Services >> Home Loans >> Rates and Fees
 

Standard Interest Rates for Resident Indians



Adjustable Rate Loans:

Home/Land Loans
Office Premises Loans
Home Equity Loans - Loan Against Property

Fixed Rate Loans:

Home/Land Loans
Office Premises Loans
Home Equity Loans - Loan Against Property

In case of adjustable rate loans, the interest rate is linked to the ICICI Bank Floating Reference Rate (FRR) and changes with the change in FRR. The FRR for ICICI Bank Home Loans is currently 8.75% . The EMI tables for adjustable rate loans are given below : -

Home Loans / Land Loans:

Adjustable rate

Tenure

 Rate of Interest Applicable ROI
EMI per lac (Rs.)

5 years

 FRR -0.75% 8.00%

2028

10 years

 FRR -0.75% 8.00%

1214

15 years

 FRR -0.75% 8.00%

956

20 years

 FRR -0.75% 8.00%

837

 

 

 

 

0% Processing fee

Admin fee - 0.5% of loan amount (plus applicable service tax)

Interest calculated on monthly rest
Maximum tenure of 20 years.
No fee on Part-Prepayment.

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Office Premises Loan:

Adjustable rate

Tenure (yrs)

Rate of Interest Applicable ROI
EMI per Lac (Rs.)

5 years

 FRR +1.50%
10.25%

2138

10 years

 FRR +1.50%
10.25%
1336

15 years

 FRR +1.50%
10.25%
1090

 

 

 

 

Processing fee - 0.5% of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).
Interest calculated on monthly rest.
Maximum tenure of 15 years.
No fee on Part-Prepayment.
Top

Home Equity Loans - Loan Against Property:

Residential Properties - Adjustable rate
Tenure
Rate of interest
Applicable ROI
EMI per lac (Rs.)

5 years

FRR +1.00%
9.75%

2113

10 years
FRR +1.00%
9.75%
1308

15 years
FRR +1.00%
9.75%
1060

Commercial Properties Adjustable rate
Tenure Rate of interest Applicable ROI EMI per lac (Rs.)

5 years

FRR +1.00%

 10.25%

2138

10 years

FRR +1.00%

 10.25% 1336

15 years

FRR +1.00%

 10.25% 1090

Processing fee - 0.5% of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).

Interest calculated on the basis of monthly rest.
Maximum tenure of 15 years.
No fee on Part-Prepayment.

Fixed Rate Loans

In case of fixed rate loans the interest rate remains unchanged throughout the tenure of the loan.The EMI tables for Fixed Rate loans are given below :

Home Loans / Land Loans:

Fixed rate

Tenure (yrs)

Applicable ROI

EMI per lac (Rs.)
5 years
9.00%
2076
10 years
9.00%
1267
15 years
9.00%
1015
20 years
9.00%
900

0% Processing fee

Admin fee - 0.5% of loan amount (plus applicable service tax)

The interest rate is calculated on a monthly rest..
No fee on Part-Prepayment.
Top


Office Premises Loans:

Fixed rate

Tenure (yrs)

Applicable ROI
EMI per lac (Rs.)

5 years

11.00%

 2175

10 years

 11.00% 1378

15 years

 11.00% 1137

Processing fee - 0.5% of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).
The interest rate is calculated on a monthly rest..
Maximum tenure of 15 years.
No fee on Part-Prepayment.

Top

Home Equity Loans - Loan Against Property:

Residential Properties - Fixed rate
Tenure
Applicable ROI
EMI per lac (Rs.)

5 years
10.50%

2150

10 years
10.50%
1350

15 years
10.50%
1106

Commercial Properties - Fixed rate
Tenure
Applicable ROI
EMI per lac (Rs.)

5 years
11.00%

2175

10 years
11.00%
1378

15 years
11.00%
1137

Processing fee - 0.5% of loan amount (plus applicable service tax).

Admin fee - 0.5% of loan amount (plus applicable service tax).
The interest rate is calculated on a monthly rest.
Maximum tenure of 15 years..
No fee on Part-Prepayment.

Top

 
 
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