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Offer Zone Rates & Charges
Rates & Charges
 
FD, RD & iWish
General
(390 days - 2 yrs)		 6.75% Apply Now
Senior Citizens
(390 days - 2 yrs)		 7.25% Apply Now
 
Loans
Home Loan
(Upto 30 lacs)		 8.35*% Apply Now
Personal Loan
(Upto 20 lacs)		 11.29*% Apply Now

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Personal ›Loans ›Home Loan ›Home Loan Interest Rates
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*T&C apply. The values shown are for representation purposes only. Actual values may differ.

Home Loan Interest Rate*

 

Current Home loan Interest Rates Based on Borrowers Category

 

A. Special pricing for loans up to ₹ 30 lacs

Floating Interest Rate

 

CategoryI-MCLR-6M (8.15%)I-MCLR-1Y (8.20%)
Salaried Borrower Loan Amount <=  ₹ 30 lacs
Women Borrower I-MCLR-6M + 0.20% (8.35%) I-MCLR-1Y + 0.15% (8.35%)
Others I-MCLR-6M + 0.25% (8.40%) I-MCLR-1Y + 0.20% (8.40%)
Self Employed Borrower Loan Amount <=  ₹ 30 lacs
Women Borrower I-MCLR-6M + 0.35% (8.50%) I-MCLR-1Y + 0.30%(8.50%)
Others I-MCLR-6M + 0.40% (8.55%) I-MCLR-1Y+ 0.35% (8.55%)

 

Fixed rate for 24/36 months

 

CategoryI-MCLR-1Y (8.20%)
Fixed rate for 24/36 monthsFloating rate pricing from third & fourth year onwards
Salaried Borrower Loan Amount <= ₹ 30 lacs
Women Borrower 8.35% I-MCLR-1Y + 0.15%
Others 8.40% I-MCLR-1Y + 0.20%
Self Employed Borrower Loan Amount <= ₹ 30 lacs
Women Borrower 8.50% I-MCLR-1Y + 0.30%
Others 8.55% I-MCLR-1Y + 0.35%

 

B. Below mentioned floating rates are linked to I-MCLR-1Y (One year MCLR) benchmark rate. I-MCLR-1Y is 8.20%.

 

Women Borrower**

Floating Interest Rate
CategoryEffective Rate of InterestRate
₹ 30 lacs to ₹ 75 lacs 8.65% I-MCLR-1Y+0.45%
₹ 75 lacs to ₹ 5 crore 8.70% I-MCLR-1Y+0.50%
Above ₹ 5 crore 8.80% I-MCLR-1Y +0.60%
Fixed Interest Rate for 5 Years, 10 Years
CategoryEffective Rate of InterestRate
Up to ₹ 30 lacs 8.70% I-MCLR-1Y + 0.50%
₹ 30 lacs to ₹ 5 crore 8.80% I-MCLR-1Y + 0.60%
Above ₹ 5 crore 8.90% I-MCLR-1Y+0.70%
Full Tenor Fixed Interest Rate
CategoryEffective Rate of Interest
Up to ₹ 30 lacs 9.70%
₹ 30 lacs to ₹ 5 crore 9.80%
Above ₹ 5 crore 10.05%

Salaried Borrower

Floating Interest Rate
CategoryEffective Rate of InterestRate
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.50%
₹ 75 lacs to ₹ 5 crore 8.75% I-MCLR-1Y + 0.55%
Above ₹ 5 crore 8.85% I-MCLR-1Y + 0.65%
Fixed Interest Rate for 2 Years, 3 Years
CategoryFixed rate for 24/36 monthsFloating rate pricing from 25th/37th month
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.50%
₹ 75 lacs to ₹ 5 crore 8.75% I-MCLR-1Y + 0.55%
Above ₹ 5 crore 8.85% I-MCLR-1Y + 0.65%
Fixed Interest Rate for 5 Years, 10 Years
CategoryFixed rate for 60/120 monthsFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 8.75% I-MCLR-1Y + 0.55%
Above ₹ 30 lacs 8.85% to 8.95% I-MCLR-1Y + (0.65% to 0.75%)
Full Tenor Fixed Interest Rate
CategoryEffective Rate of Interest
Up to ₹ 30 lacs 9.75%
Above ₹ 30 lacs 9.85% to 10.10%

Self Employed Borrower

Floating Interest Rate
CategoryEffective Rate of InterestRate
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.50%
Above ₹ 75 lacs 8.75% to 8.85% I-MCLR-1Y + (0.55% to 0.65%)
Fixed Interest Rate for 2 Years, 3 Years
CategoryFixed rate for 24/36 monthsFloating rate pricing from 25th/37th month
₹ 30 lacs to ₹ 75 lacs 8.70% I-MCLR-1Y + 0.50%
Above ₹ 75 lacs 8.75% to 8.85% I-MCLR-1Y + (0.55% to 0.65%)
Fixed Interest Rate for 5 Years, 10 Years
CategoryFixed rate for 60/120 monthsFloating rate pricing from 61st/121st month
Up to ₹ 30 lacs 8.75% I-MCLR-1Y + 0.55%
Above ₹ 30 lacs 8.85% to 8.95% I-MCLR-1Y + (0.65% to 0.75%)
Full Tenor Fixed Interest Rate
CategoryEffective Rate of Interest
Up to ₹ 30 lacs 9.75%
Above ₹ 30 lacs 9.85% to 10.10%

 

Disclaimer:
Processing fee applicable is 0.5% of loan amount plus applicable service tax.
*Valid till July 31, 2017.
**Woman borrower should be the main applicant to the loan and she should be either owner or co-owner in the property being financed.

 

Non - Home Loan Interest Rate

Indicative lending rate for Non – Home Loan 11.35% onwards.

 

Non-Home Loan includes Top-up Loan, Loan Against Property – residential and commercial, Office Premises Loan etc.

Home Loan Repayment Options

ICICI Bank offers convenient repayment options to its customers. Please click here to know more about repayment options available for ICICI Bank Home Loans.