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ICICI Saral Rural Housing Loan Scheme

ICICI Saral Rural Housing Loan Scheme

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While a woman residing in a metropolitan city, with a stable job and financial security, can easily sanction a loan from a bank, what about those living in rural areas? For rural women, it proves challenging to apply for and, more importantly, repay a loan. This difficulty is not limited to women alone; even men residing in rural areas face problems in acquiring and repaying loans.

To address this issue, ICICI Bank, India’s largest private sector bank, has introduced the “Saral Rural Housing Loan.” It was launched on August 10, 2015. This innovative home loan offering comes with a special interest rate specifically designed for rural areas, benefiting women borrowers and individuals from economically weaker sections. The Saral Rural Housing Loan from ICICI Bank also provides credit facilities for customers looking to own, construct, repair, renovate, or upgrade a house in a rural area.

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Table of Content

1. ICICI Saral Rural Housing Loan Features and Benefits

2. ICICI Saral Rural Housing Loan Interest Rates

3. ICICI Saral Rural Housing Loan Eligibility Criteria

4. ICICI Saral Rural Housing Loan Documents Required

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

Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

Last Updated: 3 December 2025

ICICI Saral Rural Housing Loan – Features and Benefits

FEATURES	BENEFITS
Special Interest Rate	Offered at the ICICI Bank Base Rate
Loan Amount	Ranges from Rs 5 lacs to Rs 15 lacs
Loan Tenure	Flexible duration from 3 to 20 years
Target Audience	Focused on rural areas, including women borrowers and weaker sections of society

ICICI Saral Rural Housing Loan Interest Rates

ICICI Saral Rural Housing Loan Scheme interest rate is now offering home loans at the I-Base, which stands at 9.70%, to applicants from rural areas, including women borrowers and individuals from weaker sections.

ICICI Saral Rural Housing Loan – Eligibility Criteria

The income criteria for ICICI Saral Rural Housing Loan Scheme dictates that EWS households should earn no more than Rs.3 lacs per year.

ICICI Saral Rural Housing Loan – Documents Required

Proof of identity (like Aadhar, PAN card, passport, etc.)
Proof of residence (utility bills, passport, etc.)
Recent salary slips or proof of income
Bank account statements
Property-related documents

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