Calculate your ICICI home loan EMI.
Use this calculator with ICICI's typical rate range. See your EMI, the tax-adjusted effective cost, and full amortization schedule. Independent of ICICI — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About ICICI Bank home loans
ICICI Bank links its home loan rates to the Repo-linked Lending Rate (RLLR). Rate changes typically follow RBI repo rate movements within one quarter.
ICICI home loan at a glance
| Typical rate range | 8.75% to 9.85% |
|---|---|
| Maximum tenure | 30 years |
| Maximum loan amount | 90% of property value for loans up to ₹30 lakh; lower LTV for higher amounts |
| Eligibility (age) | salaried minimum age 21, self-employed minimum age 25; maximum age at loan maturity 65 for salaried |
| Processing fee | 0.50% of loan amount (minimum ₹3,000) + GST |
ICICI home loan highlights
- Online home loan application with instant in-principle approval
- Property search via iLens portal integrated with the application
- Home Overdraft option — flexible drawdowns within sanctioned limit
- Joint application allowed with non-earning spouse for tax planning
- Insta Home Loan for pre-approved customers (decision in minutes)
Disclaimer: indiaemi.com is not affiliated with ICICI Bank. The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with ICICI before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b), 80C, 80EEA) apply to all home loans from approved Indian banks and housing finance companies — ICICI loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
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