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Get Home Loan Online Up to ₹ 5 Crore*

ICICI Bank offering Home Loan up to Rs. 5 Crore* online with a competitive interest rate @ 8.75%* p.a. (applicable only to customers with Pre-approved Home Loan Offer). Get benefits with a hassle-free online application process, minimal documentation and instant provisional sanction. ICICI Bank offers flexible tenure options, ensuring convenient repayment. Secure the perfect Loan amount and embark on your homeownership journey with confidence. Trust ICICI Bank for a seamless and customer-friendly Home Loan experience.

Home Loan Calculators
  • EMI Calculator
    Check your monthly EMI

    Check your Home Loan eligibility

  • Balance Transfer Calculator

    Calculate your monthly savings


    Plan your finances for Home Loan

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Your Existing Home Loan
ICICI Bank Home Loan



Monthly EMI

You Save ₹10,201/month



Total Amount Paid
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Home Loan Eligibility

Determining your eligibility for a Home Loan is crucial before initiating the application process. This eligibility table will outline the key factors lenders consider, including income, credit score, employment status, age and property value, helping you assess your likelihood of approval and plan your home purchase journey effectively.

Eligibility Criteria

Salaried and Self-Employed

Income Criteria

Minimum salary for ICICI Bank Home Loan: Rs 25,000

Age Criteria

Minimum: 21 years, Maximum: 70 years

Loan Tenure

Up to 30 years

Loan Amount

No cap, depending on your eligibility



Home Loan Interest Rates & Charges

Explore Home Loan Interest Rates and Charges with the table given, outlining the costs and rates involved in securing your home financing.


Home Loan Interest Rate (Pre-approved Customers)

Pre-approved customers at ICICI Bank stand to benefit from preferential Home Loan rates, which are lower than standard rates. These rates are tailored to reward loyalty and financial stability


Current Home Loan Interest Rate

8.75%* p.a.


Special Home Loan Interest Rates

Special Home Loan interest rates, often lower than standard, are offered for a limited time or to eligible customers, serving as incentives or promotional offers. Below are the special Housing Loan interest rates:











Standard Home Loan Interest Rates

Standard Home Loan interest rates apply uniformly to all applicants, determined by market conditions and creditworthiness. Below are the standard Housing Loan interest rates:


Loan Slab



Up to ₹ 35 lakhs

9.25% - 9.65%

9.40% - 9.80%

₹ 35 lakhs to ₹ 75 lakhs

9.50% - 9.80%

9.65% - 9.95%

Above ₹ 75 lakhs

9.60% - 9.90%

9.75% -10.05%

Home Loan Fees & Charges

Processing Fees

0.50% of the loan amount+ AT*

Prepayment Charges


The above rates are linked to Repo Rate:

* Current Repo rate 6.50%.

* Valid till 31st July, 2024

Documents required to apply for a Home Loan

Here are mandatory documents required for home loan such as a proof of identity, a proof of address, a loan application form that has been duly filled and your financial documents. Below is the detailed list of documents required for home loan:

  • Submit your Aadhaar card, passport or driving licence for KYC
  • For address proof, your utility bills, or rent agreement with your current address works fine
  • *For income proof, ICICI Bank needs your salary slips, income tax returns or Form 16
  • Submit the title deeds of the property and construction approvals
  • **Prove your financial stability by submitting bank statements for the last 6 months
  • Provide your job offer or appointment letter for a stress-free experience
  • If applicable, submit your co-applicants’ documents for joint loan applications.


NOTE: No salary slip is required in case the customer has a salary account at ICICI Bank.

Features & Benefits of ICICI Bank Home Loan

Generous Loan Amount

Generous Loan Amount

ICICI Bank offers up to Rs 5 crore* Home Loan online, providing ample financing options for diverse housing needs.

Instant approval

Minimal Documentation

Our streamlined documentation process liberates you from excessive paperwork, accelerates approval and amplifies convenience for applicants.

Flexibility Tenure

Instant Provisional Sanction

With our Instant Provisional Sanction, applicants receive swift pre-approval, enabling confident home purchases with no delays, streamlining the buying process.

Online services

Flexible Tenure

Our Home Loan offers flexible tenure and repayment options, allowing borrowers to choose a schedule that suits their finances and preferences for affordability and convenience.

Minimum Documentation

No Foreclosure Charges

We offer early loan repayment without foreclosure charges, giving borrowers financial flexibility to clear debts ahead of schedule at no extra cost.


Competitive Fixed Interest Rates

Enjoy the security of stable fixed interest rates, ensuring predictable monthly repayments and peace of mind.

Maximising Your Home Loan Approval: Dos and Don'ts

Dos Don'ts

Investigate loan and property details thoroughly.

Avoid applying for a Home Loan on multiple aggregator sites to maintain approval chances.

Plan for unexpected expenses wisely.

Refrain from carrying excessive loans to maintain a favourable creditworthiness.

Keep all necessary paperwork organised.

Avoid overspending on Credit Cards or delaying loan repayments to prevent a negative impact on your credit score.

Improve your credit before applying for a Home Loan.

Don't commit to a Home Loan beyond your means to ensure manageable repayments.

Home Loan FAQs

What is a home loan?

A home loan is essentially a financing option where funds are provided to an individual or an entity for the purchase, construction, extension, or renovation of a residential or commercial property. Lenders provide funds upfront, and borrowers repay through monthly installments, usually over many years. It's crucial for prospective homeowners to understand the terms, interest rates, tenure, and eligibility criteria before applying.

Read Homebuyers Smartbook

How do I apply for a home loan?

