ICICI Bank Interest Rates Today — August 2026

Our review of ICICI Bank: 4 products rated against every other provider we track, with the rates, the fees and what they cost you in rupees.

Founded	1994
Headquarters	Mumbai
Type	Private Bank
Official site	www.icicibank.com
Credsir rating	3.3/5, across 4 products rated

Best for: Borrowers who want a personal loan from a large private bank and will trade 0.46 points against the market’s best rate for it.

What it does well

Narrow gap between the advertised home loan rate and its published ceiling, so the headline number is closer to a real offer — 4.3/5
Personal loan rate is third best of the 8 providers we track — 0.46 pts off the best
Narrow gap between the advertised personal loan rate and its published ceiling — 4.8/5
Personal loan processing fee is among the lowest in the table — 4.4/5

Where it falls short

Home loan starts 0.30 points above Bank of Baroda, the cheapest lender we track — #6 of 12
Pays 1.75 points less on a fixed deposit than Suryoday Small Finance Bank, the best payer we track — joint #9 of 12

ICICI Bank products, rated

We score each product against every other provider we track for it. The same formula runs on every bank on this site, and we publish it in full.

Home loan

Rating	4.2/5
Rate from	7.50% (starting rate)
Maximum rate	9.60%
Terms	Repo-linked (EBLR)
Fee	0.5% + GST

Rated 4.2 out of 5 on our published formula. How it compares: the cheapest provider we track for this product is Bank of Baroda at 7.20%, 0.30 percentage points cheaper. The full ICICI Bank home loan breakdown has the eligibility and fee detail.

Personal loan

Rating	4.3/5
Rate from	10.45% (starting rate)
Maximum rate	16.50%
Terms	Up to 6 years
Fee	Up to 2% + GST

Rated 4.3 out of 5 on our published formula. How it compares: the cheapest provider we track for this product is HDFC Bank at 9.99%, 0.46 percentage points cheaper. See the full ICICI Bank personal loan breakdown.

Fixed deposit

Rating	2.1/5
Rate up to	6.50% (regular customer)
Terms	7.10% for senior citizens
Tenure	3 years 1 day to 5 years
Our ranking	Joint #9 of 12 providers we track

Rated 2.1 out of 5 on our published formula. How it compares: the best-paying provider we track for this product is Suryoday Small Finance Bank at 8.25%, 1.75 percentage points better. That gap is the reason to check the wider best FD rates table before renewing here.

Credit cards

Rating	2.5/5
Terms	2 cards reviewed

Rated 2.5 out of 5 on our published formula. The Amazon Pay ICICI Credit Card is the highest-volume of them, and our review sets out what its 5% Amazon cashback is actually worth.

Rates and fees

Product	Advertised rate	Maximum rate	Terms	Fee
Home loan	7.50%	9.60%	Repo-linked (EBLR)	0.5% + GST
Personal loan	10.45%	16.50%	Up to 6 years	Up to 2% + GST
Fixed deposit	6.50%	—	7.10% for senior citizens	3 years 1 day to 5 years
Credit cards	—	—	2 cards reviewed	—

Updated 15 Aug 2026 · ICICI Bank’s rate cards and published comparisons, across 4 products

Every advertised rate above is a floor, not an offer. The maximum rate column is the published ceiling, and where you land between the two depends on your profile. Ranked against every lender we track, the same numbers appear on our home loan interest rates and personal loan interest rates tables.

How we rated this bank

We take no money for ratings, and no bank can influence one. Every score above is simple maths on a dated rate table. Change the table and the score moves by itself. Our full rating method is published.

4 products rated	Every product we hold a dated rate for at ICICI Bank. Each one scored on its own.
32 competitor rates compared	We score each product against every other provider we track for it.
₹0 paid for this rating	No bank can buy, change or even see a Credsir score before you do. The formula has no input for it.