ICICI Bank Top Up Home Loan

ICICI Bank Top Up Home Loan Highlights – 2025
Interest Rates	Depends on the credit profile of the existing home loan borrowers and the interest rate charged on their underlying home loan
Tenure	For ICICI Bank Home Loan Top Up: Up to 20 years For ICICI Bank Insta Top Up Loan: Up to 10 years For ICICI Bank 24 Hours Top Up Loan: Up to 10 years
Loan Amount	For ICICI Bank Home Loan Top Up: Rs 50,000 onwards For ICICI Bank Insta Top Up Loan: Up to Rs 1 Crore For ICICI Bank 24 Hours Top Up Loan: Up to Rs 1 Crore
Prepayment Charges	For top up loans availed at floating rates of interest: Nil For top up loans availed at fixed rates of interest: 2% plus applicable taxes

Note: Updated as of 4 April 2025.

ICICI Bank Top Up Home Loan Interest Rates

The Interest rate for ICICI Bank Top Up Home Loan depends on the credit profile of the existing home loan borrowers and the interest rate charged on their underlying home loan.

ICICI Bank Home Loan Top Up Fees and Charges

Particulars

Rates

Prepayment Charges

– NIL for ICICI Home Loans and ICICI Home Improvement Loans with a floating rate of interest – 2% on the outstanding principal on full repayment for ICICI Bank Home Loan with a fixed rate of interest – 2% on the outstanding principal on full repayment for Top Up Loan if the applicant or co-applicant is Non-Individual – 4% on the outstanding amount of loan where the loan is given to Non Individual borrowers or with a fixed rate of interest to Individual borrowers.

Also Check Home Loan EMI Calculator

Types of ICICI Bank Top Up Home Loan

ICICI Bank Home Loan Top Up

• Tenure: Up to 20 years
• Loan Amount: Rs 50,000 onwards
• Overdraft Facility: Available

ICICI Bank Insta Top Up Loan

• It is a pre-approved top up loan offered to select existing home loan borrowers. This loan facility comes with instant disbursal in just 3 clicks.
• Tenure: Up to 10 years
• Loan Amount: Up to Rs 1 crore

ICICI Bank 24 Hours Top Up Loan

• It is a pre-approved top up loan offered to select existing home loan borrowers, with turnaround time for disbursal within 24 hours
• Tenure: Up to 10 years
• Loan Amount: Up to Rs 1 crore

ICICI Bank Top Up Home Loan Eligibility

• Home Loan Top Up
  • Existing Home Loan borrowers
• Insta Top Up Loan 
  • Existing Home Loan borrowers who have a pre-approved offer for the Insta Top Up Loan from ICICI Bank
• 24 Hours Top Up Loan
  • Existing Home Loan borrowers who have a pre-approved offer for the 24 Hours Top Up Loan from ICICI Bank
  • The borrower must have no other active top up loan

Also Check: Home Loan Eligibility Calculator

Documentation Required for ICICI Bank Top Up Home Loan

• Home Loan Top Up: The documentation process is easier for customers who already have an existing Home Loan with ICICI Bank.
• Insta Top Up Loan: No fresh documentation required
• 24 Hours Top Up Loan: No fresh documentation required