✓ Authorised DSA Partner
Home Loan
ICICI Bank Home Loan
ICICI Bank offers competitive home loans with attractive rates, flexible tenure up to 30 years and hassle-free documentation.
7.45%–10.05%
Interest Rate (p.a.)
₹5L – ₹10Cr
Loan Amount
Up to 30 Years
Max Tenure
Up to 2% + taxes
Processing Fee
NIL
Prepayment (Floating Rate)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏠 ICICI Home Loan
7.45% – 10.05%
₹5L – ₹10Cr
Up to 2% (+ taxes)
Up to 30 Years
NIL (Floating Rate)
🏗️ ICICI Home Loan – Under Construction
~7.45% – 10.05%
₹5L – ₹10Cr
Up to 2% (+ taxes)
Up to 30 Years
NIL (Floating Rate)
🔑 Home Loan Balance Transfer
7.45% Onward
₹5L – ₹10Cr
Up to 2%
Residual Tenure
NIL (Floating Rate)
🏘️ Affordable Housing Loan
7.45% – ~9.5%
Up to ₹50L+ (PMAY linked)
Up to 2%
Up to 30 Years
NIL
📑 Required Property Documents – Home Loan
Sale Agreement / Agreement to Sell
Title Deed / Sale Deed (chain of ownership)
Approved Building Plan from Authority
NOC from Builder / Housing Society
Property Tax Receipts (latest)
Occupancy Certificate (for ready property)
Encumbrance Certificate (last 13 years)
Allotment Letter (for under-construction)
Loan Against Property
ICICI Bank LAP
Unlock the equity in your property with ICICI Bank’s LAP — competitive rates, high LTV and flexible usage.
10.60%–12.25%
Interest Rate (p.a.)
₹10L – ₹5Cr
Loan Amount
Up to 15 Years
Max Tenure
Up to 2% (+ GST)
Processing Fee
Up to 75%
Max LTV
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
🏢 LAP – Residential Property
10.60% – 12.25%
₹10L – ₹5Cr
Up to 2% + GST
Up to 15 Years
NIL (Floating)
🏬 LAP – Commercial Property
~10.85% – 12.25%
₹10L – ₹5Cr
Up to 2% + GST
Up to 15 Years
NIL (Floating)
🔄 LAP Balance Transfer
10.60% Onward
As per valuation
Up to 2%
Residual Tenure
NIL (Floating)
📑 Required Property Documents – Loan Against Property
Ownership Proof (Sale Deed / Title Deed)
Property Valuation Report from Bank’s Empanelled Valuer
Chain of Documents (all prior sale deeds)
Encumbrance Certificate
Property Tax Receipts (latest)
Approved Building Plan / Layout Plan
NOC from Society / RWA (if applicable)
Rent Agreement (if rental income property)
Personal Loan
ICICI Bank Personal Loan
Get instant personal loans from ICICI Bank — pre-approved offers & quick disbursal for existing customers.
9.99%–16.50%
Interest Rate (p.a.)
Up to ₹50L
Max Loan Amount
Up to 72 Months
Max Tenure
Up to 2% (+ taxes)
Processing Fee
Instant
Disbursal (Existing)
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
👤 Personal Loan – Salaried
9.99% – 16.50%
₹50K – ₹50L
Up to 2% + GST
12–72 Months
3% (Nil after 12 EMIs)
💼 Personal Loan – Self-Employed
~10.50% – 16.50%
₹50K – ₹50L
Up to 2% + GST
12–60/72 Months
3% (Nil after 12 EMIs)
⚡ Pre-Approved Personal Loan
9.99% – ~16%
Up to ₹50L
Special / Nil possible
Up to 60–72 Months
3% (Nil after 12 EMIs)
Business Loan
ICICI Bank Business Loan
ICICI Bank offers fast, collateral-free business funding for MSMEs, self-employed professionals and entrepreneurs.
10%–19.25%
Interest Rate (p.a.)
