ICICI Home Loan EMI Calculator 2025

ICICI Home Loan EMI Calculator

Q: How can I reduce my home loan interest rate with ICICI Bank?

To lower your home loan interest rate with ICICI Bank: 1. Improve Your Credit Score: A higher credit score can qualify you for better rates. Customers with a score above 800 may avail rates as low as 9.00% p.a. 2. Opt for Repo-Linked Loans: ICICI Bank offers home loans linked to the RBI's repo rate, which can lead to reduced interest rates when the repo rate decreases. 3. Apply Online: Using ICICI's digital platform may offer lower interest rates, starting from 8.75% p.a., subject to terms. 4. Request a Rate Reset: Existing customers can request a rate reset based on improved credit score or market conditions.

Q: What are the latest ICICI Bank home loan interest rates?

As of May 2025, ICICI Bank's home loan interest rates are: - Loan up to ₹35 lakhs: 9.25% - 9.65% (Salaried), 9.40% - 9.80% (Self-Employed) - ₹35 to ₹75 lakhs: 9.50% - 9.80% (Salaried), 9.65% - 9.95% (Self-Employed) - Above ₹75 lakhs: 9.60% - 9.90% (Salaried), 9.75% - 10.05% (Self-Employed) Fixed Rate Options: - 24 Months: 9.10% - 9.15% - 37 Months: 8.90% - 9.15% - 60 Months: 11.00% - 12.05% - Full Term: 11.15% - 11.45% Rates vary by credit score and loan profile. Refer to the ICICI Bank website for updates.

Q: What is the current repo rate?

As of April 9, 2025, the Reserve Bank of India (RBI) reduced the repo rate by 25 basis points to 6.00%. Further cuts are expected, with predictions of it falling to 5.75% in the upcoming policy review on June 6, 2025.

Q: How can I apply for a home loan EMI?

Online Application (Recommended): - Visit the ICICI Bank website. - Enter your details and upload documents. - Get instant eligibility and approval. Bank Visit: - Visit your nearest ICICI branch. - Fill out the application and submit documents. - Loan is processed manually. Online mode is faster, paperless, and offers instant updates.

Q: How does a home loan EMI calculator help?

A home loan calculator helps you estimate the exact monthly EMI liability for the desired loan amount for specific tenure and interest rates. You can plan your finances based on the EMI calculation.

Loan Amount

₹

Tenure

Yr

Interest Rate

%

Monthly EMI

₹12,133

Loan Amount

₹10,00,000

Interest Amount

₹4,55,931

Total Amount Payable

₹14,55,931

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Frequently Asked Questions

Q1. How can I reduce my home loan interest rate with ICICI Bank?

Q2. What are the latest ICICI Bank home loan interest rates?

Q3. What is the current repo rate?

Q4. How can I apply for a home loan EMI?

Q5. How does a home loan EMI calculator help?

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NSE - 12227, BSE-6844
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NSDL-IN303420
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Attention Investors:

Beware of fixed/guaranteed/regular returns/ capital protection schemes. Brokers or their authorized persons or any of their associates are not authorized to offer fixed/guaranteed/regular returns/ capital protection on your investment or authorized to enter into any loan agreement with you to pay interest on the funds offered by you. Please note that in case of default of a member claim for funds or securities given to the broker under any arrangement/ agreement of indicative return will not be accepted by the relevant Committee of the Exchange as per the approved norms.
Do not keep funds idle with the Stock Broker. Please note that your stock broker has to return the credit balance lying with them, within three working days in case you have not done any transaction within last 30 calendar days. Please note that in case of default of a Member, claim for funds and securities, without any transaction on the exchange will not be accepted by the relevant Committee of the Exchange as per the approved norms.
Check the frequency of accounts settlement opted for. If you have opted for running account, please ensure that your broker settles your account and, in any case, not later than once in 90 days (or 30 days if you have opted for 30 days settlement). In case of declaration of trading member as defaulter, the claims of clients against such defaulter member would be subject to norms for eligibility of claims for compensation from IPF to the clients of the defaulter member. These norms are available on Exchange website at following link: https://www.nseindia.com/invest/about-defaulter-section.
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Awareness regarding guidelines regarding margin collection:

Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 1, 2020
Update your mobile number & email Id with your stock broker/depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge
Pay 20% upfront margin of the transaction value to trade in cash market segment
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All investors are requested to take note that 6 KYC attributes i.e. Name, PAN, Address, Mobile Number, Email id and Income Range have been made mandatory. Investors availing custodian services will be additionally required to update the custodian details.
The last date to update KYC is on or before March 31, 2022.
Thereafter non-compliant trading accounts will be blocked for trading by the Exchange.
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The investors are hereby requested to comply with the regulatory guidelines issued by Exchanges and Depositories from time to time with regard to KYC compliance and related requirements.
We do proprietary trading

Client Bank Account Details:

Sr. No	Name of Bank Account	Bank Account Number	IFSC Code
1	ASTHA CREDIT AND SECURITIES P LTD - USCNBA A/c	00620340000150	HDFC0000062

*Investors are requested to note that Stock broker Astha Credit and Securities Private Limited is permitted to receive/pay money from/to investor through designated bank accounts only named as client bank accounts. Stock broker Astha Credit and Securities Private Limited is also required to disclose these client bank accounts to Stock Exchange. Hence, you are requested to use following client bank accounts only for the purpose of dealings in your trading account with us. The details of these client bank accounts are also displayed by Stock Exchanges on their website under “Know/ Locate your Stock Broker.

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For commodities derivatives please note that Commodities Derivatives are highly leveraged instruments.
Before investing in the asset class consider your investment objectives, level of experience and risk appetite carefully.
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Mutual Funds are not an approved product of the Exchanges and any dispute related to this will not be dealt at Exchange platform. ACSPL is a Mutual fund distributor/s registered for Mutual Funds.

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