Home Loan Interest Rate*

 

Women Borrower**

Floating Interest Rate
CategoryEffective Rate of InterestRate
Up to ₹ 75 lacs 9.10% I-MCLR-1Y+0.20%
₹ 75 lacs to ₹ 5 crore 9.25% I-MCLR-1Y+0.35%
Above ₹ 5 crore 9.40% I-MCLR-1Y +0.50%
Fixed Interest Rate for 5 Years, 10 Years
Category Effective Rate of Interest Rate
Up to ₹ 30 lacs 9.20% I-MCLR-1Y + 0.25%
₹ 30 lacs to ₹ 5 crore 9.30% I-MCLR-1Y + 0.35%
Above ₹ 5 crore 9.55% I-MCLR-1Y+0.60%
Full Tenor Fixed Interest Rate
Category Effective Rate of Interest
Up to ₹ 30 lacs 9.70%
₹ 30 lacs to ₹ 5 crore 9.80%
Above ₹ 5 crore 10.05%

Weaker Section Borrower#

Floating Interest Rate
CategoryEffective Rate of InterestRate
Up to ₹ 28 lacs 9.10% I-MCLR-1Y +0.20%

Salaried Borrower

Floating Interest Rate
CategoryEffective Rate of InterestRate
Up to ₹ 75 lacs 9.15% I-MCLR-1Y + 0.25%
₹ 75 lacs to ₹ 5 crore 9.30% I-MCLR-1Y + 0.40%
Above ₹ 5 crore 9.45% I-MCLR-1Y + 0.55%
Fixed Interest Rate for 2 Years, 3 Years
Category Fixed rate for 24/36 months Floating rate pricing from 25th/37th month
Up to ₹ 75 lacs 9.20% I-MCLR-1Y + 0.25%
₹ 75 lacs to ₹ 5 crore 9.35% I-MCLR-1Y + 0.40%
Above ₹ 5 crore 9.50% I-MCLR-1Y + 0.55%
Fixed Interest Rate for 5 Years, 10 Years
Category Fixed rate for 60/120 months Floating rate pricing from 61st/121st month
Up to ₹ 30 lacs 9.25% I-MCLR-1Y + 0.30%
Above ₹ 30 lacs 9.35% to 9.60% I-MCLR-1Y + (0.40% to 0.65%)
Full Tenor Fixed Interest Rate
Category Effective 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
Up to ₹ 75 lacs 9.15% I-MCLR-1Y + 0.25%
Above ₹ 75 lacs 9.30% to 9.45% I-MCLR-1Y + (0.40% to 0.55%)
Fixed Interest Rate for 2 Years, 3 Years
Category Fixed rate for 24/36 months Floating rate pricing from 25th/37th month
Up to ₹ 75 lacs 9.20% I-MCLR-1Y + 0.25%
Above ₹ 75 lacs 9.35% to 9.50% I-MCLR-1Y + (0.40% to 0.55%)
Fixed Interest Rate for 5 Years, 10 Years
Category Fixed rate for 60/120 months Floating rate pricing from 61st/121st month
Up to ₹ 30 lacs 9.25% I-MCLR-1Y + 0.30%
Above ₹ 30 lacs 9.35% to 9.60% I-MCLR-1Y + (0.40% to 0.65%)
Full Tenor Fixed Interest Rate
Category Effective Rate of Interest
Up to ₹ 30 lacs 9.75%
Above ₹ 30 lacs 9.85% to 10.10%

 

Disclaimer:
All ICICI Bank floating rate home loan is benchmarked to I-MCLR-1Y. Effective December 01, 2016 I-MCLR-1Y is 8.90%
Processing fee applicable is 0.5% of loan amount plus applicable service tax.
*Valid till December 31, 2016.
**Woman borrower should be the main applicant to the loan and she should be either owner or co-owner in the property being financed.

#Weaker section as defined by RBI under Priority sector loans classification including SC and ST

 

Non - Home Loan Interest Rate

Indicative lending rate for Non – Home Loan 11.80% 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.