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ICICI Bank ₹1 crore Home Loan EMI for 15 Years
At the advertised starting rate of 8.5%, the EMI is about ₹98,474 a month, with total interest of about ₹77,25,312.
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.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 8.5% (starting) | ₹98,474 | ₹77,25,312 | ₹1,77,25,312 |
| 9% | ₹1,01,427 | ₹82,56,799 | ₹1,82,56,799 |
| 9.5% | ₹1,04,422 | ₹87,96,044 | ₹1,87,96,044 |
| 10% | ₹1,07,461 | ₹93,42,892 | ₹1,93,42,892 |
| 10.5% | ₹1,10,540 | ₹98,97,181 | ₹1,98,97,181 |
Year-by-year repayment schedule at 8.5%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹3,44,919 | ₹8,36,768 | ₹11,81,687 | ₹96,55,081 |
| Year 2 | ₹3,75,407 | ₹8,06,280 | ₹11,81,687 | ₹92,79,673 |
| Year 3 | ₹4,08,590 | ₹7,73,098 | ₹11,81,687 | ₹88,71,083 |
| Year 4 | ₹4,44,705 | ₹7,36,982 | ₹11,81,687 | ₹84,26,378 |
| Year 5 | ₹4,84,013 | ₹6,97,674 | ₹11,81,687 | ₹79,42,365 |
| Year 6 | ₹5,26,796 | ₹6,54,892 | ₹11,81,687 | ₹74,15,569 |
| Year 7 | ₹5,73,360 | ₹6,08,328 | ₹11,81,687 | ₹68,42,209 |
| Year 8 | ₹6,24,039 | ₹5,57,648 | ₹11,81,687 | ₹62,18,170 |
| Year 9 | ₹6,79,199 | ₹5,02,489 | ₹11,81,687 | ₹55,38,971 |
| Year 10 | ₹7,39,234 | ₹4,42,454 | ₹11,81,687 | ₹47,99,737 |
| Year 11 | ₹8,04,575 | ₹3,77,112 | ₹11,81,687 | ₹39,95,162 |
| Year 12 | ₹8,75,693 | ₹3,05,995 | ₹11,81,687 | ₹31,19,469 |
| Year 13 | ₹9,53,096 | ₹2,28,592 | ₹11,81,687 | ₹21,66,373 |
| Year 14 | ₹10,37,341 | ₹1,44,347 | ₹11,81,687 | ₹11,29,032 |
| Year 15 | ₹11,29,032 | ₹52,655 | ₹11,81,687 | ₹0 |
Frequently asked questions
What is the EMI for a ₹1 crore ICICI Bank home loan for 15 years?
At ICICI Bank's starting rate of 8.5% the EMI is about ₹98,474 a month. If your offered rate is 9.5% it would be about ₹1,04,422.
How much total interest will I pay?
At 8.5% the total interest over 15 years is about ₹77,25,312, so you repay about ₹1,77,25,312 in all.