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ICICI Bank ₹30 lakh Home Loan EMI for 20 Years
At the advertised starting rate of 8.5%, the EMI is about ₹26,035 a month, with total interest of about ₹32,48,327.
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) | ₹26,035 | ₹32,48,327 | ₹62,48,327 |
| 9% | ₹26,992 | ₹34,78,027 | ₹64,78,027 |
| 9.5% | ₹27,964 | ₹37,11,345 | ₹67,11,345 |
| 10% | ₹28,951 | ₹39,48,156 | ₹69,48,156 |
| 10.5% | ₹29,951 | ₹41,88,335 | ₹71,88,335 |
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 | ₹59,707 | ₹2,52,709 | ₹3,12,416 | ₹29,40,293 |
| Year 2 | ₹64,984 | ₹2,47,432 | ₹3,12,416 | ₹28,75,309 |
| Year 3 | ₹70,728 | ₹2,41,688 | ₹3,12,416 | ₹28,04,580 |
| Year 4 | ₹76,980 | ₹2,35,436 | ₹3,12,416 | ₹27,27,600 |
| Year 5 | ₹83,785 | ₹2,28,632 | ₹3,12,416 | ₹26,43,815 |
| Year 6 | ₹91,190 | ₹2,21,226 | ₹3,12,416 | ₹25,52,625 |
| Year 7 | ₹99,251 | ₹2,13,166 | ₹3,12,416 | ₹24,53,374 |
| Year 8 | ₹1,08,024 | ₹2,04,393 | ₹3,12,416 | ₹23,45,351 |
| Year 9 | ₹1,17,572 | ₹1,94,844 | ₹3,12,416 | ₹22,27,779 |
| Year 10 | ₹1,27,964 | ₹1,84,452 | ₹3,12,416 | ₹20,99,815 |
| Year 11 | ₹1,39,275 | ₹1,73,141 | ₹3,12,416 | ₹19,60,540 |
| Year 12 | ₹1,51,586 | ₹1,60,831 | ₹3,12,416 | ₹18,08,954 |
| Year 13 | ₹1,64,985 | ₹1,47,432 | ₹3,12,416 | ₹16,43,969 |
| Year 14 | ₹1,79,568 | ₹1,32,849 | ₹3,12,416 | ₹14,64,402 |
| Year 15 | ₹1,95,440 | ₹1,16,977 | ₹3,12,416 | ₹12,68,962 |
| Year 16 | ₹2,12,715 | ₹99,701 | ₹3,12,416 | ₹10,56,247 |
| Year 17 | ₹2,31,517 | ₹80,899 | ₹3,12,416 | ₹8,24,730 |
| Year 18 | ₹2,51,981 | ₹60,435 | ₹3,12,416 | ₹5,72,749 |
| Year 19 | ₹2,74,254 | ₹38,163 | ₹3,12,416 | ₹2,98,495 |
| Year 20 | ₹2,98,495 | ₹13,921 | ₹3,12,416 | ₹0 |
Frequently asked questions
What is the EMI for a ₹30 lakh ICICI Bank home loan for 20 years?
At ICICI Bank's starting rate of 8.5% the EMI is about ₹26,035 a month. If your offered rate is 9.5% it would be about ₹27,964.
How much total interest will I pay?
At 8.5% the total interest over 20 years is about ₹32,48,327, so you repay about ₹62,48,327 in all.