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NRI Home Loan

At ICICI Bank, you can get a wide range of Home Loans for purchasing, constructing, repairing or redecorating your home thus providing a one-stop solution for your Home Loan needs. We offer affordable Home Loan at attractive interest rates and flexible tenure.

Apply for a Home Loan online, conveniently from your home or office overseas. Avail digital sanction in 5 simple steps through Express Home Loan, a self-service digital platform for our existing as well as new non ICICI Bank customers.

NRI Home Loan EMI Calculator

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*30 years tenure is available for NRI/OCI salaried customer residing in USA, UK, Canada, Singapore or seafarer


Step 1


Fill up your basic & income details


Step 2


Check & accept offer


Step 3


Payment of Processing Fee


Step 4


Upload KYC & income documents.


Step 5


Download provisional sanction letter*



TnC *This is only a provisional offer, in principle approval will only be after loan application is assessed by our credit manager. 



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NRI Home Loan Eligibility

Age Minimum: 21 Years
Maximum: 65 Years or retirement age whichever is earlier at the time of maturity of loan.
Eligible profiles Salaried: Minimum 1 year of employment overseas
Self-Employed:Minimum 3 years in current business overseas
Tenure Home Loan: 30 Years
Home Improvement Loan: 15 Years
Land Loan: 20 Years
Minimum Income
Country/Employment Type
Merchant Navy
Other than Merchant Navy
26000 USD
84000 AED
Other Countries
26000 USD
42000 USD
Interest Rate
To know more Click here

Documents required for NRI Home Loan

Sr No      Document Type     Salaried    Self-employed
Duly signed application form with passport size Photograph
(Applicable only if loan is applied in physical mode)
KYC documents :
  • Identity Proof : Valid Passport
  • NRI Status Proof: Valid work visa/Residence permit/permanent citizen card.OCI card (applicable for OCIs only). In absence of OCI card, OCI declaration in ICICI Bank’s format to be submitted.
  • Overseas Address Proof
  • Indian Address Proof: (Proof is required only if selected as mailing/communication address)
  • PAN card: in absence of PAN number, FORM60 to be submitted
Income proof:
  • Latest 2 month’s Salary/Wage Slips Or Salary Certificate
Income proof:
  • Latest 3 months overseas bank statement with salary credit

Business proof
  • Latest 3 Year audited/CA certified /CPA compiled/reviewed P&L accounts & Balance sheet (along with schedule)
  • Latest 3 Year IT returns & computation of Income
  • Copy of Incorporation of business(Equivalent to memorandum of association and article of association)
  • Latest 6 months overseas operative bank statements
  • Incorporation Certificate/ Company registration certificate
  • Office Address Proof
  • List of director and shareholding pattern
Overseas Credit Bureau Report

(Must reflect credit score & repayment history of overseas loans & credit card and not older than 45 days )

(Applicable for USA, Canada, UK, Singapore, Hong Kong , Germany, Kuwait , Saudi Arabia , Bahrain , Qatar, UAE, Oman, New Zealand, South Africa, Australia, Ireland)
Additional Document only required for Balance Transfer:
Last 1 Year Bank statement through which EMI is getting debited or statement of loan account
Disclaimer: This is an indicative list only. Additional documents may be asked for on a case-to-case basis..

NRI Home Loan FAQ's

Yes. An NRI/OCI individual can apply for Home Loan in India.

As an NRI/OCI customer if you are applying through offline mode, you are required to be physically present in India and submit a signed physical application form along with self-attested KYC & income documents.

As an NRI/OCI customer if you are applying through online mode, you are required to upload a scanned copy of the original documents. In ICICI Bank, we have our online digital platform, Express Home Loan (EHL) through which our NRI/OCI salaried customers can apply. You can start the journey as either ‘New to Bank’ customer or ‘Existing customer'. Click here to start your mortgage loan application.

Yes. PIOs can apply for a Home Loan in India.