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An ICICI home loan EMI calculator gives you an estimate of your repayment instalments. This estimate allows you to determine if the loan terms available suit your finances. Since a home loan is a major undertaking, optimising it is crucial.


When you optimise your borrowing based on your current finances, you can ensure that repayment goes smoothly all through. This is why calculating your EMIs beforehand is an essential step. 


Different lenders have different EMI calculators that you can use to arrive at a decision that prioritises your financial wellbeing. To know how to use the ICICI home loan EMI calculator and more, read on.

Calculate ICICI Bank Home Loan EMI Online

Loan Amount
  • Months
  • Years
Rate of Interest

Monthly EMI

at % interest rate for months

Total Amount Payable
Principal Amount
Total Interest Amount
Year Principal Interest Balance

How to use ICICI Home Loan EMI Calculator

The ICICI Bank Home Loan calculator is easy to use and requires minimal effort. In fact, you only need to know the key loan terms and you can get started. To use the calculator, follow the steps outlined below:


  • Step 1: Visit the EMI calculator webpage and enter your home loan amount 

  • Step 2: Select the interest rate

  • Step 3: Choose the preferred tenure for the Home Loan


Once you enter these values, the EMI amount will instantly be displayed on the screen. You can even change the variables as many times as you want to arrive at terms that are most comfortable to you. 

ICICI Home Loan EMI at Different Tenures

When you opt for an ICICI Bank Home Loan, you can avail maximum repayment tenure of up to 30 years. Naturally, as the tenure changes, so does your total outgo and EMI amount. To help you better understand the differences and the impact of altering the tenure, take a look at the following table.

Home Loan Amount

Interest Rate Per Annum

10-Year tenure

15-Year tenure

20-Year tenure

30-Year tenure

₹20 Lakhs






₹30 Lakhs






₹50 Lakhs






₹75 Lakhs






₹1 Crore






Disclaimer: The above EMIs are calculated with the calculator available on Bajaj Markets. Actual figures may vary depending on the loan terms.

FAQs on ICICI Home Loan EMI Calculator

The ICICI Bank Housing Loan EMI calculator gives you an estimate of your EMIs, which allows you to determine the loan amount and tenure you can manage without stretching your finances.

When you part-prepay your home loan, you will be able reduce your EMI outgo and save on interest by reducing your outstanding principal amount.

Yes, you can try several methods to reduce the EMI amount. One way is by opting for longer loan repayment tenure. Another way is by improving your CIBIL score, which will give you the power to negotiate for lower interest rates.

You can also try to talk to your banker about reducing interest rates if you have a long-standing relationship with the institution. You can even get your ICICI Bank Home Loan EMI reduced by making a sizable down payment upfront.

To pay your ICICI Home Loan EMI, you can opt for online payment methods such as internet banking or pay with your debit card. You can also use other digital payment systems such as online wallets.

Loan repayment takes place in monthly instalments, also known as EMIs. The EMI amount has your interest payment and principal amount. The monthly instalments depend on the loan terms.

The best way to calculate EMIs for a home loan is to use the ICICI home loan EMI calculator. This easy-to-use tool requires minimum information and outputs instantaneous results.

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