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Minimal documentation

Minimal documentation

Hassle-free documentation process

Eligibility criteria

Eligibility criteria

Minimum eligibility is 21 years

Balance Transfer facility

Balance Transfer facility

Balance Transfer from all Banks, HFCs & NBFCs

Loan amount & tenure

Loan amount & tenure

Avail loan up to ₹50 Lakh and tenure up to 20 Years

THE ELIGIBILITY CRITERIA OF AN INDIVIDUAL TO AVAIL ICICI BANK PRATHAM LOANS DEPEND ON THE FOLLOWING FACTORS

Loan Amount Rs 5 lakh – Rs 50 lakh
Loan type Pratham Home Loans
Eligible profiles Minimum: 21 Years
Maximum: 70 Years
Eligible profiles Salaried & Self-Employed
Tenure Up to 20 Years

Salaried Borrower

Slab Floating Interest Rate
Up to 35L 1 MCLR - 1Y + 1.35 %
More than 35L 1 MCLR - 1Y + 2.05 %

 

Self - Employed Borrower

 
Slab Floating Interest Rate
Up to 35L 1 MCLR - 1Y + 1.60 %
More than 35L 1 MCLR - 1Y + 2.75 %

Final rate is I-MCLR + margin where I-MCLR is 8.55%

*Valid till September 30, 2019.

 

Documents Required


Following are all the documents required while availing the Pratham home loans:

Documents Required Salaried Self-Employed Self-Employed Professional
KYC and other documents required for all categories
Application Form with photograph duly signed
Identity, residence and age proof
Processing fee cheque
Office address proof -
Copy of title documents for the property being mortgaged
Proof of business stability/existence -
Business profile -

 

 

Income documents required
For Salaried: Latest 6 months’ bank statement
For Self Employed: Latest 12 months’ bank statement of the main operating account
Latest 3 months’ salary slips / salary certificate / ITR - -
Form 16 - - -
Educational qualification certificate - -
Latest 3 years’ Financials –
a) Computation of Income
b) Balance Sheet and Profit & Loss Accoun (with Schedules and Audit Report) – Audited or CA certified
- - -
RTR for existing loans for last 12 months

NEED ASSISTANCE?

Leave your details or give missed call to below number and we will get back to you

    Missed call number 9022499400

    Email us : customer.care@icicibank.com

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Frequently Asked Questions (FAQs)

Pratham Home Loans can be availed by salaried employees with a minimum salary of ₹10,000 per month and by self-employed borrowers with a business vintage of 5 years.

Pratham loans can be availed for Home Loan (HL), Home Improvement Loan, Non Residential Premises (NRP) Loan and Balance Transfer of HL / NRP

The loan amount limit for Pratham Home Loans ranges between ₹5 Lakh and ₹50 Lakh.