ICICI Home Loan Interest Rate = Repo Rate + Credit Risk Spread (CRS) + Operating Cost Spread 2.1 Current Rate Structure (as of April 2026 – representative) | Loan Slab / Profile | Spread over Repo (approx) | Effective Interest Rate (p.a.) | |---------------------|---------------------------|--------------------------------| | Salaried (CIBIL 750+) | +1.65% to +2.00% | 8.40% – 8.75% | | Salaried (CIBIL 650-749) | +2.25% to +2.75% | 9.00% – 9.50% | | Self-employed (high income) | +1.85% to +2.25% | 8.60% – 9.00% | | NRI (salaried) | +2.00% to +2.50% | 8.75% – 9.25% |
| Interest Rate | EMI (₹) | Total Interest (₹) | |---------------|---------|--------------------| | 8.40% | 43,008 | 53,22,000 | | 8.65% | 43,957 | 55,49,000 | home loan interest rate in icici bank
Monthly EMI ↑ ₹949; Total interest ↑ ₹2.27 lakh. ICICI Home Loan Interest Rate = Repo Rate