A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 2 ICICI Home Loan Interest Rate
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.90% - 9.10% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    Perks
    Fees & Charges
    Good to Know
    8.85% - 9.05% Floating
    0.25% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    ICICI Home Loan Interest Rate is Rated as "Great!" by 1631 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Home Loan BYTES FROM OUR KITCHEN

    ICICI Home Loan Interest Rate

    ICICI Bank is one of the leading banks in India that offers great financial products and services. The home loans offered by this come with great innovation and customisation.

    Below Mentioned are ICICI Bank Home Loan Interest Rates offered By BankBazaar

    Rates and Charges Specification
    Loan Tenure 3 year to 30 years
    Interest Rate 8.90% - 9.10% p.a.
    Processing Fees 0.25% of the loan amount (Maximum Rs. 11,800)
    Pre-closure Charges Nil
    Partial pre-payment Charges Nil
    Guarantor Requirement No Guarantor Required

    For all the other borrowers, the rate of interest ranges between 8.70% and 8.95%. Processing fee associated with the ICICI home loan is 0.5% of the total amount. It is subject to a maximum amount of Rs.11,800. The tenure of the loan stands between 3 years and 30 years. There are no partial pre-payment charges or pre-closure charges associated with the home loan. No guarantor is needed while applying for this loan.

    Apply for Home Loan Online

    Types of Home Loans offered By ICICI Bank:

    • ICICI Bank Extraa Home Loans
    • ICICI Bank Pragati Home Loans
    • Pradhan Mantri Awas Yojana
    • Balance Transfer
    • Personal loan linked to home loan
    • Balance Transfer and Top Up
    • ICICI Bank Saral Rural Housing Loan
    • Home Improvement Loan
    • Loan Against Property
    • Lease Rental Discounting
    • Office Premises Loan
    • Land Loan
    • Home Loans for NRIs
    • Value Added Offerings

    ICICI Bank Home Loan Interest Rates:

    Special pricing for loans up to Rs.30 lakh:

    ICICI home loan interest rate for salaried borrower (Floating Interest Rate)

    Category I-MCLR-6M (8.65%) I-MCLR-1Y (8.70%)
    Women Borrower I-MCLR-6M + 0.35% (9.00%) I-MCLR-1Y + 0.30% (9.00%)
    Others I-MCLR-6M + 0.40% (9.05%) I-MCLR-1Y + 0.35% (9.05%)

    ICICI home loan interest rate for self employed borrower (Floating Interest Rate)

    Category I-MCLR-6M (8.65%) I-MCLR-1Y (8.70%)
    Women Borrower I-MCLR-6M + 0.40% (9.05%) I-MCLR-1Y + 0.35%(9.05%)
    Others I-MCLR-6M + 0.45% (9.10%) I-MCLR-1Y+ 0.40% (9.10%)

    The floating rates mentioned below are linked to I-MCLR-1 year benchmark rate (I-MCLR-1 year is equal to 8.70%):

    Self Employed Borrower

    ICICI home loan interest rate for self employed borrower (Floating Interest Rate)

    Loan amount Effective Rate of Interest Rate
    ₹ 30 lacs to ₹ 75 lacs 9.20% I-MCLR-1Y + 0.50%
    Above ₹ 75 lacs 9.25% I-MCLR-1Y + 0.55%

    ICICI home loan interest rate for self employed borrower (Fixed Interest Rate for 2 Years, 3 Years)

    Loan amount Fixed rate for 24/36 months Floating rate pricing from 25th/37th month
    Upto ₹ 30 lacs 9.35% I-MCLR-1Y + 0.65%
    ₹ 30 lacs to ₹ 75 lacs 9.45% I-MCLR-1Y + 0.75%
    Above ₹ 75 lacs 9.50% I-MCLR-1Y + 0.80%

    ICICI home loan interest rate for self employed borrower (Fixed Interest Rate for 5 Years, 10 Years)

