ICICI Bank advertises home loans from 8.50% and can charge up to 9.65%. The table below shows what the same ₹50,00,000 loan over 20 years costs at each end of that range.
What it costs per month
On ₹50,00,000 over 20 years.
| Rate | EMI | Total interest |
|---|---|---|
| 8.50% | ₹43,391 | ₹54,13,879 |
| 9.65% | ₹47,097 | ₹63,03,378 |
as of 2026-09-17 · Lender rate pages, checked individually.
Principal and interest only. The processing fee, GST, documentation and any insurance sold alongside the loan are additional. Change the amount or the tenure in the EMI calculator, and check what you would actually be sanctioned with the loan eligibility calculator.
How it compares
ICICI Bank is 12th cheapest of the 12 providers we track, 1.35 percentage points above Canara Bank, LIC Housing Finance and Union Bank of India at 7.15%, and 1.30 points above Bank of Baroda at 7.20%. On ₹50 lakh over 20 years the gap to Bank of Baroda is about ₹4,024 a month. The full table is at home loan interest rates, and the rest of the bank’s lending detail is on the ICICI Bank home loan page.
Before you use this number
The advertised 8.50% is a floor. Where you land inside the band is set by your credit score, your down payment and your income type, not by bargaining — and whether the rate is fixed or floating changes what happens next, which we cover in fixed vs floating home loans.
Terms change without notice. Confirm the current figures with ICICI Bank before you act.
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