ICICI Bank Home Loan EMI Calculator
Compute your monthly EMI for ICICI Bank home loans based on verified 2026 interest rates (8.75% - 9.5% p.a.), processing charges, and 30-year amortization schedules.
ICICI Bank Housing Loan Simulator
Benchmark ROI: 8.75%ICICI Bank EMI for Standard Loan Amounts (20-Year Tenure)
Pre-computed monthly installments across popular ticket sizes at ICICI Bank's benchmark rate range (8.75% - 9.5%):
| Loan Ticket Size | Monthly EMI Range (20Y) | Total Interest Outgo | Applicable ROI | Min Monthly Salary (50% FOIR) |
|---|---|---|---|---|
| ₹30 Lakh (₹30,00,000) | ₹26,511 - ₹27,964 / mo | ₹33,62,640 | 8.75% - 9.50% | ₹53,022 / mo |
| ₹50 Lakh (₹50,00,000) | ₹44,186 - ₹46,607 / mo | ₹56,04,640 | 8.75% - 9.50% | ₹88,372 / mo |
| ₹75 Lakh (₹75,00,000) | ₹66,278 - ₹69,910 / mo | ₹84,06,720 | 8.75% - 9.50% | ₹1,32,556 / mo |
| ₹1 Crore (₹1,00,00,000) | ₹88,371 - ₹93,213 / mo | ₹1,12,09,040 | 8.75% - 9.50% | ₹1,76,742 / mo |
ICICI Bank Home Loan Principal vs Interest Ratio
20-Year Amortization Trajectory
Everything You Need to Know About ICICI Bank Home Loans
ICICI Bank is one of the premier housing finance lenders in India. With interest rates indexed directly to the Reserve Bank of India repo rate through ICICI I-Prime Repo Rate, borrowers benefit from direct transmission of RBI monetary rate cycles.
Key highlights of ICICI Bank home loans include: Pre-approved digital sanctions, Home Loan Overdraft (Money Saver), 30Y amortizations. Per Reserve Bank of India mandates, floating-rate housing loans from ICICI Bank carry zero foreclosure or prepayment penalties for individual borrowers, allowing you to make part-prepayments whenever surplus funds are available.