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ICICI NRI Home Loan

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Lowest interest rates starting from 7.1%

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65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.10% p.a.

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Offers from 25+ Banks & HFCs

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Additional Funds when Required

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HDFC Bank
Min Loan Amt. 15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee10,000
ICICI Bank
Min Loan Amt. 15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee10,000
Axis Bank
Min Loan Amt. 30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee14,000
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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.

ICICI Bank NRI Home Loan Highlights

Interest Rates Depending on the applicant’s credit profile
Loan Amount Depending on the applicant’s repayment capacity
Loan Tenure Up to 30 years
Processing Charges Up to 2%

Features of ICICI Bank NRI Home Loan

  • For purchase, construction or renovation of residential property in India.
  • Digital application with instant provisional sanction of home loan.
  • Flexible repayment tenure of up to 30 years.
  • Online documentation with hassle-free processing.
  • Balance transfer options available.
  • Top-up on existing home loans to fulfil the personal requirements of the applicant.

ICICI Bank NRI Home Loan Interest Rates

ICICI Bank has not disclosed the home loan interest rates offered to its NRI applicants. However, the applicants can avail NRI home loans at the same interest rates as that offered to its regular home loan borrowers, i.e., 7.45% p.a. onwards.

Floating Interest Rates

Special Home Loan Interest Rates

Credit Score Salaried Self-employed
800 8.50% p.a. 8.50% p.a.
750 - 800 8.50% p.a. 8.60% p.a.

Standard Home Loan Interest Rates

Loan Amount Salaried Self-employed
Up to Rs. 35 lakh 8.50% - 9.40% p.a. 8.50% - 9.55% p.a.
Rs. 35 - Rs. 75 lakh 8.50% - 9.55% p.a. 8.50% - 9.70% p.a.
Above Rs. 75 lakh 8.50% - 9.65% p.a. 8.50% - 9.80% p.a.

Fixed Interest Rates

Fixed Tenure Interest Rate (p.a.)
24 months 9.10% - 9.15%
37 months 8.90% - 9.15%
60 months 8.90% - 9.15%
120 months 10.50% - 10.60%
Full term 10.90% - 11.20%

Comparison Table of Home Loan Interest Rates Offered by Top Lenders

Name of Lender Interest Rates
Axis Bank 8.00% p.a.
Bajaj Housing Finance 7.15% p.a.
Bank of India 7.10% p.a.
Canara Bank 7.15% p.a.
Easy Home Finance 8.99% p.a.
Federal Bank 8.75% p.a.
Godrej Housing Finance 7.60% p.a.
HDFC Bank 7.20%* p.a.
HDFC Sales Pvt. Ltd. 7.20%* p.a.
Home First Finance 8.00% p.a.
ICICI Bank 7.45% p.a.
IDBI Bank 7.35% p.a.
IDFC FIRST Bank 8.85% p.a.
India Shelter Home Loan 8.43% p.a.
Jio Housing Finance 8.20% p.a.
L&T Finance Limited 7.65%* p.a.
Piramal Capital Housing Finance 9.99% p.a.
PNB Housing Finance 7.50% p.a.
Punjab & Sind Bank 7.30% p.a.
Punjab National Bank 7.20% p.a.
RBL Bank 8.20% p.a.
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a.
Shubham Housing Finance 10.45% p.a.
State Bank of India 7.25% p.a.
Tata Capital Housing Finance 7.50% p.a.

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Your Dream Home

ICICI Bank Home Loan Fees and Charges

Particulars Charges
Processing fees Up to 2% of the loan amount
Prepayment fees NIL
Administrative charges 0.25% or Rs. 5,000, whichever is lower
Commitment charges/Non-utilisation fees Minimum 30%; 0.5% levied on deficit amount for self-employed applicants
Conversion charges
  • Floating to fixed - Rs. 3,000
  • Semi-fixed/fixed to floating - 2% of outstanding principal
  • Overdraft - 0.5% of outstanding principal
Cheque/ECS/NACH dishonour charges Rs. 500
Cheque/repayment mode swap charges Rs. 500
Amortisation schedule charges Rs. 200
Account statement charges Rs. 200
Prepayment statement charges Rs. 200
Charges for NOC Rs.250
Renewal Fee Rs. 5,000

ICICI Bank Home Loan Eligibility Criteria for NRIs

Below-mentioned is the eligibility criteria set by ICICI Bank for its NRI applicants:

  • The minimum age of the applicant should be 21 years at the time of loan application and 65 years at the time of loan maturity.
  • Salaried employees should have a minimum experience of 1 year overseas.
  • Self-employed individuals should have a minimum business vintage of 3 years in the current business.

ICICI Bank Home Loan Documents for NRIs

Below-mentioned are the home loan documents required from NRI applicants during loan application.

  • Duly filled application form with passport size photographs.
  • ID proof - Passport
  • NRI status proof - VISA, Residence permit, OCI card
  • Address proof - Indian/Overseas
  • PAN is mandatory for NRIs
  • Income proof - Salary slip for last 1 month, overseas bank statement with salary credit for last 3 months
  • Business proof - Audited P&L statements and ITR for last 2 years, business incorporation documents, overseas operative bank account details for last 6 months, office address, directors list

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.

Get a Home Loan For
Your Dream Home

FAQs

NRIs and OCI having a strong credit profile are eligible for ICICI NRI home loans.

ICICI Bank has not specified the interest rates offered to its NRI applicants. However, NRI applicants can apply for home loans at the same interest rates as those offered for regular home loans, i.e., 7.45% p.a. onwards.

Yes, NRIs can avail tax benefits on the principal and interest repayments.

Aadhar is not mandatory for NRI and OCI but PAN card is mandatory during NRI loan application.

Yes, resident Indians can be co-applicants to NRI home loans.

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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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