    Loan amount Fixed rate for 60/120 months Floating rate pricing from 61st/121st month
    Up to ₹ 30 lacs 9.50% I-MCLR-1Y + 0.80%
    Above ₹ 30 lacs 9.60% to 9.65% I-MCLR-1Y + (0.90% to 0.95%)

    ICICI home loan interest rate for self employed borrower (Full Tenor Fixed Interest Rate )

    Loan amount Effective Rate of Interest
    Up to ₹ 30 lacs 9.95%
    Above ₹ 30 lacs 10.05% to 10.30%

    Salaried Borrower

    ICICI home loan interest rate for salaried borrower (Floating Interest Rate)

    Loan amount Effective Rate of Interest Rate
    ₹ 30 lacs to ₹ 75 lacs 9.15% I-MCLR-1Y + 0.45%
    Above ₹ 75 lacs 9.20% I-MCLR-1Y + 0.50%

    ICICI home loan interest rate for salaried borrower (Fixed Interest Rate for 2 Years, 3 Years)

    Loan amount Fixed rate for 24/36 months Floating rate pricing from 25th/37th month
    Upto ₹ 30 lacs 9.30% I-MCLR-1Y + 0.60%
    ₹ 30 lacs to ₹ 75 lacs 9.40% I-MCLR-1Y + 0.70%
    Above ₹ 75 lacs 9.45% I-MCLR-1Y + 0.75%

    ICICI home loan interest rate for salaried borrower (Fixed Interest Rate for 5 Years, 10 Years)

    Loan amount Fixed rate for 60/120 months Floating rate pricing from 61st/121st month
    Up to ₹ 30 lacs 9.45% I-MCLR-1Y + 0.75%
    Above ₹ 30 lacs 9.55% to 9.60% I-MCLR-1Y + (0.85% to 0.90%)

    ICICI home loan interest rate for salaried borrower (Full Tenor Fixed Interest Rate )

    Loan amount Effective Rate of Interest
    Up to ₹ 30 lacs 9.95%
    Above ₹ 30 lacs 10.05% to 10.30%

    Women Borrower:self employed

    ICICI home loan interest rate for women borrower- self employed

    Floating Interest Rate:

    Loan amount Effective Rate of Interest Rate
    ₹ 30 lacs to ₹ 75 lacs 9.15% I-MCLR-1Y + 0.45%
    Above ₹ 75 lacs 9.20% I-MCLR-1Y + 0.50%

    Fixed Interest Rate for 2 Years, 3 Years

    Loan amount Fixed rate for 24/36 months Floating rate pricing from 25th/37th month
    Up to ₹ 30 lacs 9.30% I-MCLR-1Y + 0.60%
    ₹ 30 lacs to ₹ 75 lacs 9.40% I-MCLR-1Y + 0.70%
    Above ₹ 75 lacs 9.45% I-MCLR-1Y + 0.75%

    Fixed Interest Rate for 5 Years, 10 Years

    Loan amount Effective Rate of Interest Floating rate pricing from 61st/121st month
    Up to ₹ 30 lacs 9.45% I-MCLR-1Y + 0.75%
    ₹ 30 lacs to ₹ 75 lacs 9.55% I-MCLR-1Y + 0.85%
    Above ₹ 75 lacs 9.60% I-MCLR-1Y + 0.90%

    Full Tenor Fixed Interest Rate

    Loan amount Effective Rate of Interest
    Up to ₹ 30 lacs 9.90%
    ₹ 30 lacs to ₹ 5 crore 10.00%
    Above ₹ 5 crore 10.25%

    Women Borrower:salaried

    ICICI home loan interest rate for women borrower- salaried

    Floating Interest Rate:

    Loan amount Effective Rate of Interest Rate
    ₹ 30 lacs to ₹ 75 lacs 9.10% I-MCLR-1Y + 0.45%
    Above ₹ 75 lacs 9.15% I-MCLR-1Y + 0.45%

