Paisabazaar Logo - Compare loans and credit cards

ICICI Home Loan EMI Calculator

Consumers can use the ICICI Bank Home Loan EMI Calculator to calculate the EMIs and interest cost on their home loans against various loan amounts, interest rates and repayment tenures. Consumers can also use this calculator to determine the optimum tenure and EMI for their home loan based on their repayment capacity and unavoidable financial goals.

Select Your Bank

1L10Cr
6%30%
1Y 30Y

Your Monthly EMI Payment

0

Principal Amount0
Interest Amount0
Total Amount0

Find Best Personal Loan Offers

Sort by:

HDFC Bank
Min Loan Amt. 15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee10,000
ICICI Bank
Min Loan Amt. 15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee10,000
Axis Bank
Min Loan Amt. 30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee14,000
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

ICICI Home Loan EMI Calculator

ICICI Bank offers the home loan EMI calculator for prospective home loan borrowers to choose various combinations of interest rates, loan amounts and tenures to obtain the EMI and interest costs incurred for those combinations. Prospective home loan borrowers can also use the home loan EMI calculator offered by various lenders and financial marketplaces to calculate the EMI and interest cost on their home loans.

Factors Affecting ICICI Bank Home Loan EMI

Interest rate

ICICI Bank home loan interest rates start from 8.75% p.a. Applicants availing home loans at lower interest rates will have to pay lower interest cost, which will reduce the EMI amount. On the other hand, applicants availing home loans at higher rates would have to pay higher interest cost and higher EMI amount. Therefore, prospective home loan borrowers should check and compare the home loan interest rates offered by top lenders with ICICI Bank before applying for a home loan. The home loan interest rates offered by top banks and HFCs are as follows:

Loan amount

The final home loan amount offered to the borrower depends on the LTV ratio offered by the lender. LTV (loan-to-value) ratio of a home loan is the percentage of a property’s value that a lender finances through its home loan. The borrower has to arrange the remaining amount from their own funds as down payment or margin contribution. It is also important to note that the RBI has capped the upper limit for home loan LTV ratios based on the loan amount as per the table below:

Home loan amount LTV ratio
Up to Rs 30 lakh Up to 90% of the property cost
Above Rs 30 lakh to up to Rs 75 lakh Up to 80% of the property cost
Above Rs 75 lakh Up to 75% of the property cost

However, the final LTV ratio offered to the home loan applicant would depend on various factors including the credit scores, repayment capacity, income, etc of the applicant.

As opting for higher loan amounts will incur higher interest costs and EMIs, applicants should always try to opt for lower LTV ratios. Moreover, many lenders set lower home loan interest rates for borrowers opting for lower LTV ratio as it reduces the credit risk of the lender.

Also know the home loan eligibility of top 10 banks and HFCs

Loan tenure

ICICI Bank home loan repayment tenure stretches for up to 30 years. Applicants availing home loan for longer repayment tenures will have to pay lower EMIs and higher interest cost. However, in cases of home loans availed for shorter tenure, applicants will have to pay higher EMI amounts and lower interest costs.

Charges Applicable on Non-payment of EMI for ICICI Home Loans

Reason Penalty
Additional interest 2% per month
Cheque/ECS/NACH dishonor Charges, per transaction Rs 500 per bounce/ return/ dishonor of cheques and/ or any payment instruction including AD/ ECS/ NEFT

Benefits of Using ICICI Home Loan EMI Calculator

  • Helps in financial planning/budgeting
  • Provides quick and accurate information
  • Helps in deciding the optimal EMI and loan tenure

Avail Personal Loan for
All Your Needs

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

quotes icon

What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

icon image of avatar
Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

icon image of avatar
Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

icon image of avatar
Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

icon image of avatar
Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

icon image of avatar
Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

icon image of avatar
Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

icon image of avatar
KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

icon image of avatar
Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

icon image of avatar
Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

icon image of avatar
Soumil KhannaSep 3, 2021
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Knapsack with coins

Check Best Home Loan Offers
with Quick Disbursal

Scroll to top