Home › Home Loan › ICICI Bank › ₹20 lakh for 20 years
ICICI Bank ₹20 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 8.5%, the EMI is about ₹17,356 a month, with total interest of about ₹21,65,552.
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) | ₹17,356 | ₹21,65,552 | ₹41,65,552 |
| 9% | ₹17,995 | ₹23,18,685 | ₹43,18,685 |
| 9.5% | ₹18,643 | ₹24,74,230 | ₹44,74,230 |
| 10% | ₹19,300 | ₹26,32,104 | ₹46,32,104 |
| 10.5% | ₹19,968 | ₹27,92,223 | ₹47,92,223 |
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 | ₹39,805 | ₹1,68,473 | ₹2,08,278 | ₹19,60,195 |
| Year 2 | ₹43,323 | ₹1,64,955 | ₹2,08,278 | ₹19,16,872 |
| Year 3 | ₹47,152 | ₹1,61,125 | ₹2,08,278 | ₹18,69,720 |
| Year 4 | ₹51,320 | ₹1,56,957 | ₹2,08,278 | ₹18,18,400 |
| Year 5 | ₹55,856 | ₹1,52,421 | ₹2,08,278 | ₹17,62,544 |
| Year 6 | ₹60,794 | ₹1,47,484 | ₹2,08,278 | ₹17,01,750 |
| Year 7 | ₹66,167 | ₹1,42,110 | ₹2,08,278 | ₹16,35,583 |
| Year 8 | ₹72,016 | ₹1,36,262 | ₹2,08,278 | ₹15,63,567 |
| Year 9 | ₹78,381 | ₹1,29,896 | ₹2,08,278 | ₹14,85,186 |
| Year 10 | ₹85,309 | ₹1,22,968 | ₹2,08,278 | ₹13,99,876 |
| Year 11 | ₹92,850 | ₹1,15,428 | ₹2,08,278 | ₹13,07,026 |
| Year 12 | ₹1,01,057 | ₹1,07,220 | ₹2,08,278 | ₹12,05,969 |
| Year 13 | ₹1,09,990 | ₹98,288 | ₹2,08,278 | ₹10,95,980 |
| Year 14 | ₹1,19,712 | ₹88,566 | ₹2,08,278 | ₹9,76,268 |
| Year 15 | ₹1,30,293 | ₹77,984 | ₹2,08,278 | ₹8,45,975 |
| Year 16 | ₹1,41,810 | ₹66,468 | ₹2,08,278 | ₹7,04,165 |
| Year 17 | ₹1,54,345 | ₹53,933 | ₹2,08,278 | ₹5,49,820 |
| Year 18 | ₹1,67,987 | ₹40,290 | ₹2,08,278 | ₹3,81,833 |
| Year 19 | ₹1,82,836 | ₹25,442 | ₹2,08,278 | ₹1,98,997 |
| Year 20 | ₹1,98,997 | ₹9,281 | ₹2,08,278 | ₹0 |
Frequently asked questions
What is the EMI for a ₹20 lakh ICICI Bank home loan for 20 years?
At ICICI Bank's starting rate of 8.5% the EMI is about ₹17,356 a month. If your offered rate is 9.5% it would be about ₹18,643.
How much total interest will I pay?
At 8.5% the total interest over 20 years is about ₹21,65,552, so you repay about ₹41,65,552 in all.