ICICI Home Finance (ICICI HFC) Home Loan

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ICICI Home Finance Home Loan Highlights

Particulars	Details
Interest Rate	Floating rates: 7.50%-20% p.a. Fixed rates: 11.80%-23% p.a.
Loan Amount	Rs 3 lakh – 5 crores
Tenure	Up to 25 years
Processing Fees	Up to 2% of the loan amount

Note: Last updated on 1 September 2025

ICICI HFC Home Loans Interest Rates

Floating Interest Rates

Minimum Interest Rate	7.50% p.a.
Maximum Interest Rate	20.00% p.a.

Fixed Interest Rates

Minimum Interest Rate	11.80% p.a.
Maximum Interest Rate	23.00% p.a.

Compare Interest Rates on Home Loans for Top Banks & HFCs

Name of Lender	Loans of Up to Rs. 30 Lakh
Bank of India	7.10% p.a. onwards	Check Eligibility
State Bank of India	7.25% p.a. onwards	Check Eligibility
Punjab National Bank	7.20% p.a. onwards	Check Eligibility
Canara Bank	7.15% p.a. onwards	Check Eligibility
HDFC Bank	7.90% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.40% p.a. onwards	Check Eligibility
ICICI Bank	7.65% p.a. onwards	Check Eligibility
Axis Bank	*8.25% p.a. onwards	Check Eligibility
Federal Bank	*7.90% p.a. onwards	Check Eligibility
Kotak Mahindra Bank	7.70% p.a. onwards	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.35% p.a. onwards	Check Eligibility
RBL Bank	8.20% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	7.75% p.a. onwards	Check Eligibility
PNB Housing Finance	*7.20% p.a. onwards	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	Check Eligibility
India Shelter Home Loan	8.43% p.a. onwards	Check Eligibility
L&T Finance Limited	*8.40% p.a. onwards	Check Eligibility
Godrej Housing Finance	7.75% p.a. onwards	Check Eligibility
Home First Finance	8.00% p.a. onwards	Check Eligibility
Easy Home Finance	8.99% p.a. onwards	Check Eligibility
Piramal Capital Housing Finance	*8.25% p.a. onwards	Check Eligibility
Shubham Housing Finance	10.45% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.30% p.a. onwards	Check Eligibility
Jio Housing Finance	8.20% p.a. onwards	Check Eligibility
HDFC Sales Pvt Ltd	7.90% p.a. onwards	Check Eligibility

How to Apply for ICICI Home Finance Home Loan?

Applicants can apply for ICICI Home Finance through the official website of ICICI Home Finance. They can also visit the ICICI Home Finance branch to apply for home loans. Applicants should also visit financial marketplaces and compare the interest rates and other features offered by other lenders.

ICICI HFC Home Loan Fees and Charges

Following are the processing fee and prepayment charges for ICICI Home Finance Home Loan:-

Products	Processing Charges
Apna Ghar	1.00%+AT
Apna Ghar Dreamz	2.00%+AT
Prime Home loan	0.75% +AT
Regular Home Loan	0.75% +AT or Rs. 11,000+AT, whichever is higher

Prepayment Charges

Product	Charges
Floating rates	NIL
Fixed rate or limited period fixed rate housing loan	Preclosed out of own sources: NIL Other cases: 2% of the loan amount

Documents Required for ICICI HFC Home Loan

Documents required from salaried and self-employed to avail home loan from ICICI Home Finance are illustrated below.

Types	Salaried	Self-Employed
For New Home Loan	– Duly filled and signed application form – Residence and ID proofs for KYC, like, Aadhaar card, PAN card, voter ID, job card issued by NREGA – Last 2-month salary slips, 3 months bank statement, Form 16 – Documents of the property (unless the property is not finalized)	– Completely filled and signed application form – Property documents – ID and residence proofs for KYC – Latest 2 income tax returns, 6 months bank statement, latest 2 years balance sheet (with schedules), and P&L accounts
For Apna Ghar Home Loan
For Home Improvement Loan
For Insta Top-up Loan	– Application form – KYC proofs such as Aadhaar, PAN, etc. – Latest salary slip/1-month bank statement for income proofs	– Application form – ID and residence proofs – Last 1-month bank statement as income proofs
For Apna Ghar Dreamz Home Loan	– Completely filled and signed application form – Property documents (unless the property is not finalized) – ID and residence proofs	– Application form – KYC proofs – 6 months bank statements (At least Rs 1,500 for home loan up to Rs 5 lakh and Rs 3,000 for loan above Rs 5 lakh) – Property documents (unless the property is not finalized)
For Plot Loan	– Application form duly filled – Income proofs such as 3 months bank statement, last 2 months salary slips, Form 16 – ID and residence proofs for KYC – Property documents (unless the property is not finalized)	– Completely filled application form – ID and residence proofs (Aadhaar, PAN, Voter ID) – For Self-employed non-individuals: PAN, GST registration copy, MOA of company, AOA – Last 2 months ITR, P&L accounts and balance sheet (with schedules) for last 2 years, 6 months bank statements
For Top-Up Loan
For Home Loan Balance Transfer	– A letter was written by the existing lender on his letter-head mentioning the list of property documents submitted to him by the borrower – Letter from the existing financial institution stating the latest outstanding balance on their letter-head – Xerox of the property documents (unless the property is not finalized)