    Fixed Interest Rate for 2 Years, 3 Years

    Loan amount Fixed rate for 24/36 months Floating rate pricing from 25th/37th month
    Up to ₹ 30 lacs 9.25% I-MCLR-1Y + 0.55%
    ₹ 30 lacs to ₹ 75 lacs 9.35% I-MCLR-1Y + 0.65%
    Above ₹ 75 lacs 9.40% I-MCLR-1Y + 0.70%

    Fixed Interest Rate for 5 Years, 10 Years

    Loan amount Effective Rate of Interest Floating rate pricing from 61st/121st month
    Up to ₹ 30 lacs 9.40% I-MCLR-1Y + 0.70%
    ₹ 30 lacs to 75 lacs 9.50% I-MCLR-1Y + 0.80%
    Above ₹ 75 lacs 9.55% I-MCLR-1Y + 0.85%

    Full Tenor Fixed Interest Rate

    Loan amount Effective Rate of Interest
    Up to ₹ 30 lacs 9.90%
    ₹ 30 lacs to ₹ 5 crore 10.00%
    Above ₹ 5 crore 10.25%

    ICICI Bank MCLR Base Rate:

    Tenure MCLR rate p.a.
    Overnight 8.45%
    One month 8.45%
    Three months 8.50%
    Six months 8.65%
    One year 8.70%

    Factors on which ICICI Home Loan Interest Rate Depends:

    • Salary : The housing loan applicant’s salary is extremely important in determining the interest rate associated with the loan. If the salary of the applicant is high, the rate of interest associated with the home loan will be low.
    • Amount: The rate also depends on the amount of loan borrowed by the customer. If someone avails a higher loan amount, he/she will have to pay a lower rate of interest.

