ICICI Bank Home Loan Interest Rate August 2026: 8.50% – 9.80% p.a.
ICICI Bank's standard floating home loan interest rate ranges from 8.50% to 9.80% p.a., depending on your bureau (CIBIL) score, loan amount slab, and employment type. Existing ICICI customers with a pre-approved digital offer can get an instant online sanction starting at just 7.50% p.a. ICICI Bank's floating rate is linked to the RBI Repo Rate, currently at 5.25% p.a. (effective December 2025).
ICICI Bank Home Loan Interest Rate by Bureau Score
Your credit (bureau) score is one of the biggest factors in determining your ICICI Bank home loan interest rate.
| Bureau Score | Salaried | Self-Employed |
|---|---|---|
| 800 & above | 8.50% p.a. | 8.50% p.a. |
| 750 – 800 | 8.50% p.a. | 8.60% p.a. |
ICICI Bank Home Loan Interest Rate by Loan Slab
| Loan Amount | Salaried | Self-Employed |
|---|---|---|
| Up to ₹35 Lakh | 8.50% – 9.40% | 8.50% – 9.55% |
| ₹35 Lakh – ₹75 Lakh | 8.50% – 9.55% | 8.50% – 9.70% |
| Above ₹75 Lakh | 8.50% – 9.65% | 8.50% – 9.80% |
Fixed-Rate Home Loan Options
Borrowers who prefer rate certainty over a fixed period can choose from ICICI Bank's fixed-rate structures:
| Fixed Period | Interest Rate |
|---|---|
| 24 months | 9.10% – 9.15% p.a. |
| 60 months | 10.50% – 10.60% p.a. |
| Full term | 10.90% – 11.20% p.a. |
Processing Fee
ICICI Bank charges a processing fee of 0.50% of the loan amount plus applicable taxes.
ICICI Bank Home Loan Products
How to Get the Lowest ICICI Bank Home Loan Interest Rate
Eligibility Criteria & Documents Required
*Rates are indicative, valid till 31 July 2026 per ICICI Bank's official pricing, and subject to change basis RBI policy and the bank's prevailing pricing. Last updated August 2026.