| Particulars | Details |
| Interest Rate | 7.45% p.a. onwards |
| Loan Amount | Up to Rs 5 crore |
| Tenure | Up to 30 years |
| Processing Fees | Up to 2% of the loan amount |
Rates as of 14th April 2026
ICICI Bank Home Loan
ICICI Bank offers home loans interest rates start from @ 7.45% p.a. for loan amount of up to Rs 5 crore and tenures up to 30 years. The bank also offers pre-approved instant home loan sanction to its select/prime customers and home loan balance transfer facility to existing home loan borrowers of other lenders at lower interests.
Competitive Interest Rates
Starting 7.10% p.a.
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Additional Funds when Required
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4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Competitive Interest Rates
Starting 7.10% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
Calculate your Home Loan EMI Online
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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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How Can I Apply for a Home Loan Online?
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Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
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ICICI Bank Home Loan Highlights
ICICI Bank Home Loan Interest Rates
ICICI Bank offers home loans @ 7.45% p.a. onwards depending on the credit profile of the applicants. The lender offers special home loan rates to applicants having credit scores of 750 and above, which are lower than the standard home loan rates offered by the bank. The standard rates are offered to applicants having credit scores below 750, based on their loan amount and occupation profile. Stated below are the special and standard home loan interest rates offered by the ICICI Bank:-
ICICI Special Home Loan Rates
| CIBIL Score | Salaried (p.a.) | Self-employed (p.a.) |
|---|---|---|
| 800 and above | 8.50% | 8.50% |
| 750-800 | 8.50% | 8.60% |
ICICI Bank Home Loan Standard Interest Rates
| Slab | Interest Rates (p.a.) | |
| For Salaried | For Self-employed | |
| Up to Rs 35 lakh | 8.50%-9.40% | 8.50%-9.55% |
| Rs 35 lakh to Rs 75 lakh | 8.50%-9.55% | 8.50%-9.70% |
| Above Rs 75 lakh | 8.50%-9.65% | 8.50%-9.80% |
ICICI Bank Home Loan Fixed Interest Rates
| Fixed Tenure | Interest Rates (p.a.) |
|---|---|
| 24 months | 9.10% - 9.15% |
| 37 months & 60 months | 8.90%-9.15% |
| 120 months | 10.50%-10.60% |
| Full Term Fixed | 10.90%-11.20% |
ICICI Bank Home Loan Interest Rates vs Other Lenders
| Name of Lender | Interest Rates |
|---|---|
| Axis Bank | 8.00% - 11.90% p.a. |
| Bajaj Housing Finance | 7.15% p.a. onwards |
| Bank of India | 7.10% - 10.25% p.a. |
| Canara Bank | 7.15% - 10.00% p.a. |
| Easy Home Finance | 8.99% p.a. onwards |
| Federal Bank | 7.30% - 10.75% p.a. |
| Godrej Housing Finance | 7.60% p.a. onwards |
| HDFC Bank | 7.20%* p.a. onwards |
| HDFC Sales Pvt. Ltd. | 7.20%* p.a. onwards |
| Home First Finance | 8.00% p.a. onwards |
| IDBI Bank | 7.35% p.a. onwards |
| IDFC FIRST Bank | 8.85% p.a. onwards |
| India Shelter Home Loan | 14.00% p.a. |
| Jio Housing Finance | 8.20% p.a. onwards |
| L&T Finance Limited | 7.65%* p.a. onwards |
| Piramal Capital Housing Finance | 9.99% p.a. onwards |
| PNB Housing Finance | 7.50% p.a. onwards |
| Punjab & Sind Bank | 7.30% - 10.70% p.a. |
| Punjab National Bank | 7.25% - 9.30% p.a. |
| RBL Bank | 8.20% p.a. onwards |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% p.a. onwards |
| Shubham Housing Finance | 10.45% p.a. onwards |
| State Bank of India | 7.25% - 8.95% p.a. |
| Tata Capital Housing Finance | 7.50% p.a. onwards |
*when applied through Paisabazaar
Rates as of 13th April 2026
How to Apply Online for ICICI Bank Home Loan
Applicants can apply for ICICI Bank Home Loan online through the official website of ICICI Bank. They can also download the ICICI Bank app, iMobile Pay, and apply for a home loan online. Prospective home loan borrowers can also apply online for ICICI Bank Home Loans through online financial marketplaces like Paisabazaar.com.