    ICICI Home Loan Interest Rate 2017 Reviews

    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan experience was good with ICICI bank, the process was smooth and i received my loan amount on time. The rate of interest is very less when compared to other banks. Customer service was good with ICICI bank and the tenure period for this loan is 20 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 15, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      My home loan was taken with ICICI BANK , the tenure period is 15year and they charge very nominal rate of interest . The processing fee is high with this bank . They provide satisfactory loan amount and there are no hidden charges with this bank .
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 12, 2018
    • ICICI Bank Home Loan
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have took my home loan from ICICI bank ,the service was good, and they have charge nominal rate of interest and processing fee and i am very satisfied with my loan amount as i expected i got more than that and they donâ??t charge unnecessarily like there is no hidden charges and the tenure period is good and even customer support team is good they respond well.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 30, 2018
    • ICICI Bank Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with ICICI bank and my experience was good, the loan amount was for Rs 44 lacs with nominal interest rate when compared to other banks. Customer service was good and they followed up on time. The tenure period for this loan is for 21 years.
      Was this review helpful? 2
      , lucknow
      Reviewed on Oct 24, 2018
    • ICICI Bank Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with ICICI bank and my experience was good, the loan amount was for Rs 22 lacs with nominal interest rate when compared to other banks. Customer service was good and they followed up on time. The tenure period for this loan is for 30 years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 09, 2018
    • ICICI Bank Home Loan
      "Good Experience"
      0.5 4.0/5 "Great!"
      I got best interest rate from ICICI because I am an exsting customer of the bank.They gave me floating interest around 8% and I done fore closure payment, there was some charges applicable. However my entire home loan process went well with ICICI.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 29, 2018
    • ICICI Bank Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with ICICI bank and the experience was good, the loan amount was for Rs 13 lacs with less interest rate when compared to others. Customer service was good and they followed up on time. The tenure period for this loan is 20 years.
      Was this review helpful? 3
      , vadodara
      Reviewed on Sep 25, 2018
    • ICICI Bank Home Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken my home loan with ICICI bank. The loan amount was 45 lakhs and the interest rate was satisfactory . The tenure period was 23 years . The customer service and responses was good. I had very smooth process here and there is no inconvenience faced ,
      Was this review helpful? 6
      , pune
      Reviewed on Sep 22, 2018
    • ICICI Bank Home Loan
      "Not satified"
      0.5 2.5/5 "Just OK"
      I have taken with home loan with ICICI bank . The loan amount was 643 lash and the interest rate was on a higher side. The tenure period was 25 years . The process was complicated here and they did not inform about the insurance amount which they have added along with processing fee . The process fee was very high here.
      Was this review helpful? 2
      , new delhi
      Reviewed on Sep 21, 2018
    • ICICI Bank Home Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken my home loan with ICICI bank. The loan amount was 4 lakhs and the interest rate was satisfactory . The tenure period was 20 years . The customer service ad responses was very good. I have not faced any inconvenience here and the loan was approved on time.
      Was this review helpful? 2
      , new delhi
      Reviewed on Sep 21, 2018
    • ICICI Bank Home Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken my home loan with ICICI bank 12 years back. The loan amount was 30 lakhs and the interest rate was satisfactory . The tenure period was 30 year . .There is no issues with the service here and it was quite smooth also. They have sanctioned the loan with the committed time,
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 14, 2018
    • ICICI Bank Home Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have take my home loan ICICI bank . The loan amount was I25,000 and the given interest rate was 5 years . The loan process was very good and the documentation was very smooth. processing fee was nominal when compared with other banks.My overall experience was good.
      Was this review helpful? 7
      , mumbai
      Reviewed on Aug 30, 2018
    • ICICI Bank Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have my home loan approved with ICICI bank and the experience was good, the process was smooth and the loan amount was disbursed in a month. The loan amount was for Rs 18 lacs with nominal interest rate. Customer service was fine and they responded on time. The tenure period for this loan is 20 years.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 29, 2018
    • ICICI Bank Home Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      My home loan experience was not good with ICICI bank, the process took 1 month to complete. The loan amount was for Rs 13.29 lacs with rate of interest of 8.6% which is high. Customer support is not that good with this bank. For any queries, we need to raise a request ID on the web and then call to the customer service.
      Was this review helpful? 2
      , new delhi
      Reviewed on Aug 29, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have my home loan application approved with ICICI bank and the experience was good, the loan amount was for Rs 22 lacs with nominal interest rate in the market. Customer service was good and they collected documents on time. The process was smooth and the loan was disbursed on time.
      Was this review helpful? 2
      , mumbai
      Reviewed on Aug 29, 2018
    • ICICI Bank Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      The application process was smooth with ICICI bank for home loan, it took 1 month to disburse the loan amount. Documents were collected on time and the customer service was good with ICICI bank. The loan amount was for Rs 20.5 lacs with nominal interest rate when compared to other banks.
      Was this review helpful? 2
      , pune
      Reviewed on Aug 28, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a home loan with ICICI bank and my loan experience was good, the loan amount was for Rs 6 lakhs with high interest rate of 13%. Customer service was good with ICICI bank and they responded on time I pay an EMI of Rs 8300 and the tenure period for this loan is 10 years.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Aug 17, 2018
    • ICICI Bank Home Loan
      "Overall good."
      0.5 5.0/5 "Blown Away!"
      My home loan is with ICICI Bank and the process was smooth and easy. There was no much of documentation and the experience was nice. The customer support and response is good and there are no issues to get the loan. The rate of interest and processing charges are reasonable too.
      Was this review helpful? 2
      , navi mumbai
      Reviewed on Aug 16, 2018
    • ICICI Bank Home Loan
      "Easy to take the home loan"
      0.5 4.0/5 "Great!"
      Its been 3years since I have purchased this home loan. I have applied the home loan of Rs. 17.99 lakhs they have offered me a interest rate of 8.33% and their is no processing fee, I have received the loan time. I don't face any issues while purchasing a home loan services from ICICI bank.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 23, 2018
    • ICICI Bank Home Loan
      "Excellent Service"
      0.5 4.0/5 "Great!"
      It has been a very good experience with ICICI. The process of getting the loan had been smooth and easy and the loan amount had also been satisfactory. The interest rate offered by them had been good as well when compared with the market rate. There has not been any hassles with the banking services which they had provided.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 18, 2018
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