Eligibility for ICICI Home Finance (ICICI HFC) Home Loans

Below-mentioned are the eligibility criteria for different types of home loan schemes offered by ICICI Home Finance.

For New Home Loan

Nationality

• Salaried: Indians residing in India and NRIs
• Self-employed: Indians residing in India

Age

• Salaried: 23-60 years of age for Indian residents; 25-60 years of age for NRIs
• Self-employed: 28-70 years of age

Income

• Salaried: Minimum monthly income of Rs 12,000
• Self-employed: Minimum annual income of Rs 1.5 lakh (after tax deduction)

Co-applicant

• Salaried/Self-employed: The age of the co-applicant should be 18-65 years

For Apna Ghar Home Loan

Nationality

• Salaried/Self-employed: Indian residing in India

Age

• Salaried: 25-60 years
• Self-employed: 30-70 years

Job Profile

• Salaried: Applicants working with partnerships, proprietorship, LLP or public or private sector companies, MNCs
• Self-employed: A self-employed doctor, lawyer, CA, CS, etc.

For Plot Loan

Nationality

• Salaried: NRIs and Indians residing in India
• Self-employed: Indians residing in India

Age

• Salaried: 23-60 years (resident Indians), 25-60 years (NRIs)
• Self-employed: 28-70 years

For Home Improvement Loan

Nationality

• Salaried/Self-employed: Indian residing in India

Age

• Salaried: 23-60 years (Indian resident); 25-60 years (NRIs)
• Self-employed: 28-70 years

For Home Loan Balance Transfer

• Applicant paying a higher rate of interest currently for a home loan and are looking for some relaxation
• Applicants with all EMIs paid for an existing home loan

For Top-up Home Loan

Nationality

• Salaried: Indian residents and NRIs
• Self-employed: Indian residents

Age

• Salaried: 21-60 years (Indian residents); 23-60 years (NRIs)
• Self-employed: 28-70 years

For Insta Top-up Home Loan

Existing home loan borrowers of ICICI Home Finance who have made repayments for at least 18 months

For Apna Ghar Dreamz Home Loan

Nationality

• Salaried/Self-employed: Indian residing in India

Age

• Salaried: 23-60 years (Income considered); 18-80 years (Income not considered)
• Self-employed: 23-70 years (Income considered); 18-80 years (Income not considered)

Minimum Income

• Salaried/Self-employed

Also Read: Top 10 Tips to Consider before Availing a Home Loan

Home Loan Repayment Options

• Step-up repayment facility- Where EMI increases with the increase in income
• Part-fixed and Part-floating– When the interest rate is fixed for a few years and floating for the rest of the years
• Flexible loan installment payment– For those applicants whose income will decrease in a few years, for eg., if you are nearing retirement
• Equated Monthly Installments (EMIs)– When a fixed amount is paid even when the income increases

ICICI Home Finance (ICICI HFC) EMI Calculator

ICICI Home Finance Home Loan Customer Care

Below-mentioned are the details of ICICI Home Finance Home Loan Customer Care:

• Toll-free Number- 1800 267 4455
• Email Id- customer.care@icicihfc.com

In case of any grievances, applicants can reach out to;

• Email Id- nodal.office@icicihfc.com
• Office Number- 022-66493844

Types of ICICI Home Finance (ICICI HFC) Home Loans

New Home Loan

• Purpose: Regular home loans for salaried as well as self-employed applicants.

• Loan Amount: Rs 3 lakhs- 5 crores

• Tenure: Up to 25 years (capped at 60 years of age or retirement for salaried and 70 years of age for self-employed applicants).
• Processing Fees: 0.75% of the loan amount or Rs 11,000 plus applicable taxes

Apna Ghar Home Loan

Purpose: Affordable housing loan scheme for both salaried and self-employed applicants with Pradhan Mantri Awas Yojana’s (PMAY) subsidy benefit of up to Rs 2.67 lakh.