₹50K – ₹2Cr+
Loan Amount
Up to 60–84 Months
Max Tenure
Up to 2% (+ GST)
Processing Fee
3–7 Days
Disbursal Time
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
💼 Business Loan – Collateral-Free
13.25% – 19.25%
₹50K – ₹75L+
Up to 2% + GST
12–60/84 Months
Varies (often 4% after lock-in)
🏪 Dropline Overdraft (DOD)
~11% – 17%
₹50K – ₹75L+
Up to 2%
Up to 12–48+ Months (renewable)
Flexible
⚡ Pre-Approved Business Loan
~10% – 18%
Up to ₹75L+
Minimal / Nil
Up to 60–84 Months
Varies
📑 Required Documents – Business / Secured Loan
Collateral Property Papers (if secured)
Business Registration Proof (GST / Udyam / MCA)
Last 2 Years’ Audited Financial Statements
ITR with Computation (last 2–3 years)
Bank Statements (last 12 months)
Partnership Deed / MOA-AOA (as applicable)
Proof of Business Address
KYC of All Promoters / Directors
Loan Against Securities
ICICI Bank Loan Against Securities
Borrow against your mutual funds, shares, bonds & insurance policies with ICICI Bank — without liquidating your portfolio.
9%–12% (typically 10.75%–11.75%)
Interest Rate (p.a.)
₹1L – ₹20Cr
Loan Amount
Up to 12 Months
Tenure (Renewable)
Up to 80%
LTV on Securities
NIL
Prepayment Charges
Product
Interest Rate
Loan Amount
Processing Fee
Tenure
Prepayment
📈 Loan Against Mutual Funds
10.75% – 11.75%
₹1L – ₹20Cr
Up to 0.50%–2%
12 Months (Renewable)
NIL
📊 Loan Against Shares
10.75% – 11.75%
₹1L – ₹20Cr
Up to 0.50%–2%
12 Months (Renewable)
NIL
🛡️ Loan Against Insurance / Bonds
~10.75% – 11.75%
₹50K – ₹5Cr+
Minimal
Up to Policy Maturity
NIL
📑 Required Documents – Loan Against Securities
Demat Account Details (DP ID + Client ID)
List of Securities to be Pledged (Shares / MF Units)
Portfolio Statement (last 3 months)
KYC Documents (PAN + Aadhaar / Passport)
Folio Statement / CAMS / Karvy Statement
Bank Account Statements (last 6 months)
Insurance Policy Document (if pledging policy)
NACH Mandate Form for Interest Debit
Eligibility Criteria
Who Can Apply?
Select your loan type to view the relevant eligibility requirements.
🏠 Home Loan
Eligibility – ICICI Bank Home Loan
- Salaried or Self-Employed Indian Resident / NRI
- Age: 21–65 years (salaried) / 21–70 years (SEP)
- Min. income: ~₹25,000/month (salaried)
- Min. CIBIL Score: 650+
- Employment: Min. 2 years (3 years for SEP)
- Property in ICICI Bank approved locations
🏢 Loan Against Property
Eligibility – ICICI Bank LAP
- Salaried, Self-Employed or Business Owner
- Age: 21–70 years
- Min. income: ₹30,000/month
- CIBIL Score: 700+
- Clear property title in borrower’s name
- Property: Residential or Commercial
👤 Personal Loan
Eligibility – ICICI Bank Personal Loan
- Salaried employees (Private / PSU / Govt)
- Age: 21–60 years
- Min. net monthly salary: ₹25,000
- CIBIL Score: 700+
- Min. 1 year with current employer
- ICICI Bank salary account: preferred
💼 Business Loan
Eligibility – ICICI Bank Business Loan
- Self-employed / MSME / Proprietors / Partnerships
- Age: 21–65 years
- Business vintage: Min. 3 years
- Min. Annual Turnover: ₹40L+
- CIBIL Score: 700+
- ITR filed for last 2–3 years
📈 Loan Against Securities
Eligibility – ICICI Bank LAS
- Resident Indian (Individual / HUF / Company)
- Age: 18+ years
- Demat / Folio in applicant’s name
- Approved securities from ICICI Bank list
- Valid KYC documents
- Min. portfolio value: ₹1.25L+
Why ICICI Bank
Key Benefits
Unmatched advantages that make ICICI Bank the first choice for millions of borrowers.
Fastest Approvals
Pre-approved personal loans disbursed in under 10 seconds. Home loans approved in 48 hours.