You can apply for a home loan from ICICI Bank through our website Or, you could visit the nearest branch of ICICI Bank to submit your application for a loan.

Read Homebuyers Smartbook

What are the parameters for arriving at Housing Loan eligibility?

Home Loan eligibility is determined by factors like age, income, employment stability, credit score, existing financial obligations and nationality. For ICICI Bank, applicants aged 20-65 (salaried) or 21-70 (self-employed), with a minimum income of Rs 25,000, stable employment or business record, a good credit score of 700+, and Indian nationality are eligible. These parameters ensure a comprehensive assessment aligning with the bank's policies and regulations.

Read Homebuyers Smartbook

How is the Equated Monthly Instalment (EMI) for a home loan calculated?

The Home Loan EMI is calculated on the basis of specific factors like the amount of the loan, its tenure and the rate of interest.

What is Floating Rate of Interest on a Home Loan?

Floating Rate of Interest on a Home Loan means that the interest rate is not fixed and can change over time. The change takes place according to a benchmark rate/repo rate set by the Reserve Bank of India (RBI) that can impact your overall monthly EMIs. 

What is the meaning of a fixed rate of interest on a home loan?

A fixed rate of interest on a Housing loan means that the rate of interest does not change throughout the tenure of the loan. Regardless of market fluctuations, the borrower pays the same interest rate through the same equated monthly installments (EMIs) from the loan's inception to its conclusion. This stability provides predictability in monthly payments, allowing homeowners to plan their finances without being affected by interest rate variations in the market.

Is there any tax benefit available on home loans?

Yes, home loans offer tax benefits. You can claim the amount paid towards the repayment of the principal and the interest components as deductions in your income tax return. The limits on the amount deductible are governed by the applicable income tax laws.. In India, under Section 24(b), the interest paid on a home loan is eligible for deduction up to Rs 2 lakh per year. Additionally, under Section 80C, the principal repayment is eligible for a deduction of up to Rs 1.5 lakh. These tax benefits make home loans an attractive financial instrument, encouraging homeownership while providing potential savings on taxable income.

What are the Types of Housing Loans available in India?

In India, home or housing loans are diverse, tailored to specific needs.

  • Home Purchase Loans fund the acquisition of new or existing homes, while Home Improvement Loans facilitate renovations.
  • Home Construction Loans support building on owned land, and Home Extension Loans aid expansion. Land Loans target acquiring land for future construction.
  • Joint Home Loans involve shared liability among co-applicants.
  • Home Loan Balance Transfers allow shifting an existing loan to a new lender for improved terms.

Apart from these, ICICI Bank also offers Home Top Up Loans for increasing existing home loan amounts, Commercial Property Purchase Loans, Home Overdraft, Loans Against Property, and Money Saver Home Loans. This variety accommodates the multifaceted requirements of all types of borrowers.

Do I need a guarantor for a Home Loan?

For ICICI Bank, the requirement of a guarantor for a Home Loan hinges upon several factors, notably the applicant's creditworthiness, income stability and the loan amount. Generally, a guarantor may not be necessary if the borrower fulfils the eligibility criteria of ICICI Bank. However, if the applicant's financial profile falls below the bank's standards, a guarantor could be requested to ensure loan repayment.


ICICI Bank assesses each application on its merits. Hence, consulting directly with our representative is recommended for complete guidance on your Home Loan application.

How long does it take to get a Home Loan sanctioned?

At ICICI Bank, the duration for sanctioning a Home Loan varies depending on several factors, such as the applicant’s documentation accuracy, credit history, property evaluation and the applicant's credit score.

Generally, the process can take one to two weeks. ICICI Bank usually requires thorough verification of the applicant's financial documents, such as income proof, identity proof and property documents. The time taken for property valuation and legal checks also contributes to the overall processing time. Applicants should provide all necessary documents promptly to expedite the loan sanctioning process.

Value Added Services

Learn more about home loans!

Learn more about home loans!

Blogs, Videos and Tools curated just for you, to guide you through your home loan journey.

Track My Loan

Track my loan

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Check the status of your loan in an instant.

Owning your home is this easy

Owning your home is this easy

Choose your dream home from 48,000 approved properties with ICICI Bank’s list of approved projects

Resale Services

Resale Services

Do you want to buy a resale property?
We can assist you



Check Your CIBIL Score, Elevate Your Financial Potential with ICICI Bank, and Secure Better Opportunities for Financial Peace of Mind Today. 

Explore our unique Home Loan solutions

Express Home Loan

Express Home Loan

Get your home loan instantly with ICICI Bank Express Loans.

NRI Home Loan

NRI Home Loan

A unique loan for NRIs with low interest rate and special processing fees.

Balance Transfer Home Loan

Balance Transfer
Home Loan

Transfer your home loan conveniently and get lower interest rates.

Land Loan

Land Loan

Need to buy a plot for your unique vision? Get ICICI Bank Land Loan now!

Money Saver

Money Saver Home Loan

Pay reduced Interest On Your Home Loan

Step Up

Step Up Home Loan

Enhance your eligibility for your first Home Loan

Loan against property

Loan Against

Your property can help you fulfil your dreams. Avail a Loan Against Property, at lower interest rates

Home Overdraft

Home Overdraft

Withdraw your funds anytime and pay interest only on the utilized amount

Commercial property Loan

Commercial Property Purchase Loan

Loan For Purchase / Construction Of Commercial Property Up To 75%

Home Top Up Loan

Home Top Up Loan

Get A Top Up On Your Existing Loan

Home Improvement Loan

Home Improvement Loan

Renovate your Home Loan with our Home Improvement loan

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