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ICICI Home Loan Interest Rates 2026
As of April 2026, the ICICI home loan interest rate starts from 8.50% p.a. for applicants with a strong credit score of 800 and above. For most borrowers, the ICICI bank home loan interest rate typically ranges between 8.50% and 10.05% p.a. on floating-rate loans, depending on factors such as loan amount, employment type, and overall credit profile. Understanding the ICICI home loan interest rate today can help you plan your EMI better and choose the most suitable loan option.
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- ICICI Home Loan Interest Rates 2026
Current ICICI Home Loan Interest Rates as of March 2026
The ICICI Bank home loan interest rate is linked to the Repo Linked Lending Rate (RLLR), which means it changes in line with the RBI repo rate.
The home loan interest rate of ICICI varies based on credit score, loan amount, employment type, and interest type (floating or fixed). Here’s a simplified view:
| Category | Type / Criteria | Interest Rate (p.a.) |
| Special Rates | Credit Score 800 & above | 8.50% onwards |
| Credit Score 750 – 800 | 8.50% – 8.60% | |
| Standard Rates (Salaried) | Loan up to ₹35 lakh | 8.50% – 9.40% |
| ₹35 lakh – ₹75 lakh | 8.50% – 9.55% | |
| Above ₹75 lakh | 8.50% – 9.65% | |
| Standard Rates (Self-Employed) | Loan up to ₹35 lakh | 8.50% – 9.55% |
| ₹35 lakh – ₹75 lakh | 8.50% – 9.70% | |
| Above ₹75 lakh | 8.50% – 9.80% | |
| Fixed Rates | 2 years | 9.10% – 9.15% |
| 3 years | 8.90% – 9.15% | |
| 10 years | 10.50% – 10.60% | |
| Full tenure | 10.90% – 11.20% |
*Rates are indicative and may vary based on applicant profile, credit score, and loan amount.
The ICICI Bank home loan interest rate today may slightly differ depending on internal policies and borrower risk assessment.
Home Loan Amount
Loan Tenure
Interest Rate
Loan Tenure Completed
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Choosing the right Home loan insurance is now effortless. Simply enter your details, hit “Calculate,” and receive a personalized plan designed just for you.
What Affects ICICI Current Home Loan Interest Rate?
The ICICI current home loan interest rate varies for everyone. It is personalised based on your financial profile. Key factors include:
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Credit score (750+ preferred)
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Monthly income and job stability
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Loan amount and tenure
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Property location and type
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Existing relationship with the bank
A strong profile can help you secure the lowest current home loan interest rates ICICI offers.
EMI Calculator
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ICICI Home Loan Interest Rate Calculator
Before finalising your loan, it’s important to understand how much you’ll actually pay every month. An ICICI home loan interest rate calculator helps you do exactly that. With a calculator, you can:
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Estimate your EMI instantly
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Compare different loan tenures
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Understand total interest payable
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Adjust the loan amount for affordability
Using the home loan interest rate calculator gives you a clear financial picture before committing.
Home Loan Insurance with ICICI Home Loans
ICICI Home Loan Insurance is designed to protect both your family and your home loan by covering the outstanding amount in case of unforeseen events like death, critical illness, or disability during the loan tenure. Offered through ICICI’s insurance partners, it ensures that your family is not burdened with repayment and can continue to retain ownership of the property, even in difficult situations.
Key Features and Benefits:
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Complete Loan Protection: Home Loan Insurance covers the outstanding home loan amount so your family doesn’t have to repay it in your absence
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Flexible Coverage Options: Choose between reducing cover (aligned with loan balance) or fixed sum assured
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Rider Benefits: Add-ons like critical illness, accidental death, and disability cover enhance protection
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Flexible Premium Payment: Option to pay a single premium or in instalments, based on convenience
Term Plans
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LIFE COVER
₹ 1 Crore
STARTS AT
₹ 13/day+
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LIFE COVER
₹ 50 Lakh
STARTS AT
₹ 8/day+
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LIFE COVER
₹ 75 Lakh
STARTS AT
₹ 12/day+
Wrapping Up
The ICICI home loan interest rate in 2026 remains competitive, starting from 8.50% p.a. for strong profiles and varying based on individual eligibility. By understanding rate structures, using a calculator, and considering options like insurance or rate conversion, you can make smarter borrowing decisions and manage your home loan more efficiently over the long ter
FAQs
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What is the current ICICI home loan interest rate today?
Ans: The ICICI home loan interest rate today starts from 8.50% p.a. for borrowers with a high credit score and can go up to around 10.05% p.a., depending on factors like loan amount, income, and employment type. -
How can I reduce my ICICI home loan interest rate?
Ans: You can opt for an interest rate conversion by paying a nominal fee or improve your credit profile to negotiate better terms with the bank. -
Does ICICI offer a home loan interest rate calculator?
Ans: Yes, the ICICI home loan interest rate calculator helps you estimate your EMI, total interest payable, and compare different loan tenures before applying. -
Is home loan insurance mandatory with ICICI home loans?
Ans: No, home loan insurance is not mandatory, but it is highly recommended as it protects your family from the burden of repaying the loan in case of unforeseen events.
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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10
+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.
+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
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+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.
1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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