Icici Bank Top Up Loan Interest Rate Jun 2026

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The interest rate of an ICICI Bank top-up loan has profound implications for a borrower’s financial strategy. icici bank top up loan interest rate

Like most floating-rate home loans in India, ICICI Bank’s top-up loans are linked to the Repo Linked Lending Rate (RLLR). The RLLR is determined by the Reserve Bank of India’s (RBI) repo rate. Therefore, any reduction in the repo rate by the RBI generally translates to a lower interest rate for the borrower. However, the final rate is calculated as: RLLR + Spread . While the RLLR changes with monetary policy, the "spread" (the margin added by the bank) usually remains constant throughout the loan tenure. Here’s a feature prepared on , suitable for