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ICICI Bank Plot Loan

ICICI Bank provides plot/land loans @8.50% p.a. onwards for repayment tenures extending up to to 20 years. Borrowers can use the ICICI Bank Plot Loan proceeds for constructing their individual residential units within 2 years from the loan disbursement date. They can also use this loan for purchasing land without having approved plans for construction.
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Lowest interest rates starting from 7.1%

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Competitive Interest Rates

Starting 7.10% p.a.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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ICICI Bank Plot Loan Highlights

Interest Rates 8.50% p.a. onwards
Loan Tenure Up to 20 years
Loan to value ratio Up to 70% of market value for buying plot plus home construction
Processing/Renewal Charges Rs 3,000 or 0.50% 2% of loan amount, whichever is higher, plus taxes

ICICI Bank Plot Loan Interest Rates

The interest rates offered by ICICI Bank on its plot loan scheme is the same as the ICICI Bank Home Loan interest rates . The lender offers differential interest rates based on their loan applicants’ Credit/CIBIL scores, loan amount and occupation profile.

Also Check: Home Loan Interest Rate

Special Home Loan Rates

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

Also Read: How you can build or rebuild your credit score with Step UP Credit Card Co-branded with SBM Bank

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%

ICICI Bank Plot Loan Fees and Charges

Particulars Applicable Fees & Charges
Loan Processing Charges (non-refundable) 0.50% - 2.00% of the loan amount or Rs 3,000, whichever is higher, plus applicable taxes
Prepayment Charges
  • For floating interest rate loans: Nil
  • For fixed interest rate loans: 2% on the plot loan amount prepaid and on the amount tendered by the borrower towards loan prepayment
Repayment mode swap Charges Rs 500
Document Retrieval Charges Rs 500
Cheque bounce charges Rs 500
Duplicate No Objection Certificate / No Due Certificate Rs 100
Revalidation of No Objection Certificate Rs 100
Administrative Charges Rs 5000
CIBIL Report Charges Rs 50
Legal, Repossession and Incidental Charges At Actuals

Also know about home loan processing fees charged by top home loan lenders

Eligibility criteria for Availing ICICI Bank Plot Loans

  • Both salaried and self-employed applicants are eligible to apply for ICICI Bank Plot Loan
  • Age: 20 to 70 years

Check Also:- ICICI Bank Home Loan Eligibility

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Documentation Required for ICICI Bank Plot Loan

  • Identity, age and residence proof
  • Bank statements of last 6 months
  • Salary slips of last 6 months (for salaried professionals)
  • Income tax returns/Form 16
  • Proof of existence of business (both for self-employed professionals and non-professionals)
  • Business profile (for self-employed non-professionals)
  • Income tax returns of last 3 years with computation of income (both for self-employed professionals and non-professionals)
  • CA certified/audited Profit & Loss Account and Balance Sheet of last 3 years (both for self-employed professionals and non-professionals)

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How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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FAQs

Can I take a plot loan along with a home loan?

You can avail home loan from ICICI Bank after availing plot loans for constructing your house on the purchased land.

Can I avail plot loans without approved plan for construction?

You can avail plot loans to purchase land before having approved construction plThe lender permits you to take the approval for construction post availing the plot loan.

Do I get any tax benefits on a plot loan?

No, There are no income tax benefits on availing plot loans.

How many years can I keep the plot of land before starting construction?

You have to complete the construction of your home within 2 years from the disbursal date of your plot loan.

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What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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