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Home Loan

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.


On what basis is the pre-approved loan amount decided for the particular customer?

Pre-approved Home Loan offers are generated on ICICI Bank customers basis combination of multiple financial parameters such as credit bureau checks, salary credits, average bank balances, etc.

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. 

What are the kind of charges/fees one needs to pay for while applying for the loans?

Under this product, we are offering a special flat processing fee of Rs <3,100> at time of sanction. For disbursement, normal fee will be collected for property and other checks. Processing fee chargeable will be displayed online while availing of sanction.

What is the validity of sanction letter availed under pre-approved Home Loan?

Sanction letter is valid for 6 months. During this time period you can avail disbursement

What is pre-approved Home Loan?

Pre-approved Home Loan is an exclusive Home Loan offer for ICICI Bank customers. With this offer, customers can avail of instant online sanction of their Home Loan for up to Rs 3 crore for 30 years. No documentation is required for sanction of this loan.

 Will there be a top-up facility available with this product?

Yes, customer availing of Home Loan under this product will be able to avail of top-up as per the policy of ICICI Bank.

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 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 .

What is the process for documentation and KYC related aspects of this product? Is it digital or a customer has to visit the local branch?

For availing of disbursement, customer can visit the nearest branch or contact the assigned Relationship Manager (RM) with the sanction letter and the documents of the home he/she wants to purchase. RM details will be mentioned in the sanction letter. Property checks and co-applicant addition will be done before disbursement.

How much time does it take under the Insta Banking initiative for the process of sanctioning and disbursement of loans?

As the name of the product states, sanction can be availed instantly by the customer within a few clicks. Disbursement process is the same. The customer saves 3-5 working days by availing of Instant Home Loan.

Will the Home Loan account be link to my Savings Account?

Yes, repayment of the loan has to be done through Savings Account.

What is the maximum loan amount under pre-approved Home Loan?

Maximum loan amount is Rs 3 crore. Click here bit.ly/PAHL2 to check offer loan amount.

What is the minimum and maximum tenure for the loan?

Tenure will be based on customer's age, subject to a maximum tenure of 30 years. The applicable tenure for the customer will be displayed while availing of sanction. Customer can also avail for lower tenure, if required.

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


Which kind of properties are accepted under this product (Under construction, Re-sale properties, etc.)?

This is a standard Home Loan product. Under this product, under construction/built up residential properties can be accepted as collateral. The construction has to be approved by authorised authority in the area.

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.

Can a person take a Home Loan for renovation/repairs through pre-approved Home Loan?   

Home Improvement Loan is based on the estimate based on cost of improvement to be approved by the bank. Home Improvement Loan cannot be sought under Instant Home Loan.

What is the facility of applying joint Home Loan through this product?

Yes, co-applicants will be added under this product before availing of disbursement.

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 rate of interest for pre-approved Home Loan?

Rate of interest is dependent on parameters such as CIBIL score, loan amount, etc. The rate of interest is displayed online when availing of the offer. Click here bit.ly/PAHL2 to check the rate of interest.

Can I take more loan than the loan offer under pre-approved Home Loan?

<10>% enhancement on offer can be done by Mortgage team. Contact your relationship manager for details.

Can sanctioning and disbursement of loans be done through iMobile?


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.

Do you provide Home Loans for NRIs through this product? What is the eligibility for an NRI seeking Home Loan through ICICI Bank?

Currently, this offer is only applicable to Indian residents.

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 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.