ICICI Bank Home Loan EMI Calculator
Calculate your ICICI Bank home loan EMI, explore the Home Saver OD facility, and check CIBIL-tier rates — pre-filled at ICICI's 2026 starting rate of 8.75%.
Starting Rate
8.75%
p.a. floating (EBLR)
Max Tenure
30 years
salaried borrowers
Processing Fee
0.50%–2%
min ₹1,500
Home Saver
OD Facility
Against principal
Home Loan Details
Loan Amount
Interest Rate
Tenure
Monthly EMI
₹44,186
for 240 months · 20 years tenure
Principal
₹50.00 L
47.1%
Total Interest
₹56.05 L
52.9%
Total Payment
₹1.06 Cr
Principal + interest
Interest — Year 1
₹4.34 L
First 12 months
Principal vs Interest
Distribution of your total payment
Principal Interest
Yearly Breakdown
Principal and interest paid each year (first 15)
Amortization Schedule
Total Principal
₹50,00,000
Total Interest
₹56,04,527
Total Paid
₹1,06,04,530
| Month | EMI | Principal | Interest |
|---|---|---|---|
| 1 | ₹44,186 | ₹7,727 | ₹36,458 |
| 2 | ₹44,186 | ₹7,784 | ₹36,402 |
| 3 | ₹44,186 | ₹7,840 | ₹36,345 |
| 4 | ₹44,186 | ₹7,897 | ₹36,288 |
| 5 | ₹44,186 | ₹7,955 | ₹36,230 |
| 6 | ₹44,186 | ₹8,013 | ₹36,172 |
| 7 | ₹44,186 | ₹8,071 | ₹36,114 |
| 8 | ₹44,186 | ₹8,130 | ₹36,055 |
| 9 | ₹44,186 | ₹8,190 | ₹35,996 |
| 10 | ₹44,186 | ₹8,249 | ₹35,936 |
| 11 | ₹44,186 | ₹8,310 | ₹35,876 |
| 12 | ₹44,186 | ₹8,370 | ₹35,815 |
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
ICICI Bank Home Loan Interest Rates by CIBIL Score (2026)
Rates are indicative as of July 2026 (floating EBLR-linked). Actual rate offered depends on income, employer category, loan amount, and LTV. Verify with ICICI Bank before applying.
| CIBIL Score | Interest Rate | Typical Borrower Profile |
|---|---|---|
| 800+ | 8.75% | Prime salaried, top-tier employer |
| 750–799 | 9.00% | Salaried, good credit history |
| 700–749 | 9.25% | Average credit profile |
| Below 700 | 9.50%+ | Higher risk, additional scrutiny |
Why Choose ICICI Bank for Home Loan?
- Express Home Loan: in-principle approval within hours for pre-approved salaried customers
- Home Saver: park surplus cash in an overdraft account linked to the principal, reducing effective interest cost daily
- End-to-end digital application via iMobile Pay for salaried borrowers
- Joint applications with spouse or parent can boost loan eligibility significantly
- No part-prepayment or foreclosure charges on floating-rate home loans (RBI compliant)
Frequently Asked Questions
ICICI Bank home loan rates start at 8.75% p.a. (floating, EBLR-linked) for CIBIL 800+ salaried borrowers. Rates can go up to 9.80% depending on credit profile, loan amount, and employment category. The rate is reset every 3 months after any RBI repo rate change. Use the ICICI Bank website or iMobile Pay app to get a personalised rate quote.