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Personal Loan

Home Loan

How will I receive the interest subsidy benefit under Pradhan Mantri Awas Yojana?

The Bank will claim subsidy benefit for eligible borrowers from National Housing Bank (NHB). The NHB will conduct a due diligence to exclude claims where customer has submitted multiple request. For all eligible borrowers, the subsidy amount would be paid to the Bank. Once the Bank receives the interest subsidy, it will be credited upfront to the loan account. The subsidy will be calculated on Net Present Value (NPV) at 9% discount rate.


For example, the borrower avails a loan for Rs. 8 lakh and the subsidy works out to Rs. 2, 20,000. The amount (Rs. 2, 20,000) would be reduced upfront from the loan (i.e., the loan would reduce to Rs. 5, 80,000) and the borrower would pay EMIs on the reduced amount of Rs. 5, 80,000.


*The above example is for illustration purpose only and the subsidy amount will depend on the actual amount received or any changes done by NHB on the same.

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.

Who can avail Pradhan Mantri Awas Yojana Credit Linked Subsidy Scheme?

The "Credit Linked Subsidy Scheme” (CLSS) under Pradhan Mantri Awas Yojana (PMAY) was announced by our Honourable Prime Minister Shri Narendra Modi. Under this scheme, interest subsidy on purchase/ construction/ extension/ improvement of house is provided to customers belonging to Economical Weaker Section (EWS)/Lower Income Group (LIG)/Middle Income Group (MIG). For eligibility the beneficiary family should not have received central assistance under the Mission “Housing for all by 2022”.

A beneficiary is defined as:

  • A family comprising of husband, wife and unmarried children
  • Beneficiary can also be an unmarried individual earning member of the family (only for MIG scheme).
  • Beneficiary should not own a pucca house either in his / her name or in the name of any member of his / her family in any part of India.
  • Beneficiary should not have received central assistance under the CLSS scheme
  • Meeting income criteria defined as per various categories under the scheme.

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. 

Car Loan

Please click any of the links below or type your query if you don’t see the right option.

What is the procedure to prepay my Personal Loan?

For prepayment of your Personal Loan, please visit the nearest ICICI Bank Asset Servicing Branch. We request you to carry the following documents to complete the process:

  • Request Letter signed by the loan applicant
  • PAN Card (if the mode of payment is cash and the amount is more than Rs 50,000)
  • Payment can be made through cash, cheque or demand draft.

How will my Loan eligibility be assessed?

The loan eligibility of the applicant will be assessed based on internal guidelines and processes of the Bank as amended from time to time. As per the extant requirement, the borrower will be required to submit income documents like, salary slip, ITR, Bank statement, existing loan details etc for the purpose of eligibility assessment.

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.

Is there any loan amount limit on Pradhan Mantri Awas Yojana?

No, there is no loan amount limit for loan accounts which are booked under PMAY CLSS scheme.

How can I prepay my Personal Loan as I am unable to visit branch?

In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment. The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:

  • Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
  • Authorisation letter from main applicant.

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 .

PMAY subsidy is applicable for what category of customer profiles?

Pradhan Mantri Awas Yojana is available for Salaried as well as Self Employed

What is the maximum tenure on which the PMAY subsidy is applicable?

The Pradhan Mantri Awas Yojana is applicable for a maximum considered tenure of 20 years.

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 loan amount that can be sanctioned?

Based on your kind of business and your relationship with ICICI Bank, the final loan amount is decided.

To check your loan amount, please Click here

Where can I apply for Credit Linked Subsidy Scheme (CLSS)?

You can apply for Housing Loan under CLSS at any ICICI Bank branch.

What are the income norms for various categories?

The income norms for various Household categories are defined as under:

  • EWS households/individuals with an annual income up to Rs. 3.00 lakh
  • LIG households/individuals with an annual income more than Rs. 3.00 lakh and up to Rs. 6.00 lakh
  • MIG I households/individuals with an annual income more than Rs.6.00 lakh and up to Rs.12.00 lakh
  • MIG II households/individuals with an annual income more than Rs12.00 lakh to INR 18.00 lakh

What is Pradhan Mantri Awas Yojana (PMAY) Credit Linked Subsidy Scheme?

