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Home Loan

Can I close my home loan? What are the charges for prepaying my loan?


The prepayment charges are as under:

  1. Nil for Home Loans and Home Improvement Loans with floating rate of interest.
  2. 2% plus applicable taxes on principal outstanding* on full repayment for Home Loans with fixed rate of interest.
  3. 2% plus applicable taxes on principal outstanding* on full repayment for Home Loan Top Up loan if the applicant or co-applicant is Non Individual.
  4. 4% plus applicable taxes on principal outstanding* where loan** is given to Non Individual borrowers or with fixed rate of interest to Individual borrowers. If the loan is sanctioned prior to March 1, 2011 then prepayment charges would be 2% plus applicable taxes.

*Current principal outstanding and all amounts tendered by the borrower towards prepayment of the Facility during the last one year from the date of final prepayment.

**Home Equity Loan/Home Equity Enhancement Loan, Office Premises Loan and Lease Rental Discounting Loan.

Can I make a part pre-payment on my Home Loan Account through NEFT with ICICI Bank?


Yes, ICICI Bank accepts part payment of your home loan through National Electronic Funds Transfer (NEFT). In case you want to make a part payment on your home loan account through NEFT, you need to visit the nearest ICICI Bank Asset Servicing Branch. The Service Request number received at the branch must be mentioned in the remarks column in the NEFT form while making part payment through NEFT. Please note that NEFT transactions with invalid request numbers will be rejected. 

How can I view and download Home Loan Statement


View and download your Home Loans statement, Income Tax (IT) Certificate, Provisional Income Tax Certificate and Final Income Tax Certificate – Authenticate with your account details

View Statement

If your Home Loans Account is linked to your Internet Banking User ID, Login with your User ID and Password to view your Home Loans account details and statement. You can also download the Home Loans statement.


What is the minimum part pre-payment amount that I need to pay when I take a home loan?


The minimum part pre-payment amount should be an amount equivalent to 1 EMI.

If I opt to increase my EMI, can I decrease the EMI in the future?


The EMI once increased will not be decreased at a later date except in case of Part Pre-payment/ Conversion. You may visit to nearest ICICI Bank loan branch for further assistance.

To locate the nearest ICICI Bank Branch, visit maps.icicibank.com/mobile .

How can I apply for a home loan?


Applying for ICICI Bank Home Loan, Balance Transfer of your existing home loan, Personal Loan Linked to Home Loan (Top up), Loan Against Property, and other loan requirements is easy.

Existing Customers
If you are already an ICICI Bank customer, we recommend you to check whether you already have an approved loan offer.

Customers availing an approved loan, need to provide fewer documents for their loan processing.


New Customers
If you are new to ICICI Bank, please apply here for instant e-approval of your loan and experience enhanced service.

Apply now   Check Eligibility

What are the Interest Rates for Home Loan?


ICICI bank offers Home loan at very attractive rates.  Click Here to check interest rates offered by ICICI Bank.

What is the process to get the sanction letter for my home loan?


You can make a request to send the copy of the sanction letter for your home loan through any of the following channels:

Customer Care:
You may call our Customer Care from your registered mobile number. To know the local Customer Care numbers, please click on the below mentioned link.


ICICI Bank branch:
You may visit the nearest ICICI Bank Asset Servicing Branch and speak to our Customer Service Manager regarding the request to send the copy of sanction letter for the home loan.

You may look for the nearest ICICI Bank Asset Servicing Branch on our website www.icicibank.com > Find ATM/Branch.

Home Loan EMI Calculator


With lower EMIs, ICICI Bank Home Loans are light on your wallet. Lower interest rate and repayment tenure of up to 30 years ensure a comfortable EMI for you during the entire loan tenure. You can estimate your EMI by using our feature rich Home Loan EMI Calculator.

To reduce the EMI burden of a home loan that you have already taken from another bank or Non-Banking Financial Company (NBFC), apply here for balance transfer and save money.

Opting for auto-debit facility on ICICI Bank Savings Account for paying ICICI Bank Home Loan EMI, earns you reward points that can be redeemed against exciting rewards from our partners.

Calculate EMI


How do I repay the Home loan?


Repayment is done in equated monthly instalments (EMIs), and includes interest and principal amount calculated on monthly rests. You can pay EMIs by issuing post-dated cheques from your NRE / NRO account, or any other account approved by the Reserve Bank of India (RBI). In the case of part-disbursement of the loan, the monthly interest is payable only on the disbursed amount. This is called pre-EMI interest, and is payable monthly till the final disbursement is made, after which EMIs will commence.

What is the process for express home loans?


Please find below the process for express home loans:

  • Step 1 - Enter inputs for generating the loan offer
    The customer provides and enters basic information on the platform to generate the loan offer. Details to be provided:
    City in which property is based, purpose of loan, Property details, where the customer currently resides, customer's date of birth, type of employment, income details, age of retirement and current obligations
  • Step 2 - Check home loan offer
    The platform calculates multiple home loan offers for the customer. Customer selects the loan amount required and applies for the offer that best suits his/her requirement.
  • Step 3 - Fill online application form
    Customer fills the application form online by providing the applicant and co-applicant details as required and submits the application.
  • Step 4 - Upload Documents Online
    A reference number is generated for the online application and customer is provided an option to upload the documents online. Customer uploads KYC and income documents for the applicant and co-applicant as required.
    The application and documents submitted are assessed by ICICI Bank Credit Manager and the loan is approved appropriately.

What is the process for deletion/ change of co-applicant name for a home loan account?


To delete/ change co-applicant name in the home loan account, you may visit the nearest ICICI Bank Asset Servicing Branch and speak to our Customer Service Manager regarding the addition of co-applicant name in the home loan account.

You may look for the nearest ICICI Bank Asset Servicing Branch on our website www.icicibank.com > Find ATM/Branch.

Who can avail a home loan?


Top-up loan can be availed only during the secondary tenure of the home loan.

What are the benefits for express home loans?


Benefits for express home loans:

  • Case approvals within 8 working hours once the customer uploads the complete documents
  • No physical pickup of documents before case approval
  • The customer receives a 'sanction letter' as against an 'offer letter' which is issued by competition.

What are the key features and benefits of 30-year home loans?


The key features and benefits of 30-year home loans are:

The customer’s loan eligibility is enhanced with the higher tenure and he/ she can avail a higher loan amount on the same EMI outflow Dual benefit of higher tenure and discounted rates for Woman Borrower Loans. The woman should be the first applicant in the home loan and a co-owner in the property.

What is the maximum age for availing a home loan?


The maximum age at application for home loans is 40 years.

What are the conditions for offering 30-year tenure home loans?


The conditions for offering 30-year tenure home loans are as follows:

  • Applicant’s age is up to 30 years
    For age beyond 30 years, proportional tenure can be offered - e.g. If the applicant is 35 years old and retirement age is 60 years, he can be offered a tenure of (60-35) 25 years
  • Applicant is an employee of:-
    Specified list of companies - Elite, Super prime and
    Preferred list of companies
    Government or semi-government organisations
    Women borrower loans irrespective of employment.