Digital Process
Fully online application with e-KYC, auto-document verification and digital signing.
Competitive Rates
Home loan rates starting at just 7.45% p.a. and personal loans from 9.99% p.a.
Transparent Pricing
No hidden charges. All fees disclosed upfront — processing, legal, valuation.
Dedicated Manager
Personal relationship manager assigned for your loan from application to closure.
Award-Winning Bank
India’s most awarded private bank — ranked #1 for retail lending for 15+ years.
Why Apply Through Us
Your Advantage with Us
We’re an authorised ICICI Bank DSA partner — not a random aggregator. Here’s what you get.
Zero Cost Service
Our consultation, eligibility check, documentation support and follow-up is completely free of charge.
Complete Property Check
We verify legal paperwork, missing approvals, builder track record and hidden market value before you commit.
Direct Bank Access
Skip the queue — our direct bank relationship means faster processing and access to special rate offers.
Multi-Bank Comparison
We compare across 20+ banks so you always land the best rate, not just ICICI Bank’s standard offer.
End-to-End Support
From application to disbursal and even post-loan queries — one point of contact for everything.
Data Privacy
Your documents and personal data are handled with bank-level confidentiality. Never shared without consent.
Apply Now
Get Your Free Consultation
Fill the form below — our loan expert will call you within 30 minutes.
Let us get you the best loan deal
No obligation. No spam. Just a quick call from our certified loan advisor.
- ✓ Free eligibility check in 2 minutes
- ✓ Zero documentation hassle
- ✓ Best rate negotiation on your behalf
- ✓ No hidden charges, ever
- ✓ Callback within 30 minutes
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⚠️ Important Disclaimer
We are an authorised DSA (Direct Selling Agent) partner of ICICI Bank and other lenders. We are not a direct lender and do not disburse loans ourselves. Our service is a free facilitation service to assist borrowers with their loan applications. Final loan approval, interest rates, loan amount, tenure, terms and conditions are solely at the discretion of the respective bank or NBFC.
Interest rates, processing fees and eligibility criteria shown are indicative and subject to change at the time of sanction based on your credit profile, income, applicable RBI guidelines, and the bank’s internal credit policy. All loan applications are subject to ICICI Bank’s standard credit assessment. We do not charge any fee from borrowers. Please read all loan documents carefully before signing.
Common Questions
Frequently Asked Questions
ICICI Bank generally requires a minimum CIBIL score of 700 for most loan products. A score of 750+ improves your chances of getting the lowest interest rate. If your score is below 700, we can guide you on improving it before applying.
ICICI Bank typically approves home loans within 3–5 working days for complete applications. With our DSA assistance, we ensure all documents are in order to avoid delays — often getting approvals in 48 hours for eligible applicants.
Yes. ICICI Bank offers an Under Construction Home Loan product. The loan is disbursed in tranches linked to construction stages. Interest is payable only on the disbursed amount during construction (Pre-EMI), and full EMIs begin after final disbursement.
For salaried applicants: PAN, Aadhaar, last 3 months’ salary slips, last 6 months’ bank statements, and Form 16. For self-employed: PAN, Aadhaar, last 2 years’ ITR with computation, bank statements, and business proof. We help you prepare the complete set.
No. As per RBI guidelines, there is no prepayment penalty on floating rate loans. For fixed-rate loans, ICICI Bank may charge up to 2%–3% of the outstanding amount. Most home and LAP loans are offered on floating rates, so prepayment is free.
Yes. ICICI Bank offers dedicated NRI home loans for Non-Resident Indians to purchase property in India. Loan repayment must be through NRE/NRO accounts. EMI can be paid via rental income from the property as well. We assist NRI clients with end-to-end documentation.
LAS is an overdraft/loan facility where you pledge your investments (mutual funds, shares, bonds, insurance policies) as collateral. You get a credit limit of up to 80% of the portfolio value. Interest is charged only on the amount used, and you can repay and redraw as needed — making it ideal for short-term liquidity needs without selling your investments.
Absolutely not. Our service is 100% free for borrowers. We earn a referral fee from the bank — not from you. There is no consultation charge, documentation charge, or any other fee from our side. You only pay the bank’s standard processing fee which is the same whether you apply directly or through us.