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ICICI Bank home loan interest rate

The advertised floor, the published ceiling, and what decides where you land between them.

The rate

Advertised ratePublished ceilingTermsProcessing fee
7.50%9.60%Repo-linked (EBLR)0.5% + GST

Data as of 15 Aug 2026Source: Lender rate cards and published comparisons, August 2026Pending issuer verification

ICICI Bank advertises from 7.50% and publishes a ceiling of 9.60% for this product — a spread of 2.10%. Where you land is set by your credit band, loan-to-value and income profile, not by negotiation.

How it compares

6th cheapest of the 12 providers we track, 0.30% above Bank of Baroda at 7.20%.

All home loan rates →All ICICI Bank home loan detail →

Terms change without notice. Confirm the current figures with ICICI Bank before you act.