The interest rate you receive is influenced by several factors, including your employment type, credit score (CIBIL), and the total loan amount. Below is a breakdown of the standard rates as of May 2026: Salaried Borrowers Self-Employed Borrowers Up to ₹35 Lakh 9.25% – 9.65% 9.40% – 9.80% ₹35 Lakh to ₹75 Lakh 9.50% – 9.80% 9.65% – 9.95% Above ₹75 Lakh 9.60% – 9.90% 9.75% – 10.05% Data sourced from ClearTax and Wishfin . Special Rates for High Credit Scores
Beyond the interest rate, consider the following one-time and recurring costs: Home Loan Processing Fees & Service Charges - ICICI Bank
Borrowers with a strong credit history can often unlock lower interest rates. For instance, applicants with a may qualify for a starting rate of 9.00% p.a. regardless of employment type. Key Features and Benefits
Last 3 months' salary slips, Form 16, and 6 months' bank statements.
Calculation method: Reducing monthly balance.
The interest rate you receive is influenced by several factors, including your employment type, credit score (CIBIL), and the total loan amount. Below is a breakdown of the standard rates as of May 2026: Salaried Borrowers Self-Employed Borrowers Up to ₹35 Lakh 9.25% – 9.65% 9.40% – 9.80% ₹35 Lakh to ₹75 Lakh 9.50% – 9.80% 9.65% – 9.95% Above ₹75 Lakh 9.60% – 9.90% 9.75% – 10.05% Data sourced from ClearTax and Wishfin . Special Rates for High Credit Scores
Beyond the interest rate, consider the following one-time and recurring costs: Home Loan Processing Fees & Service Charges - ICICI Bank
Borrowers with a strong credit history can often unlock lower interest rates. For instance, applicants with a may qualify for a starting rate of 9.00% p.a. regardless of employment type. Key Features and Benefits
Last 3 months' salary slips, Form 16, and 6 months' bank statements.
Calculation method: Reducing monthly balance.