ICICI Home Loan Processing Fees & Other Charges
| Particulars | Applicable Fees & Charges |
|---|---|
| Loan Processing Charges/Renewal Charges | Up to 2% of the loan amount |
| Part Prepayment | NIL |
| Prepayment Charges | – NIL for ICICI Home Loans and ICICI Home Improvement Loans with a floating rate of interest– 2% on the outstanding principal on full repayment for ICICI Bank Home Loan with a fixed rate of interest
– 2% on the outstanding principal on full repayment for Top Up Loan if the applicant or co-applicant is a Non-Individual – 4% on the outstanding amount of loan where the loan is given to Non-Individual borrowers or with a fixed rate of interest to Individual borrowers. |
| Penal Charges in the event of delay or default in payment or repayment of any part of the loan amount on the due date | 5% p.a. on the overdue sum from the due date to the actual payment date |
| Conversion charges for ICICI home loans | – For all floating (adjustable) rate linked term loan to Fixed or floating (adjustable) Rs 3,000– Semi Fixed / Fixed Interest Rate to Adjustable Interest Rate 2% of the principal outstanding
– For Overdraft – 0.5% of the principal outstanding |
| Repayment mode swap Charges | Rs 500 |
| Document Retrieval Charges | Rs 500 |
| Cheque bounce charges | Rs 500 |
| Duplicate No Objection Certificate / No Due Certificate | Rs 250 |
| Revalidation of No Objection Certificate | Rs 250 |
| Administrative Charges | 0.25% of facility amount or Rs 5,000 whichever is lower |
| Penal charges for non-submission of the post disbursement documents | Rs 5,000 per month (will be levied from the day the document is due till the same is not submitted) |
| Legal, Repossession and Incidental Charges | At Actuals |
Types of ICICI Bank Home Loans
ICICI Bank Home Loan
ICICI Bank Home Loan Balance Transfer
ICICI Bank Land Loan
ICICI NRI Home Loan
ICICI Bank Home Loan Overdraft
ICICI Bank Step Up Home Loans
ICICI Pre-approved Home Loans (Instant)
ICICI Pre-Approved (Instant) Balance Transfer
ICICI Bank 24-hour Top-up Loan
ICICI Bank Home Loan Top-up
ICICI Insta Home Loan Overdraft (Pre-Approved)
ICICI Insta Home Top-up Loan (Pre-Approved)
ICICI Bank Home Construction Loan
ICICI Home Loan Eligibility Criteria
Stated below are the eligibility criteria for availing home loans from ICICI Bank:
Documents Required for ICICI Home Loan
Some of the common documents required for ICICI Home Loan are:
For Salaried Individuals:
For Self-employed Professionals/ Self-employed Non-professionals:
How to Track ICICI Bank Home Loan Status
You can track your ICICI Bank Home Loan Status through the official website of ICICI Bank. All you need to do is enter your registered mobile number and PAN to track your home loan application status. You can also track your home loan application status by visiting the bank branch
ICICI Home Loan Customer Care
Below-mentioned are the ICICI home loan customer care number and email ID:
How Can I Apply for a Home Loan Online?
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
Apply Now
FAQs
What is the current home loan rate of ICICI Bank?
ICICI Bank home loan interest rates start from 7.45% p.a. onwards to its pre-approved customers depending on their credit profile.
What is the eligibility to avail ICICI bank home loan?
The home loan eligibility of the applicants depends upon their age, monthly income, customer’s profile, credit history, retirement age, etc.
Is it mandatory to have a co-applicant while applying for ICICI Bank Home Loan?
ICICI Bank has not specified the necessity of having a co-applicant while applying for an ICICI Bank Home Loan. However, having a co-applicant combines their income and creditworthiness with the primary applicant, thereby, increasing the eligibility and loan amount for the home loan.
How to reduce ICICI Bank Home Loan interest rate?
Existing home loan borrowers of ICICI Bank can request the bank to reduce their interest rates. However, the bank would charge a conversion fee of 0.50% of the outstanding principal on switching to lower interest rates. In case, the bank does not reduce your home loan interest rates, you can transfer your home loans from ICICI Bank to other lenders offering home loans at lower interest rates.
What is the minimum salary required to get an ICICI Home Loan?
ICICI Bank has set the minimum monthly salary eligibility of Rs 25,000 for its home loan applicants.
How can I download my ICICI Bank Home Loan certificate?
You can download your ICICI Bank Home Loan certificate through the ICICI Bank Home Loan mobile app, iMobile Pay. You can also get your ICICI Bank Home Loan certificate by visiting the ICICI Bank branch.