Loan Amount:

• Up to Rs 20 lakh for salaried
• Up to Rs 50 lakh for self-employed
• Processing Fees: 1% of the loan amount + GST @ 18%

Plot Loan

Purpose: Loan to salaried and self-employed individuals to purchase a plot of land for construction of the house

Loan Amount: Up to Rs 1 crore

Processing Fees: 0.75% of the loan amount or Rs 11,000

Home Improvement Loan

Purpose: Home loan for carrying out home repairs and renovations

Loan Amount: Rs 3 lakh- 5 crores

Tenure: Up to 20 years

Processing Fees: 0.75% of the loan amount or Rs 11,000

Home Loan Balance Transfer

Purpose: For transferring existing home loans availed from other banks and HFCs to ICICI Home Finance at lower interest rates

Loan Amount: Rs 3 lakh to Rs 5 crores

Tenure: Up to 25 years

Processing Fees: 0.75% of the loan amount

Also Read: Home loan tax benefits

Top-up Home Loan

Purpose: To arrange finance for any personal/business requirements during the tenure of the home loan

Loan Amount: Up to Rs 1.5 crores

Tenure: Up to 20 years

Processing Fees: 0.75% of the loan amount or Rs 11,000

Insta Top-up Home Loan

Purpose: Loan provided over and above the existing home loan to meet the financial needs of the existing home loan and non-housing loan borrowers of ICICI Home Finance

Tenure: Up to 10 years

Loan Processing Time: within 72 hours

Apna Ghar Dreamz

Purpose: Affordable home loans for those lacking income proof documents along with PMAY’s subsidy benefits of up to Rs 2.67 lakhs

Loan Amount:

• Salaried: Rs 2 lakh- 20 lakh
• Self-employed: Rs 2 lakh- 30 lakh (up to Rs 50 lakh in Delhi/Mumbai)

LTV Ratio: Up to 80% of a Home’s market value

Tenure: Up to 20 years

FAQs on ICICI Home Finance

What are the interest rates offered by ICICI Home Finance?

ICICI Home Finance offers home loans at interest rates starting from 7.50% p.a. onwards depending on the credit profile of the applicant.

What are the eligibility criteria for availing ICICI Home Finance?

ICICI Home Finance sets the eligibility criteria of its applicants based on their age, occupation profile, co-applicants, etc. Click here to know about the home loan eligibility criteria set by ICICI Home Finance in detail.

What are the documents required for availing ICICI Home Finance Home Loan?

ICICI Home Finance requires various documents for verifying the identity, income, address, property title, etc. of its home loan applicants. Click here to know about ICICI Home Finance Home Loan documents in detail.

How long does it take for ICICI Home Finance to approve the home loan application of its applicants?

ICICI Home Finance has not specified the turnaround time for the approval of home loan applications of its applicants. However, lenders usually take around 2-3 weeks or even more while approving home loan applications.

Can I transfer my existing home loan to ICICI Home Finance?

You can opt for ICICI Home Finance Home Loan Balance Transfer facility and transfer your existing home loans from other lenders to ICICI Home Finance at lower interest rates, thereby reducing your overall interest cost.

How can the home loan applicants increase their home loan eligibility?

The home loan applicants can increase their home loan eligibility by adding a co-applicant like spouse or any immediate family member.

Does ICICI Home Finance provide preferential interest rates to women applicants?

Yes, ICICI Home Finance provides lower interest rates to women applicants. However, the HFC has not disclosed the concessions on interest rates offered to women applicants.

Who can be a co-applicant to my home loan?

Your spouse or any immediate family member can be the co-applicant. Adding woman as a co-applicant can help in availing home loans at lowers interest rate.

What is the minimum credit score required to avail home loans from ICICI Home Finance?

ICICI Home Finance has not specified the cut-off credit score for home loan applicants. However, the applicants with credit scores of 750 and above usually have higher chances of availing home loans at lower interest rates. Click Here: To know more about Credit Score based Home Loan Interest rates

Can I prepay the home loan availed from ICICI Home Finance?

Yes you can prepay your home loan availed from ICICI Home Finance, in part or in full. There are no prepayment charges levied on home loans with floating rates. However, the HFC levies prepayment fees of 2% on the outstanding loan amount for fixed rate home loans.

What are the benefits of Home Loan EMI planning?

Home loan lenders usually prefer lending to those applicants whose total EMIs, including the existing EMIs as well as the EMI of the proposed home loan, is within 50-60% of their monthly income. Applicants exceeding this ratio have very low chances of availing home loans.

Thus, home loans applicants should use home loan EMI calculator to find out their EMI affordability after factoring in their existing EMIs, monthly unavoidable expenses and monthly investments for their crucial financial goals. Doing so would reduce the chances of home loan rejection, find them their optimum home loan tenure based on their repayment capacity and ensure long term financial fitness.

Can I choose between a fixed and floating rate of interest?

ICICI Home Finance offers home loans at both fixed and floating rates of interest.