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HDFC Bank vs ICICI Bank Home Loan
HDFC Bank and ICICI Bank advertise the same starting rate.
| HDFC Bank | ICICI Bank | |
|---|---|---|
| Starting interest rate | 8.5% | 8.5% |
| EMI for ₹50 lakh, 20 years | ₹43,391 | ₹43,391 |
| Total interest | ₹54,13,879 | ₹54,13,879 |
| Processing fee | Not stated | Up to 2% of the loan amount, plus applicable taxes |
| Prepayment | Not stated | No prepayment charges on floating-rate home loans |
| Maximum tenure | 30 years | 30 years |
Source: HDFC Bank official page, checked on November 2026 (2026-11-01).
Source: ICICI Bank official page, checked on November 2026 (2026-11-01).
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Frequently asked questions
Which is cheaper, HDFC Bank or ICICI Bank home loan?
HDFC Bank and ICICI Bank advertise the same starting rate. Your actual rate may differ from the starting rate.