If I opt to increase my ICICI Home Loan EMI, can I decrease it in the future?
Once you opt to increase your home loan EMI, ICICI Bank may not allow you to decrease the EMI later. Moreover, decreasing the EMI would result in loan restructuring, which is considered as a credit negative even for the borrower and may adversely impact.
Does ICICI Bank offer pre-approved home loans?
ICICI Bank offers pre-approved instant home loans to its premium/select customers maintaining their salary account with the bank. The loan amount offered is based on the salary credits appearing in the salary account.
What is the validity of the sanction letter issued at the time of sanction of the instant home loan?
The sanction letter is valid for up to 6 months during which you get your home loan disbursed.
Can I choose between a fixed and floating rate of interest?
ICICI Bank offers home loans at floating rates only.
Can I make part-prepayments on my home loan availed from ICICI Bank?
Yes, you can prepay your home loan availed from ICICI Bank. It does not levy any prepayment charges on floating rates of interest.
How can you plan your home loan EMIs without burdening your finances?
Prospective home loan applicants should use online home loan EMI calculators to plan their monthly EMIs prior to making home loan applications. This is because lenders prefer home loan applicants whose total EMIs, including existing and planned home loan EMIs, are between 50 and 60% of their monthly income.
What are the home loan conversion fees charged by ICICI Bank?
If prepayment penalties apply to your ICICI Bank home loan, you will be charged conversion fees equal to 0.5% of the remaining balance for lowering the floating interest rate, 2% of the remaining balance for changing the loan from semi-fixed to floating interest rate, 0.5% of the remaining balance for changing the loan from floating to semi-fixed interest rate, and 2% of the remaining balance for switching from fixed to floating interest rate. ICICI Bank levies conversion fees of Rs 1,000 for home loans in which prepayment penalties are not applicable in all of the aforementioned situations.
What is pre-EMI in ICICI Home Loan?
In the case of home loans partially disbursed by ICICI Bank, the borrowers are required to service only the interest component till the full disbursal of the loan amount. ICICI Bank has termed the ‘interest-only payment’ period as Pre-EMI (PEMI). The payment of the full EMI, which includes interest and principal components, starts after the final disbursal of the loan amount.
From where do I get my ICICI Bank Home Loan details?
You can get your ICICI Bank Home Loan details either through the official website of ICICI Bank or through its official mobile banking app, iMobile. You can also contact customer care or visit the ICICI Bank branch for any queries related to your ICICI Bank Home Loan.
What is the ICICI Bank Home Loan interest rate for women?
ICICI Bank has not specified any special home loan interest rates for female borrowers. The ICICI Bank home loan interest rates offered to female borrowers are the same as those offered to regular home loan borrowers. Hence, the interest rates for female borrowers of ICICI Bank start from 8.75% p.a. onwards.
From where can I download my ICICI Bank Home Loan statement?
ICICI Bank Home Loan borrowers can download their home loan statements either through the official website of ICICI Bank or through its mobile app, iMobile. Alternatively, borrowers can also visit ICICI Bank branches to get their home loan statements.
Can I track my ICICI Bank Home Loan application status?
Yes, you can track your ICICI Bank Home Loan application status either through the official website of ICICI Bank or through its mobile banking app, iMobile. You can also check the status of your home loan application through the ICICI Bank branch or by contacting the ICICI Bank Home Loan customer care service.
What is the customer care email ID for ICICI Bank Home Loan?
The customer care email ID for ICICI Bank Home Loan is customer.care@icicibank.com.
What is the disbursement process for ICICI Bank Home Loan?
Once an applicant receives a home loan sanction from ICICI Bank, the lender would ask the applicant to sign the mandates, disbursement request form and facility agreement of loan amount. The applicant would have to also submit the original documents related to the home purchase transaction for validating the collateral security. Once these processes are completed, ICICI Bank will make loan disbursements depending on the banking proof submitted and the s date of EMI, date of disbursement and mode of disbursement chosen by the applicant.
What is the processing time of ICICI Bank Home Loan?
ICICI Bank claims to take around 1-2 weeks to sanction home loans. However, the processing time can vary depending on the accuracy and verification of the applicant’s financial documents and the time taken for property and legal checks. The time taken for home loan sanction would also depend on how promptly the applicants submit the required documents. Post-sanction of the home loan application, the bank would carry out legal and technical evaluation of the property and the applicant would have to sign the disbursement-related documents. Once all the processes are ticked, the bank will make disbursements depending on the disbursement date, EMI date and mode of disbursement chosen by the applicant.
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