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ICICI Home Loan for Senior Citizens

ICICI Home Loan for Senior Citizens

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Banks might hesitate to loan senior citizens due to concerns about repayment capabilities. Factors such as fixed incomes or potential health issues could be considered risks in ensuring timely repayment. However, ICICI Bank is there to help seniors get their dream home. ICICI offers home loans for seniors; special programs like Apna Ghar are available for customers. The bank will support you if your dream home takes you into gated communities, gram panchayats, and regularised colonies. Moreover, Urban Money has excellent resources that will assist you in making a smooth loan sanction experience.

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Table of Content

1. ICICI Home Loan for Senior Citizens Highlights

2. ICICI Home Loan for Senior Citizens Fees and Charges

3. ICICI Home Loan for Senior Citizen Documents Required

4. ICICI Home Loan for Senior Citizen Eligibility Criteria

Written By

Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 3 December 2025

ICICI Home Loan for Senior Citizens – Highlights

Features	ICICI Home Loan for Senior Citizens
Interest Rate	From 9.00 % p.a onwards
Loan Amount	Up to Rs 3 crore
Repayment Tenure	Up to 30 years
Additional Benefits	Flexible eligibility norms Subsidy benefits of up to 2.67 lakhs Quick loan disbursal
Balance Transfer facility	Reduce your EMI burden if you are repaying an additional home loan.

ICICI Home Loan for Senior Citizens – Fees and Charges

Customers applying for an ICICI Home Loan for Senior Citizens can expect the following fees and charges.

Loan processing fee (non-refundable): 0.50% to 2.00% of the loan amount or Rs.3000/-, whichever is higher, plus applicable taxes and other statutory charges.
Management fee: Applicable tax of 0.25% of facility value or Rs.5000/- whichever is less.

ICICI Home Loan for Senior Citizen – Documents Required

On top of the personal identification and residence proof, applicants must provide the following documents for a successful application for an ICICI home loan for senior citizens.

For purchase of builder property

Sale agreement
No Objection Certificate from the builder
Letter from the builder with construction progress status
Original Own Contribution receipt & bank clearance
Registered Sale Deed
Completion/Occupancy Certificate
A demand letter from the builder

Moreover, for self-construction, applicants must provide documents like an original registered sale deed/lease, deed/partition deed/gift deed, approved building plans, tax receipt, etc.

ICICI Home Loan for Senior Citizen – Eligibility Criteria

The borrower should be a select/premium salary account holder of ICICI Bank. To qualify for the loan, the borrower must be an Indian citizen aged at least 60 and own a self-occupied residential property in India with a clear title and a residual life of at least 20 years. Married couples can jointly apply if one spouse is over 60 and the other is above 55.

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