ICICI Bank Home Loan Interest Rates 2026
Instant Loans for Your Dream Home
Interest Rate
7.50% onwards
Max Tenure
30 Years
Processing Fee
₹5,000 + GST
Product Deep-Dive
ICICI Bank provides a wide range of home loan options tailored to the needs of modern urban professionals. From instant sanctions for existing account holders to flexible tenure options, ICICI focuses on making the home buying process as seamless as possible. Their integration with the repo rate ensures that interest rate changes are passed on efficiently to the customers.
Why Apply via Easiloan?
Key Highlights
- Instant Sanction for ICICI Bank customers
- Flexible loan-to-value (LTV) ratios
- Doorstep document pickup service
- Linked to RBI Repro Rate
Documents Required
Check EMI and eligibility before you choose a bank
Comparing ICICI Home Loan with other lenders is easier when you first estimate how much you can borrow and what monthly EMI fits your budget. Use these calculators to plan affordability before you apply.
Quick Eligibility
Min Age
21 - 65 years
Employment
Salaried, Self-Employed
Min Monthly Income
₹25,000 per month
Processing Fee
₹5,000 + GST
*Calculated on loan amount
ICICI Home Loan FAQs
Can I get an ICICI home loan for an under-construction property?
Yes, ICICI provides loans for both ready-to-move and under-construction properties.
What is the maximum tenure for ICICI home loans?
You can avail a home loan for a tenure of up to 30 years.
How does ICICI Repo Rate linked lending works?
ICICI home loans are linked to the RBI Repo Rate (RRLLR), meaning any change in the external benchmark by RBI is directly passed to the borrower within a specific timeframe.
Does ICICI offer top-up loans on existing home loans?
Yes, existing ICICI home loan customers can get top-up loans for personal or business needs at attractive interest rates.
How to Apply for ICICI Bank Home Loan
In 4 Digital Steps
Digital Eligibility Check
Check your loan eligibility across 20+ banks instantly using our AI-driven calculator.
Expert Offer Comparison
Compare customized interest rates and processing fees to find the perfect lender.
Digital Paperwork
Upload document scans via our secure portal for parallel processing with multiple banks.
Instant Sanction
Get your in-principle sanction letter faster through our prioritized bank partner channels.
Comparison Matrix: Top Home Loans in India
| Lender | Interest Rate | Processing Fee | Max Tenure |
|---|---|---|---|
| SBI Home Loan | 7.25% onwards | ₹5,000 + GST | 30 Years |
| HDFC Home Loan | 7.75% onwards | ₹5,000 + GST | 30 Years |
| ICICI Home Loan | 7.50% onwards | ₹5,000 + GST | 30 Years |
| LIC Housing Finance | 7.60% onwards | ₹10,000 + GST (indicative; confirm on sanction) | 30 Years |
| IIFL Home Loan | 8.50% onwards | 0.25% + GST | 30 Years |
| Bajaj Finserv Home Loan | 8.60% onwards | Up to 0.50% + GST | 30 Years |
| PNB Housing Home Loan | 8.50% onwards | Up to 1.00% + GST | 30 Years |
| Central Bank Home Loan | 8.55% onwards | 0.50% + GST | 30 Years |
*Interest rates are subject to change based on borrower profile and bank policy. Last updated: August 2026.
Easiloan is a loan advisory platform, not a direct lender. Rates shown are indicative, sourced from partner banks, and subject to change based on your eligibility and the lender's final assessment.
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