| Bank | Rate (Floating) | Processing Fee | Overdraft Option | Special Feature | |------|----------------|----------------|------------------|------------------| | | 8.50% – 9.15% | Up to 1% | MaxGain | Fastest digital process | | SBI | 8.40% – 8.90% | ₹10,000 + GST | MaxGain | Lowest base rate | | HDFC | 8.65% – 9.20% | 0.5% – 1% | Not available | Large branch network | | Axis Bank | 8.60% – 9.10% | 1% (waived) | Max Saver | Free credit score check |
ICICI Bank is one of India’s largest private sector lenders, offering competitive home loan products across salaried and self-employed segments. Known for digital-first processing, quick disbursals, and flexible repayment options, ICICI competes directly with HDFC Ltd., SBI, and LIC Housing Finance. The bank has aggressively adopted repo-rate-linked lending (RLLR) and offers special schemes for green homes, affordable housing, and NRI buyers. icici housing loan