Mortgage Loan Options

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Home Loan

We offer a host of Home Loan options that can be tailor made to suite
individual needs. With advantages like simplified documentation, usage of tablet
and smartphones, getting a home loan sanctioned has become very easy.



  • Attractive floating and fixed interest rates options
  • Higher Loan Eligibility
  • Longer tenure and lower EMI
  • Loan sanction possible before selecting the property
  • Doorstep service
  • Simplified documentation

ICICI Bank Extraa Home Loans

Extra Home Loans

ICICI Bank Extraa Home Loans allow you to enhance your loan amount by up to 20% and also provide you an option to extend the repayment period up to 67 years of age. This facility provides the dual advantage of improved affordability and a longer repayment period.


ICICI Bank Pragati Home Loans

Pragati Home Loan

Witness your dream of owning a house turn into reality with ICICI Bank Pragati Home Loans. Home Loans offered to affordable housing segment.



Pradhan Mantri Awas Yojna

ICICI Bank is pleased to offer "Credit Linked Subsidy Scheme" for EWS and LIG categories under Pradhan Mantri Awas Yojana. The scheme was announced by our honourable Prime Minister Narendra Modi and envisages the vision of housing for all by the year 2022.


Balance Transfer

Balance Transfer

Lower your EMI burden by transferring your existing home loan to ICICI Bank!


You can transfer your existing Home Loan from other Banks and Non Banking
Financial Companies (NBFCs) to ICICI Bank and enjoy long term savings.


Key Features:

  • Attractive interest rate
  • Simplified documentation
  • Additional top-up loan amount up to 100% of the original home loan.
    Terms and Conditions apply.


Top Up Loan linked to Home Loan

ICICI Bank Top Up Loan linked to Home Loan is a unique Top Up product, which can be used by ICICI Bank Home Loans customers for fulfilling their personal and business requirements. It is a kind of Top-up loan that can be availed by home loans customers against their property and can be used to fulfil their immediate needs. Further, since the tenure of the loan is the same as the existing home loan tenure, payment of EMIs becomes easy.


Key Features

  • Loan amount of up to 100% of original loan amount. Terms and Conditions apply
  • Loan at attractive rate of interest.
  • Simple documentation process for existing customers


Balance Transfer and Top Up

This product combines the benefits of Balance Transfer and Top Up products. You can opt for top up loan at the time of doing a balance transfer.


Key Features

  • Loan amount of up to 100% of original loan amount. Terms and Conditions apply
  • Loan at attractive rate of interest
  • Simple documentation process for existing customers


ICICI Bank Saral Rural Housing Loan

ICICI Bank Saral Rural Housing Loan is designed to empower the women borrower and weaker section to realise their dream of owning a home.


Home Improvement Loan

Home Improvement Loan is offered to facilitate improvement of a self-owned dwelling unit to existing or new customers. Thus, you can add or improve facilities in your dwelling unit through a loan at lower rate of interest.


Loan Against Property

Loan against Property

Loan Against Property is the perfect way to unlock the hidden value of your property. This multi-purpose loan puts funds at your disposal to use as per your wish.


And the best part is that the loan is available at a reasonable rate which makes it easy to repay comfortably over as many as 15 years.


Loan Against Property can be used for many purposes such as for the expansion of your business, children's marriage, for higher studies, funding a dream vacation, etc.


Lease Rental Discounting

Lease Rental Discounting helps you to raise funds against future expected rentals of self-owned commercial property. The property should be occupied by the Lessee. Similar to Home Equity Loans, LRD can be provided for various personal requirements of the customer such as marriage, children's education, business expansion, purchase of property (Where mortgage is not possible), etc.


Office Premises Loan ( Non Residential Property)

A self-employed businessman or professional needs a permanent address to set up his business. ICICI Bank's Non-Residential Premises Loans makes it easy and convenient to do that. The loan covers purchase, construction, extension and improvement of your customer’s office premises. The loan may also be packaged to include the estimated renovation expenses.


Land Loan

Our land loans provide you an opportunity to purchase a residential plot of land for self-construction. You can choose to invest in a residential plot of land today and plan for a self-construction in future. However, the construction of property has to be completed within two years from the date of first disbursement of the loan.


The land loan can be financed only within municipal limits of hub locations or in case of direct allotment outside municipal limits by Development Authority.


Home Loans for Non Resident Indians

NRI Home loans

Home Loan

ICICI Bank offers attractive offers on Home Loans to NRIs and PIOs.


Key Highlights

  • Attractive interest rates on a monthly reducing basis
  • Choice from fixed and floating interest rates
  • Part–prepayment facility for zero fees
  • Free personal accident insurance to the extent of loan outstanding
  • Doorstep service in India till disbursement

Value Added Offerings

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  • Approved projects: Please click here to search projects approved by ICICI Bank
  • Pre-approved home loans: ICICI Bank customers may have a pre-approved home loan offer for them. Please click here to check your pre-approved offer and apply now
  • Home loan insurance: Please click here to know more about home loan insurance options offered by us