Home Loan Interest Rate — In Icici Bank

ICICI Home Loan Interest Rate = Repo Rate + Credit Risk Spread (CRS) + Operating Cost Spread

Note: Assuming Repo Rate = 6.75% (for illustration; actual depends on RBI policy). home loan interest rate in icici bank

Specifically designed for the affordable housing segment. ICICI Home Loan Interest Rate = Repo Rate

| 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% | For a borrower, the key to securing the

ICICI Bank remains a strong contender in the home loan market due to its competitive interest rates and robust digital infrastructure. For a borrower, the key to securing the best rate lies in maintaining a healthy credit score and having a stable income history.

Rates are linked to the RBI repo rate and are generally reset quarterly.