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🇮🇳 India ICICI Bank ICICI Bank Bihar Bihar 145+ branches

ICICI Bank Home Loan in Bihar.

Quick answer: ICICI Bank home loan rate in Bihar: 8.6-9.65% (typical 8.75%). Average Bihar home loan ticket: ₹24.00 L. State stamp duty: 6% (~₹1.44 L extra). Typical EMI on a 20-year loan: ₹21,209/month.

🇮🇳

EMI Calculator

₹
₹25.00 L
%
Monthly EMI
₹21,696
/month
Total Interest
₹27.07 L
52% of total
Total Payable
₹52.07 L
over 20 years
Principal vs Interest Split
48% principal
52% interest
✨ Live · For home, personal, auto, education loans · Excludes processing fees
📍 ICICI Bank in Bihar

ICICI Bank's Bihar positioning.

ICICI Bank operates 145+ Bihar branches centred on Patna Boring Road, Bailey Road, Patliputra, plus Muzaffarpur, Gaya, and Bhagalpur. The bank serves Patna's emerging private-sector salaried cohort, doctors and lawyers, contractor-SME owner-buyers, and the nascent Patliputra IT Park salary book.

ICICI Bank branches in Bihar
145+
Bihar stamp duty
6%
of property value
Avg loan ticket
₹24.00 L
in Bihar
💡 Why this combination is interesting

ICICI's Bihar strategy is to capture the private-sector salaried and self-employed-professional segment in Patna that SBI and PNB underserve. The bank's Boring Road branch handles doctors, lawyers, and chartered accountants with stated-income products that scale to 50 lakh tickets, and Bihta industrial corridor lending against BIADA-approved plots is a growing book. Bihar's 6% stamp duty with 0.3% women concession is modest, so ICICI's competitive lever is digital sanction speed and same-day instant offer for pre-approved corporate customers at HCL Patna and AIIMS Patna.

🧾 Bihar tax context

How Bihar taxes affect your ICICI Bank EMI.

Professional Tax (Bihar)

Bihar does NOT levy Professional Tax. Saves ₹2,500/year vs Maharashtra/Karnataka.

HRA tier (Section 10(13A))

Bihar Patna is HRA tier-2 non-metro: 40% of basic salary as HRA exemption. Lower than metros — limits HRA benefit despite local rent costs.

❓ FAQ

ICICI Bank in Bihar — common questions.

Does ICICI Bank offer stated-income home loans for Patna doctors and lawyers?
Yes. ICICI Boring Road and Bailey Road Patna branches underwrite stated-income loans for self-employed professionals using 3 years ITR, bank statements, and professional registration. Sanctions to 50 lakh at 9.10-9.50%.
EMI on a 24 lakh ICICI home loan in Patna for 20 years?
At 8.75% floating, 24 lakh over 240 months gives EMI of Rs 21,213, total interest Rs 26.91 lakh, total outflow Rs 50.91 lakh. Women applicant at 8.65% pays Rs 21,051.
Can I get an ICICI loan against a Bihta BIADA industrial plot with construction?
Yes. ICICI Patliputra branch sanctions plot-plus-construction loans against BIADA-approved Bihta layouts with stage-linked disbursement. LTV is 70% on plot-only and 80% on plot-plus-construction.
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Other banks in Bihar

HDFC Bank
HDFC Bank
from 8.45%
 SBI
SBI
from 8.25%
 Axis Bank
Axis Bank
from 8.75%
 Punjab National Bank
Punjab National Bank
from 8.45%
 Bank of Baroda
Bank of Baroda
from 8.4%
 Kotak Mahindra Bank
Kotak Mahindra Bank
from 8.7%
 Canara Bank
Canara Bank
from 8.4%
 Federal Bank
Federal Bank
from 8.5%
 Central Bank of India
Central Bank of India
from 8.45%
 UCO Bank
UCO Bank
from 8.45%
 LIC Housing Finance
LIC Housing Finance
from 8.5%
 IDFC First Bank
IDFC First Bank
from 8.85%
 Mahindra Finance
Mahindra Finance
from 10.5%
 Bank of India
Bank of India
from 8.5%
 Indian Overseas Bank
Indian Overseas Bank
from 8.4%
 Indian Bank
Indian Bank
from 8.45%
 Bandhan Bank
Bandhan Bank
from 9.15%
 Yes Bank
Yes Bank
from 8.95%
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