Home › Home Loan › ICICI Bank › ₹75 lakh for 25 years
ICICI Bank ₹75 lakh Home Loan EMI for 25 Years
At the advertised starting rate of 8.5%, the EMI is about ₹60,392 a month, with total interest of about ₹1,06,17,609.
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) | ₹60,392 | ₹1,06,17,609 | ₹1,81,17,609 |
| 9% | ₹62,940 | ₹1,13,81,918 | ₹1,88,81,918 |
| 9.5% | ₹65,527 | ₹1,21,58,175 | ₹1,96,58,175 |
| 10% | ₹68,153 | ₹1,29,45,767 | ₹2,04,45,767 |
| 10.5% | ₹70,814 | ₹1,37,44,088 | ₹2,12,44,088 |
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 | ₹90,683 | ₹6,34,021 | ₹7,24,704 | ₹74,09,317 |
| Year 2 | ₹98,699 | ₹6,26,006 | ₹7,24,704 | ₹73,10,618 |
| Year 3 | ₹1,07,423 | ₹6,17,282 | ₹7,24,704 | ₹72,03,195 |
| Year 4 | ₹1,16,918 | ₹6,07,786 | ₹7,24,704 | ₹70,86,277 |
| Year 5 | ₹1,27,253 | ₹5,97,452 | ₹7,24,704 | ₹69,59,024 |
| Year 6 | ₹1,38,501 | ₹5,86,204 | ₹7,24,704 | ₹68,20,524 |
| Year 7 | ₹1,50,743 | ₹5,73,962 | ₹7,24,704 | ₹66,69,781 |
| Year 8 | ₹1,64,067 | ₹5,60,637 | ₹7,24,704 | ₹65,05,714 |
| Year 9 | ₹1,78,569 | ₹5,46,135 | ₹7,24,704 | ₹63,27,145 |
| Year 10 | ₹1,94,353 | ₹5,30,351 | ₹7,24,704 | ₹61,32,792 |
| Year 11 | ₹2,11,532 | ₹5,13,172 | ₹7,24,704 | ₹59,21,260 |
| Year 12 | ₹2,30,229 | ₹4,94,475 | ₹7,24,704 | ₹56,91,031 |
| Year 13 | ₹2,50,580 | ₹4,74,125 | ₹7,24,704 | ₹54,40,451 |
| Year 14 | ₹2,72,729 | ₹4,51,976 | ₹7,24,704 | ₹51,67,723 |
| Year 15 | ₹2,96,835 | ₹4,27,869 | ₹7,24,704 | ₹48,70,887 |
| Year 16 | ₹3,23,073 | ₹4,01,631 | ₹7,24,704 | ₹45,47,814 |
| Year 17 | ₹3,51,630 | ₹3,73,075 | ₹7,24,704 | ₹41,96,185 |
| Year 18 | ₹3,82,710 | ₹3,41,994 | ₹7,24,704 | ₹38,13,474 |
| Year 19 | ₹4,16,539 | ₹3,08,166 | ₹7,24,704 | ₹33,96,936 |
| Year 20 | ₹4,53,357 | ₹2,71,348 | ₹7,24,704 | ₹29,43,579 |
| Year 21 | ₹4,93,429 | ₹2,31,275 | ₹7,24,704 | ₹24,50,150 |
| Year 22 | ₹5,37,044 | ₹1,87,660 | ₹7,24,704 | ₹19,13,106 |
| Year 23 | ₹5,84,514 | ₹1,40,190 | ₹7,24,704 | ₹13,28,592 |
| Year 24 | ₹6,36,180 | ₹88,525 | ₹7,24,704 | ₹6,92,412 |
| Year 25 | ₹6,92,412 | ₹32,292 | ₹7,24,704 | ₹0 |
Frequently asked questions
What is the EMI for a ₹75 lakh ICICI Bank home loan for 25 years?
At ICICI Bank's starting rate of 8.5% the EMI is about ₹60,392 a month. If your offered rate is 9.5% it would be about ₹65,527.
How much total interest will I pay?
At 8.5% the total interest over 25 years is about ₹1,06,17,609, so you repay about ₹1,81,17,609 in all.