Credit Linked Subsidy, is a scheme launched by our Honourable Prime Minister Shri Narendra Modi for Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG – I & MIG –II). The beneficiary would be eligible for interest subsidy on purchase/construction of a house. The scheme is also available for enhancement of a dwelling unit.

When was the PMAY scheme launched by the government?

Pradhan Mantri Awas Yojana CLSS scheme for Middle Income Groups was launched by the Government on January 1, 2017.

Are there any additional eligibility norms apart from income, first pucca house and carpet area norms?

The property on which the subsidy is to be availed has to have basic amenities such as water, sanitation, sewerage, road, electricity etc.

Do you offer top up on existing Personal Loans?

We offer Top Up facility if you have paid 12 EMI on the existing Personal Loan. You can Place the request for Top up on existing Personal Loan through the following Channels:

Internet Banking

Log in to www.icicibank.com with your user ID and password--> Main Page --> Select Loans options in My Accounts --> Click on Apply for Loans --> Under Personal loan option - Click on Apply now --> Check the Eligibility and Click on Apply Now

Customer Care:

You may also call our Customer Care on 1860 120 7777  between 8:00 a.m. and 8:00 p.m.
To know the Customer Care numbers, we request you to click here

ICICI Bank branch :

Please visit the nearest ICICI Bank Loan servicing branch along with your valid ID proof, Address Proof, 3 Months bank statement in which his salary is credited, Latest 3 months Salary slips and Form -16 for the current / previous financial year.

We request you to look for the nearest ICICI Bank Loan Servicing Branch in our website: www.icicibank.com >> Find ATM/Branch.

How can I foreclose my Car Loan / Two Wheeler Loan?

To facilitate prepayment of your Car Loan / Two wheeler Loan , you are required to visit an ICICI Bank Asset Servicing (Retail asset operation group ) branch along with the below mentioned documents to complete the prepayment process:

  • Pre-payment Statement
  • Request letter signed by the loan applicant
  • Bank statement reflecting the clearance of the last installment
  • PAN Card (If the closing cash payment is more than Rs.50,000)
  • Vehicle Registration Certificate (R C Book Copy)
  • Vehicle Insurance Copy
  • Mode of payment can be cash, cheque or demand draft

What is MCLR?

MCLR stands for Marginal Cost of Funds based Lending Rate.

MCLR is the benchmark rate below which the banks cannot provide loans to the customers who are availing loans linked to MCLR. This new benchmark rate is applicable for new loans sanctioned from April 1, 2016 onwards.

Do I have to give any additional documents to avail Pradhan Mantri Awas Yojana subsidy?

No, there are no additional documents except a declaration of not owning a pucca house and annual household income.

Gold Loan

Please click any of the links below or type your query if you don’t see the right option.

What is the interest rate for Gold Loan?

ICICI Bank Gold Loans comes to you at attractive & competitive interest rates based on the prevalent market situation. Your rates will vary according to the product variants.

What is the applicable interest subsidy and the loan amount for various categories?

Eligibility Family Income (Rs.)EWS – Rs. 0 to Rs. 3, 00,000
LIG – Rs. 3,00,001 to Rs. 6,00,000
Rs.12,00,001 to
Rs. 6,00,001 to
Carpet Area-Max (sq. m.)30 sqm** / 60 sqm**160200
Subsidy calculated on a max loan ofRs. 6,00,000Rs. 9,00,000Rs. 12,00,000
Interest Subsidy (%)6.504.003.00
Max Subsidy (Rs.)2.67 Lakh2.35 Lakh2.30 Lakh
Validity of scheme31 March 202231 March 201931 March 2019
Woman OwnershipMandatory*Non MandatoryNon Mandatory

What is the applicable interest subsidy and the loan amount for Pradhan Mantri Awas Yojana?

Beneficiaries of Economically Weaker section (EWS) and Low Income Group (LIG) seeking housing loans would be eligible for an interest subsidy at the rate of 6.5% for a tenure of 15 years or during tenure of loan whichever is lower on the initial Rs. 6 Lakh. Any additional loan/s beyond Rs. 6 Lakh, will be at nonsubsidised rate.