ICICI Bank home loan EMI calculator
This calculator starts at ICICI Bank's lowest published rate of 8.5%, so the first EMI you see is the best case. Its published range runs from 8.5% to 9.65%. The processing fee is 0.50% of loan + taxes, and the longest tenure is 30 years. Your own rate depends on your credit score, income, loan amount and property type. It can be higher than the starting rate. A longer tenure lowers the EMI but raises the total interest, so try a few combinations below. The table shows the monthly EMI at 8.5% for common loan amounts and tenures. We collected these figures from public sources on 2026-10-26. Banks change rates often, so confirm with ICICI Bank before you apply. If you already pay a floating rate with ICICI Bank or another lender, our guide on lowering your rate lists your options.
Indicative, updated 2026-10-26. Source
₹50 L
- Principal amount
- Total interest
- Monthly EMI
- ₹43,391
- Principal amount
- ₹50,00,000
- Total interest
- ₹54,13,879
- Total amount
- ₹1,04,13,879
You'll pay ₹54.14 L interest on a ₹50 L loan.
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Worth knowing
Interest vs loan
You repay 1.08× your loan in interest alone.
When it tips
From year 13, more of each EMI repays the loan than pays interest.
One extra EMI a year
Pay one extra EMI each year to save ₹10.29 L and finish 3 yr 3 mo sooner.
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹25 L | ₹30,996 | ₹24,618 | ₹21,696 | ₹20,131 | ₹19,223 |
| ₹50 L | ₹61,993 | ₹49,237 | ₹43,391 | ₹40,261 | ₹38,446 |
| ₹75 L | ₹92,989 | ₹73,855 | ₹65,087 | ₹60,392 | ₹57,669 |
| ₹1 Cr | ₹1,23,986 | ₹98,474 | ₹86,782 | ₹80,523 | ₹76,891 |
Common questions
- What is the ICICI Bank home loan interest rate?
- ICICI Bank home loan rates start at 8.5%. Its published range runs from 8.5% to 9.65%. Your rate depends on your credit score, loan size and income.
- What is the ICICI Bank processing fee?
- The published fee is 0.50% of loan + taxes. Fees and taxes change, so ask ICICI Bank for the current figure before you apply.
- What is the longest home loan tenure at ICICI Bank?
- Up to 30 years, subject to your age and the bank's policy. A longer tenure gives a lower EMI but more total interest.
- Will I get the starting rate?
- Not always. The starting rate usually goes to borrowers with a strong credit score and stable income. Use the calculator to test a higher rate and see how the EMI changes.