Home Overdraft

ICICI Bank Home Overdraft is a one stop solution for all your funding requirements. It is a multipurpose* long tenure facility which gives you quick access to funds to manage your planned and unplanned expenses.

Overdraft facility can be availed against your residential, commercial or specialized properties. You can also avail the facility as a top up on your existing Home Loan, Loan Against Property or a Loan against Rent Receivables and enjoy the flexibility of withdrawing funds as and when you need

It provides you a flexibility of utilizing the limit as per your requirement and thereby reduce your expenses by paying interest only on utilized amount

* Overdraft facility not to be used for speculative or restricted purposes

  For details, give us a missed call on 9022499400

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Prominent features of ICICI Bank Home Overdraft

The key product norms for ICICI Bank Home Overdraft depends on following factors

Loan Amount Rs 5 lakh – Rs 5 crore*
Loan type Overdraft facility with Loan Against Property, Loan Against Receivables & Top Up Loans
Eligible profiles All
Eligible Entities Proprietorship, Partnership, LLPs, Private Limited Companies, Listed Public Limited Companies, Closely Held Limited Companies, Trusts and Societies
End use Business and Personal Utility


*Note- Loan amount may vary depending upon the profile (Salaried/Self Employed) of a customer

Frequently Asked Questions (FAQs) for ICICI Bank Home Overdraft

Will the Rate of Interest on the Home Overdraft be the same as Term Loan?

No, the interest rate will be 0.25% higher than the Term Loan attached to it

How much loan amount is offered under Home Overdraft product?

Loan amount may vary depending the profile type of Customer.

I am an existing ICICI Bank Home Loan customer. Can I take Home Overdraft?

Yes, an existing Loan customers can avail of this product in the form of Top Up over existing loan.

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