# ICICI BANK INTEREST RATE

**Current Home loan Interest Rates Based on Borrowers Category**

A. Special pricing for loans up to ₹ 30 lacs

**Floating Interest Rate**

Category | I-MCLR-6M (8.15%) | I-MCLR-1Y (8.20%) |
---|---|---|

Salaried Borrower Loan Amount <= ₹ 30 lacs | ||

Women Borrower | I-MCLR-6M + 0.20% (8.35%) | I-MCLR-1Y + 0.15% (8.35%) |

Others | I-MCLR-6M + 0.25% (8.40%) | I-MCLR-1Y + 0.20% (8.40%) |

Self Employed Borrower Loan Amount <= ₹ 30 lacs | ||

Women Borrower | I-MCLR-6M + 0.35% (8.50%) | I-MCLR-1Y + 0.30%(8.50%) |

Others | I-MCLR-6M + 0.40% (8.55%) | I-MCLR-1Y+ 0.35% (8.55%) |

**Fixed rate for 24/36 months**

Category | I-MCLR-1Y (8.20%) | |
---|---|---|

Fixed rate for 24/36 months | Floating rate pricing from third & fourth year onwards | |

Salaried Borrower Loan Amount <= ₹ 30 lacs | ||

Women Borrower | 8.35% | I-MCLR-1Y + 0.15% |

Others | 8.40% | I-MCLR-1Y + 0.20% |

Self Employed Borrower Loan Amount <= ₹ 30 lacs | ||

Women Borrower | 8.50% | I-MCLR-1Y + 0.30% |

Others | 8.55% | I-MCLR-1Y + 0.35% |

#### B. Below mentioned floating rates are linked to I-MCLR-1Y (One year MCLR) benchmark rate. I-MCLR-1Y is 8.20%.

Women Borrower**

Floating Interest Rate | ||
---|---|---|

Category | Effective Rate of Interest | Rate |

₹ 30 lacs to ₹ 75 lacs | 8.65% | I-MCLR-1Y+0.45% |

₹ 75 lacs to ₹ 5 crore | 8.70% | I-MCLR-1Y+0.50% |

Above ₹ 5 crore | 8.80% | I-MCLR-1Y +0.60% |

Fixed Interest Rate for 5 Years, 10 Years | ||

Category | Effective Rate of Interest | Rate |

Up to ₹ 30 lacs | 8.70% | I-MCLR-1Y + 0.50% |

₹ 30 lacs to ₹ 5 crore | 8.80% | I-MCLR-1Y + 0.60% |

Above ₹ 5 crore | 8.90% | I-MCLR-1Y+0.70% |

Full Tenor Fixed Interest Rate | ||

Category | Effective Rate of Interest | |

Up to ₹ 30 lacs | 9.70% | |

₹ 30 lacs to ₹ 5 crore | 9.80% | |

Above ₹ 5 crore | 10.05% |

## Salaried Borrower

Floating Interest Rate | ||
---|---|---|

Category | Effective Rate of Interest | Rate |

₹ 30 lacs to ₹ 75 lacs | 8.70% | I-MCLR-1Y + 0.50% |

₹ 75 lacs to ₹ 5 crore | 8.75% | I-MCLR-1Y + 0.55% |

Above ₹ 5 crore | 8.85% | I-MCLR-1Y + 0.65% |

Fixed Interest Rate for 2 Years, 3 Years | ||

Category | Fixed rate for 24/36 months | Floating rate pricing from 25^{th}/37^{th} month |

₹ 30 lacs to ₹ 75 lacs | 8.70% | I-MCLR-1Y + 0.50% |

₹ 75 lacs to ₹ 5 crore | 8.75% | I-MCLR-1Y + 0.55% |

Above ₹ 5 crore | 8.85% | I-MCLR-1Y + 0.65% |

Fixed Interest Rate for 5 Years, 10 Years | ||

Category | Fixed rate for 60/120 months | Floating rate pricing from 61^{st}/121^{st} month |

Up to ₹ 30 lacs | 8.75% | I-MCLR-1Y + 0.55% |

Above ₹ 30 lacs | 8.85% to 8.95% | I-MCLR-1Y + (0.65% to 0.75%) |

Full Tenor Fixed Interest Rate | ||

Category | Effective Rate of Interest | |

Up to ₹ 30 lacs | 9.75% | |

Above ₹ 30 lacs | 9.85% to 10.10% |

## Self Employed Borrower

Floating Interest Rate | ||
---|---|---|

Category | Effective Rate of Interest | Rate |

₹ 30 lacs to ₹ 75 lacs | 8.70% | I-MCLR-1Y + 0.50% |

Above ₹ 75 lacs | 8.75% to 8.85% | I-MCLR-1Y + (0.55% to 0.65%) |

Fixed Interest Rate for 2 Years, 3 Years | ||

Category | Fixed rate for 24/36 months | Floating rate pricing from 25^{th}/37^{th} month |

₹ 30 lacs to ₹ 75 lacs | 8.70% | I-MCLR-1Y + 0.50% |

Above ₹ 75 lacs | 8.75% to 8.85% | I-MCLR-1Y + (0.55% to 0.65%) |

Fixed Interest Rate for 5 Years, 10 Years | ||

Category | Fixed rate for 60/120 months | Floating rate pricing from 61^{st}/121^{st} month |

Up to ₹ 30 lacs | 8.75% | I-MCLR-1Y + 0.55% |

Above ₹ 30 lacs | 8.85% to 8.95% | I-MCLR-1Y + (0.65% to 0.75%) |

Full Tenor Fixed Interest Rate | ||

Category | Effective Rate of Interest | |

Up to ₹ 30 lacs | 9.75% | |

Above ₹ 30 lacs | 9.85% to 10.10% |

**Disclaimer**:

Processing fee applicable is 0.5% of loan amount plus applicable service tax.

*Valid till September 30, 2017.

**Woman borrower should be the main applicant to the loan and she should be either owner or co-owner in the property being financed.

**Non – Home Loan Interest Rate**

Indicative lending rate for Non – Home Loan 11.35% onwards.

Non-Home Loan includes Top-up Loan, Loan Against Property – residential and commercial, Office Premises Loan etc.