ICICI Bank Home Loan
ICICI Bank Home Loan
ICICI Bank Home Loan
Doorstep Support & Local Language
We're here to meet you where you are, in your language.
Works for Salaried & Self-Employed
Salaried or self-employed, we'll find the right loan for you.
Pan-India Reach
We serve customers in every corner of India, across tier 1, 2, and 3 cities.
Dedicated Relationship Manager
Get guidance from a dedicated expert, not a call centre.
ICICI Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
ICICI Bank Home Loan Key Highlights
Loan Amount Based on the eligibility of the loan applicant
Rate of Interest 7.65% p.a. onwards
RPLR: NIL
Processing Fee 0.50%
Maximum Tenure for Repayment 30 years
Penal Rate of Interest NIL
Rate Packages NIL
Charges for Prepayment/Foreclosure NIL
ICICI Bank Home Loan Interest Rates in 2026
ICICI offers an attractive rate of interest starting at 7.65% per annum. ICICI bank home loan interest rate varies as per the bank's different loan slabs for salaried and self-employed individuals, as represented in the table below:
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Up to Rs. 35 lakhs (Salaried Individuals) | 9.25% - 9.65% p.a |
| Up to Rs. 35 lakhs (Self-Employed Individuals) | 9.40% - 9.80% p.a. |
| Rs. 35 lakhs to Rs. 75 lakhs (Salaried Individuals) | 9.50% - 9.80% p.a. |
| Rs. 35 lakhs to Rs. 75 lakhs (Self-Employed Individuals) | 9.65% - 9.95% p.a. |
| Over Rs. 75 lakhs (Salaried Individuals) | 9.60% - 9.90% p.a. |
| Over Rs. 75 lakhs (Self-Employed Individuals) | 9.75% - 10.05% p.a. |
ICICI Bank Home Loan Eligibility Criteria
For Salaried Individuals
Age Range (in years)
18-65
Nationality
Indian Resident or NRI
Minimum Income Earned
NIL
For Self-Employed Individuals
Age Range (in years)
18-65
Nationality
Indian Resident or NRI
Minimum Income Earned
NIL
ICICI Bank Home Loan Processing Fee and Charges
Processing fee refers to the amount that a bank charges its customers as a cost for processing the application for a home loan. The table below enlists the ICICI home loan processing fee:
| Charge Type | Amount / Details |
| Charges for Loan Processing/Loan Renewal | 0.50% |
| Late Payment Charges | For home loan: 2% for every month For home overdraft: 1.5% of unpaid amount, min. Rs. 500/-, max. Rs. 5,000/- |
| Charges for Repayment Mode Swap | Rs. 500 |
| Charges for Cheque Bounce | Rs. 500 |
| Charges for Revalidation of NOC | Rs. 100 |
| Charges for CIBIL Report | Rs. 50 |
| Charges for Prepayment | For non-individual applicants or co-applicants: 2% on unpaid principal on full repayment of top-up loan For floating interest rate ICICI home loans: 0 |
| Charges for Conversion into ICICI home loans | Floating to dual fixed: 0.5% of unpaid principal Dual fixed to floating: 0.5% of unpaid principal Lifetime fixed to floating: 1.75% of unpaid principal |
| Charges for Retrieval of Documents | Rs. 500 |
| Charges for Duplicate NOC/No-Dues Certificate | Rs. 100 |
| Administrative Charges | Rs. 5,000 |
| Repossession, Legal, and Incidental Charges | At actuals |
ICICI Bank Home Loan Schemes and Top Plans
ICICI offers a wide array of home loan options to its privileged customers, both salaried and self-employed, at floating interest rates. Given below are the top 5 home loan schemes available at ICICI Bank, with their key features:
- Loan tenure extended up to a total of 30 years, enabling convenient repayment by the borrower
- ICICI offers competitive rates on fixed and floating-interest loan schemes
- EMI is relatively low at Rs. 808 per lakh
- Loan facility that does not require any document submission for approval
- Loan amount up to Rs. 1 crore are pre-approved by the bank and exclusively available for customers who have a salary account with ICICI
- Processing fee for loan application offered at discounted rates
- Minimum Rs. 20,000 monthly income is required to avail of the loan facility
- Ideal for young professional individuals earning an adequate income every month
- Total loan tenure up to 20 years
- ICICI has a tie-up with PMAY under which the bank offers the Credit Linked Scheme or CLSS to certain eligible beneficiaries, such as Low Income Group (LIG), Economically Weaker Section (EWS), Middle Income Group–I (MIG-I), MIG-II
- CLSS can be offered for building or buying a new house/property
- It can also be availed for making improvements/alterations in an existing property, such as expanding/extending its space
- Offered at competitive interest rates
- The bank charges a processing fee of up to 2% of the loan amount (exclusive of applicable taxes) for processing the loan application
- No charges incurred on part-prepayment of the loan amount
- Interest rate is computed on a monthly reducing basis
* Note: All of the above home loan plans are made available to applicants solely at the discretion of ICICI Bank, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for ICICI Bank Home Loan
All individuals and professionals applying for a home loan with ICICI Bank must submit a set of documents, as demanded by the bank, at the time of loan application. Listed below is the complete set of ICICI bank home loan documents that salaried and self-employed applicants must submit.
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income |
|
| Other Required Documents |
|
| Identity & Address Proof |
|
| Documents Related to Property |
|
Apply Home Loan Through BASIC Home Loan
There's an easy way to apply for an ICICI home loan, which is listed below:
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
Our Expert Will Reach Out to You
A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
Talk to our Expert
- Neutral, AI-backed advice
- Compare 50+ lenders instantly
- Transparent process, Zero bias
By continuing, I agree with Basic Terms and Conditions and Privacy Policy
FAQ's
Ready to Find the Best-Fit Home Loan?
- Talk to Your Dedicated Loan Expert Today!
