ICICI Bank Home Loan

Here are a few factors

How To Apply
Product Rating

( 4.6 /5 )

Total - 365 ratings




Repayment Tenures

Upto 30 year

Loan Amount

As per applicant’s eligibility

Processing Fees

0.50% of the loan amount


PAN India

ICICI Bank Home Loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %9 %
Tenure (months)12
Emi (monthly)8,745
Total Interest4,942
Loan Amount + Interest104,942
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
57,2403,97561,21542,76057.24 %
Jun7,9957508,74592,0057.99 %
Jul8,0556908,74583,95016.05 %
Aug8,1156308,74575,83524.16 %
Sep8,1765698,74567,65932.34 %
Oct8,2385078,74559,42140.58 %
Nov8,2994468,74551,12248.88 %
Dec8,3623838,74542,76057.24 %
42,75796843,7253100.00 %
Jan8,4243218,74534,33665.66 %
Feb8,4872588,74525,84974.15 %
Mar8,5511948,74517,29882.70 %
Apr8,6151308,7458,68391.32 %
May8,680658,7453100.00 %
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Different types of Home Loans from ICICI Bank

30 Year Home Loan

30 Year Home Loans offers you the facility of tenure extension. An extended tenure improves your eligibility for a home loan, enabling you to obtain a larger loan amount with lower EMIs. Salaried employees from the eligible list of organizations are eligible for 30 Year Home Loans.

Money Saver Home Loan

With a Money Saver Home Loan, you can reduce the interest charged on your home loan by avoiding paying interest on the premium. Your Home Loan Account functions as a Money Saver Account under this plan, into which you deposit funds or savings, bonuses, increments, etc.

Home Loan Balance Transfer

You can transfer your outstanding home loan balance from your current bank to a new lender that is giving a cheaper interest rate via a home loan balance transfer option. The facility ensures that the home loan features provided by the new lender align with your repayment goals and capabilities.

Top-up Home Loan

With the addition of an overdraft facility, you can now apply for a top-up on your current home loan and use the money to pay for various needs such as, home improvements, wedding costs, business development, funding for your child's further education, and other personal needs. If you already have a home loan with us, applying for a top-up loan is easier, less stressful, and requires less paperwork.

Step-up Home Loan

You can now own your dream home at a young age with ICICI Bank Step Up Home Loans. A product for young salaried professionals, the ICICI Bank Step Up Home Loan allows you to borrow more money than you would otherwise be eligible for under standard home loans.

Home Improvement Loan

For your dream home, ICICI Bank Home Improvement provides a limitless array of interior design options. With the help of our design partners, you can redesign your home very easily. For renovation, you can get the support of Livspace's thorough research, technical expertise, and creative judgment.

Land Loan

With ICICI Bank Land Loans, you can expand your holdings. Get a loan for land at the same rate as one for a home.

Home Overdraft

The ICICI Bank Home Overdraft offers a one-stop solution for all of your financial needs. It is a long-term, multipurpose facility that allows you to quickly access money to cover both anticipated and unforeseen needs.


Documents and Eligibility Required for ICICI Bank Home Loan


  • With ICICI Bank Home Loans, you can finally get the keys to the home of your dreams. Based on your salary, they provide bigger loan amounts. Moreover, by including the co-applicant(s) of your home loan, you can increase your eligibility for a home loan.
  • The eligibility for a home loan is determined after taking into account a number of variables, such as monthly income, fixed monthly obligations, present age, retirement age, etc. Moreover, your home loan eligibility will be considered an indicator of your home loan affordability.

PAN Card

Aadhaar Card

Latest Salary slip of 1 month

Ownership Proof

Voter ID

Latest Bank statements of 3 months

Documents Required

  • Application form with photograph duly signed
  • Identity, residence and age proof
  • Last 6 months bank statements
  • Last 3 months Salary-slips
  • Processing fee cheque
  • Form 16/ Income Tax Returns
  • Proof of business existence
  • Business profile
  • Education qualification certificate and proof of business existence
  • Last 3 years Income Tax Returns with computation of Income
  • Last 3 years CA Certified/ Audited Balance Sheet and Profit & Loss Account Post closure of loan, documents required for handover of original property documents are:
  • Power Of Attorney format for collection of original Property documents
  • In case of death of Loan Account holder:
  • Request letter from the Legal Heir/ Claimant/ Nominee(s) for handover of Property documents
  • Letter of relinquishment for relinquishing right (Nominee/ Legal heir) in favor of Legal Heirs/ Nominees/ surviving owners for the handover of Property documents

About ICICI BANK Home Loan

The ICICI Bank Home Loan is a one-stop solution for your dream home. Whether you want to buy or build a new home, they have various products to suit your needs. For a term of up to 30 years, ICICI Bank provides home loans that are affordable and have competitive interest rates. Through ICICI Bank Express Home Loan, a self-service digital platform, non-ICICI Bank customers and Non-Resident Indians (NRIs) may apply for a home loan online and receive a digital sanction in 5 easy steps. Additionally, due to minimal documentation, ICICI Bank can make your journey to get a home loan much easier. So, if you want to get a home loan that suits your needs, then look no further than ICICI Bank Home Loans. Let’s move ahead and discover more about their Home Loans.

Rate of Interest on ICICI Bank Home Loan

For Salaried Individuals


Floating Interest Rates

Up to ₹35 lacs

RR + 2.70% (8.10%) - RR + 3.45% (8.85%)

₹35 lacs to ₹75 lacs

RR + 2.70% (8.10%) - RR + 3.45% (8.85%)

Above ₹75 lacs

RR + 2.70% (8.10%) - RR + 3.55% (8.95%)

Rate of Interest on ICICI Bank Home Loan

For Self Employed


Floating Interest Rates

Up to ₹35 lacs

RR + 2.80% (8.20%) - RR + 3.60% (9.00%)

₹35 lacs to ₹75 lacs

RR + 2.80% (8.20%) - RR + 3.60% (9.00%)

Above ₹75 lacs

RR + 2.80% (8.20%) - RR + 3.70% (9.10%)

Leave Your Question


After taking into account a number of variables, including your monthly income, your monthly debt commitments, your present age, and your retirement age, among others, your eligibility is evaluated.

The amount of the loan, the tenure of the loan, and the interest rate are used to determine the EMI.

An interest rate that fluctuates is connected to a benchmark rate. Home loans from banks with floating interest rates are correlated to external benchmark rates by RBI standards. The floating interest rate offered by ICICI Bank is based on the repo rate that the RBI declares. Therefore, the interest rate on your home loan varies in accordance with the repo rate. As a result, depending on the change in the interest rate, your loan's EMI or term may increase or decrease.

The ICICI Bank Home Loans processing fee is 0.50% of the loan amount.

The repayment tenure for your ICICI Bank Home Loans can go up to 30 years.