ICICI Bank Home Loan Balance Transfer

ICICI Home Loan Balance Transfer
Interest Rates	8.50% p.a. onwards
Loan Amount	As per the applicant’s eligibility
Repayment Tenure	Up to 20 years
Processing Fee	Up to 2% of the loan amount

Note: Interest rates as of 20 June 2025

ICICI Bank Home Loan Balance Transfer Interest Rates

ICICI Bank has not set any separate home loan balance transfer interest rates. However, the interest rates for ICICI Bank regular home loans start from 8.50% p.a. onwards for its pe-approved customers. ICICI Bank Home Loan interest rates are mentioned below:

Special Home Loan Rates

CIBIL Score	Salaried	Self-employed
>=800	8.75%	8.75%
750-800	8.75%	8.85%

Standard Pricing

Slab	Floating Interest Rates (p.a.)
	For Salaried	For Self-employed
Up to Rs. 35 lakh	8.75%-9.40%	8.75%-9.55%
Rs. 35 lakh to Rs. 75 lakh	8.75%-9.55%	8.75%-9.70%
Above Rs. 75 lakh	8.75%-9.65%	8.75%-9.80%

*The rate of interest can vary based on the income profile of the customer.

ICICI Bank Pre-approved Home Loan Balance Transfer

ICICI Bank offers an exclusive facility for existing customers who want to shift their home loan or Loan Against Property (LAP) from other lenders to ICICI Bank at lower interest rates.

Loan amount: Up to Rs 1 crore

Compare ICICI Bank Home Loan Balance Transfer Interest Rates with Other Lenders

Name of Lender	Loans Up to Rs. 30 Lakh	Loans Above Rs. 30 Lakh to Rs. 75 Lakh	Loans Above Rs. 75 Lakh
SBI	7.50%-8.70% p.a.	7.50%-8.70% p.a.	7.50%-8.70% p.a.	Check Eligibility
HDFC Bank Limited	8.15% p.a. onwards	8.15% p.a. onwards	8.15% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.49% p.a. onwards	7.49% p.a. onwards	7.49% p.a. onwards	Check Eligibility
ICICI Bank	8.00% p.a. onwards	8.00% p.a. onwards	8.00% p.a. onwards	Check Eligibility
Axis Bank	8.35%-11.90% p.a.	8.35%-11.90% p.a.	8.35%-11.90% p.a.	Check Eligibility
Federal Bank	9.15% p.a. onwards	9.15% p.a. onwards	9.15% p.a. onwards	Check Eligibility
Punjab National Bank	7.55% - 9.35% p.a.	7.50% - 9.25% p.a.	7.50% - 9.25% p.a.	Check Eligibility
Kotak Mahindra Bank	8.20% p.a. onwards	8.20% p.a. onwards	8.20% p.a. onwards	Check Eligibility
Canara Bank	7.50%-10.25% p.a.	7.45% – 10.25% p.a.	7.40% – 10.15% p.a.	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	8.85% p.a. onwards	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.75% p.a. onwards	7.75% p.a. onwards	7.75% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.55% - 10.75% p.a.	7.55% - 10.75% p.a.	7.55% - 10.75% p.a.	Check Eligibility
RBL Bank	8.20% p.a. onwards	8.20% p.a. onwards	8.20% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	7.99% p.a. onwards	7.99% p.a. onwards	7.99% p.a. onwards	Check Eligibility
PNB Housing Finance	8.25% - 11.50% p.a.	8.25% - 11.50% p.a.	8.25%-12.35% p.a.	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards	Check Eligibility
Aditya Birla Capital	8.25% p.a. onwards	8.25% p.a. onwards	8.25% p.a. onwards	Check Eligibility
India Shelter Home Loan	10.00% - 24.00% p.a.	10.00% - 24.00% p.a.	10.00% - 24.00% p.a.	Check Eligibility
L&T Finance Limited	8.65% p.a. onwards	8.65% p.a. onwards	8.65% p.a. onwards	Check Eligibility
Godrej Housing Finance	8.55% p.a. onwards	8.55% p.a. onwards	8.55% p.a. onwards	Check Eligibility
Home First Finance	11.90% - 15.00% p.a.	11.90% - 15.00% p.a.	11.90% - 15.00% p.a.	Check Eligibility
Easy Home Finance	8.99% - 18.00% p.a.	8.99% - 18.00% p.a.	8.99% - 18.00% p.a.	Check Eligibility
Piramal Capital Housing Finance	9.50% p.a. onwards	9.50% p.a. onwards	9.50% p.a. onwards	Check Eligibility
Cholamandalam Investment and Finance	10.00% - 19.00% p.a.	10.00% - 19.00% p.a.	10.00% - 19.00% p.a.	Check Eligibility

ICICI Bank Home Loan Balance Transfer Fees and Charges

Processing fees

Processing fees

0.50% – 2.00% of the loan amount or Rs 3,000 whichever is higher

Prepayment Charges

Prepayment Charges	Floating ROI (Home Loan, Land Loan and Home Improvement Loan): NIL
	Full repayment on Fixed ROI (GCC Home Loan, Land Loan, Home Improvement Loan & Top Up Home Loan): 2% +taxes on outstanding principal
	On full repayment of Top Up on Home Loan for business purpose: 2% + taxes on outstanding principal
	Floating ROI for non-business purpose: NIL

Other fees and charges

Conversion charges	If prepayment charges are not applicable: Rs 1000 + taxes
	If prepayment charges are applicable:
	Floating to Floating: 0.5% of the principal outstanding + taxes
	Dual fixed rate to Floating: 0.5% of the principal outstanding + taxes
	Floating to Dual fixed rate: 0.5% of the principal outstanding + taxes
	Lifetime fixed to floating: 1.75% of the principal outstanding + taxes
Repayment mode swap Charges	Rs 500
Document Retrieval Charges	Rs 500
Cheque/AD/ECS bounce charges	Rs 500
Duplicate No Objection Certificate / No Due Certificate	Rs 100
Administrative charges	Rs 5000 or 0.25 % of the loan amount whichever is lower + taxes
Cibil Report Charges	Rs 50

Also Check EMI Calculator for Home Loan

ICICI Bank Home Loan Balance Transfer Eligibility Criteria

• The home loan balance transfer facility is offered to those applicants who have repaid 12 to 18 months of EMIs on their home loan
• Minimum CIBIL score requirement: 700 for salaried applicants; 750 for self-employed applicants
• The minimum balance transfer amount is above Rs 15 lakh

Pre-approved Home Loan Balance Transfer Eligibility Criteria

• Indian resident
• Customers holding ICICI Bank savings or salary account
• Minimum repayment record of 24 months
• Customers should have an ongoing Home Loan, LAP or NRP.

Home Loan Balance Transfer Documents Required for ICICI Bank

KYC Documents:

• PAN Card
• Aadhaar Card
• Residence Proof

Income Documents:

• Salary slip and Form 16 for salaried
• Last 3 years income tax returns with financials for salaried, self-employed and professionals
• Last 6 months bank statements

Other Documents:

• Latest principal outstanding letter
• List of documents from existing financier
• Repayment track record

Pre-approved Home Loan Balance Transfer Documents Required

• Passport size photo
• Last 6 months’ bank statements
• Last 3 months’ salary slip or Income Tax returns
• Property Documents

Know how to get ICICI Bank home loan statement online

 

\