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Eligibility calculator

Eligibility calculator

ICICI Bank Home Loan


ICICI Bank Home Loan is the one-stop solution for acquiring your dream home. The ICICI Home Loan has many interesting features, like low-interest rates, minimal documentation, and long repayment tenure. The ICICI Home Loan has been designed to suit your needs in buying your dream house.

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Interest Rate

Processing Fee


Loan Amount/Tenure

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ICICI Bank Home Loan Interest Rate

ICICI Bank Home Loan

9.25% - 10.05%



₹3L - ₹75L

Tenure(5 - 30 Years)


Features and Benefits of ICICI Bank Home Loan

Given below are some of the features and benefits of an ICICI Bank home loan:

  • There are no foreclosure or prepayment charges for floating interest rate home loans.
  • You can track your loan application status using the Trackmyloan Application option on the official website.
  • Fast and hassle free processing.
  • Premium banking customers get special benefits.
  • ICICI bank offers an option of repaying in smaller installments and then gradually stepping up over a 30 year tenure.
  • Affordable interest rates.
  • Multiple home loan products to meet every requirement.
  • Transfer home loan from another bank to ICICI for lower interest rates.

ICICI Bank Home Loan Overview

ICICI Bank is one of the leading banking service providers in the country, offering home loans with reasonable interest rates and flexible loan tenure. It offers home loan products with interest rates starting at 8.85% p.a. Additionally, the bank also offers lenient repayment tenure of upto 30 years. Depending on the applicant’s eligibility, ICICI bank sanctions loans of upto Rs. 75 lakhs. 

  • Affordable interest rates
  • Quick and hassle-free loan disbursal
  • Flexible repayment schedule

ICICI Bank Home Loan Eligibility Criteria

  • Any salaried individual in the 21 to 60 years age group and self-employed individual in the 21 to 65 years age group are eligible to avail an ICICI bank home loan.
  • New and existing customers.
  • Indian citizens.

ICICI Bank Home Loan Fees and Charges

The below given table shows the various fees and charges associated with ICICI Bank home loans: 

Category Fees
Loan Processing Charges / Renewal Charges (Non Refundable) 0.5% to 2% of the approved loan amount
Prepayment Charges
  • Nil on repayment of loan with floating interest rates
  • 2% + applicable taxes on full repayment of loan
Late Payment Charges 2% per month
Cheque/AD/ECS bounce charges Rs. 500/-
Administrative charges Rs. 5000
Cash transaction charge for repayment of EMI dues at bank branches Rs. 100

Documents Required for ICICI Bank Home Loan

Given below are the documents required to avail a home loan from ICICI bank:

Salaried Applicants

Completed application form with photograph Salary slips from the previous 3 months
Age, identity and address proof documents Cheque for processing fee
Bank statements from the last 6 months ITR or Form 16

Self-Employed Professionals

Completed and duly signed application form with photograph Form 16 or ITR
Age, residence and identity proof documents ITR from previous 3 financial years with income computation
Bank statements from the previous 6 months Education qualification certificate
Cheque for processing fee amount Audited balance sheet from the previous 3 financial years

Self-Employed Non-Professional

Completed and duly attested application form with photograph ITR or Form 16
Residence, age and identity proof documents Business Profile
Bank statements from the previous 6 months ITR with income computation from previous 3 financial years
Cheque for processing fee amount Audited balance sheet from the previous 3 financial years

ICICI Bank Customer Care Details

The table given below shows how you can contact ICICI Bank customer care: 
Phone Number 1860 120 7777
E-Mail Address customer.care@icicibank.com
By Post ICICI Bank Limited ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032.


From refinancing to reducing your interest, we have the answers right here.

How do I apply for an ICICI Bank home loan?

You can apply for an ICICI Bank home loan on the bank’s official website. Alternatively, you can also apply for a home loan by visiting your nearest ICICI Bank branch.

What are the basic parameters for determining ICICI Bank home loan eligibility?

ICICI Bank determines your home loan eligibility based on several factors like income, existing obligations, age, potential retirement age, etc.

What is the floating interest rate?

A floating rate of interest is linked to the market benchmark rate. The ICICI Bank home loan interest rate is linked to Repo Rate which is decided by the Reserve Bank of India. This means that the interest rate changes with any change in the Repo Rate.

Are there any tax benefits of ICICI Bank Home Loan?

Yes, you can claim tax benefits with respect to the repayment of principal and interest amounts. The limit of deductions on such amounts are dictated under the Income Tax Act.

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