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ICICI Bank Home Loan Interest Rate November 2026

ICICI Bank advertises home loan rates starting from 8.5% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹43,391 a month.

Starting rate8.5%per annum
EMI per month₹43,391₹50 lakh, 20 years
Total interest₹54,13,879over the full term
Max tenure30 yrsas stated by the bank

Source: ICICI Bank official page, checked on November 2026 (2026-11-01).

Starting interest rate8.5% per annum
Processing feeUp to 2% of the loan amount, plus applicable taxes
PrepaymentNo prepayment charges on floating-rate home loans
Maximum tenure30 years

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.

Prepayment options (optional): pay extra to finish sooner

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EMI for popular amounts

₹20 lakh for 15 years₹20 lakh for 20 years₹20 lakh for 25 years₹30 lakh for 15 years₹30 lakh for 20 years₹30 lakh for 25 years₹50 lakh for 15 years₹50 lakh for 20 years₹50 lakh for 25 years₹75 lakh for 15 years₹75 lakh for 20 years₹75 lakh for 25 years₹1 crore for 15 years₹1 crore for 20 years₹1 crore for 25 years

Compare ICICI Bank with other banks

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Home loan calculators

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Frequently asked questions

What is the ICICI Bank home loan interest rate?

ICICI Bank's website advertises home loan rates starting from 8.5% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹50 lakh home loan from ICICI Bank?

At the starting rate of 8.5% over 20 years the EMI is about ₹43,391 a month, with total interest of about ₹54,13,879. A higher personal rate would raise this.

What is the processing fee for a ICICI Bank home loan?

ICICI Bank states: Up to 2% of the loan amount, plus applicable taxes.

Does ICICI Bank charge prepayment charges on a home loan?

No prepayment charges on floating-rate home loans. Terms can differ between floating and fixed rates, so confirm with the bank.

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