ICICI Bank Home Loan EMI Calculator
Calculate your ICICI Bank home loan EMI and total interest at current RBI-linked rates. Free, no signup.
ICICI Bank Home Loan EMI rates
| Lender | Typical rate | Max tenure |
|---|---|---|
| ICICI Bank | 8.70% p.a. (floating, EBLR) | up to 30 years |
Reference rates, ~2026. Your actual rate depends on your profile, down payment and the bank's current offers — verify before deciding.
Worked example
Example: ₹50,00,000 ICICI Bank home loan at 8.70% for 20 years.
- Monthly EMI: ₹44,026
- Total interest: ₹5,566,275
- Total payable: ₹10,566,275
Frequently Asked Questions
What is the ICICI Bank home loan interest rate?
ICICI Bank home loan rates are around 8.70% p.a. as a 2026 reference, floating and linked to the RBI repo (EBLR). Your exact rate depends on your CIBIL score, loan amount and profile.
How is ICICI Bank home loan EMI calculated?
Using the reducing-balance formula P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1). Enter your amount, rate and tenure in the calculator above for your exact EMI.
Can I prepay to save interest?
Yes. Partial prepayments early in the tenure remove years of interest. Floating-rate home loans in India have no prepayment penalty for individuals.
What tenure should I choose?
Up to 30 years is allowed; a longer tenure lowers the EMI but raises total interest. Keep it as short as your budget allows.