ICICI Home Loan @ 0.00% p.a.

Get your dream home with India's most innovative private bank. Quick approval, digital process, and attractive interest rates.

15M+
Happy Customers
4.7 ★
Customer Rating
25+
Years Experience

Apply for ICICI Loan

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Get approval within 48 hours
0.00%
Interest Rate (p.a.)
₹0
Processing Fee
20 yrs
Max Tenure
₹3L - 7Cr+
Loan Amount
700+
CIBIL Score
5-7 days
Disbursement

ICICI Special Home Loan Schemes

ICICI Smart Home Loan

Flexible EMI Options

0.00% p.a.

ICICI Home Saver

Overdraft Facility

-0.05% p.a.

ICICI Happy Home Loan

For Women Applicants

-0.1% p.a.

ICICI NRI Home Loan

Special for NRIs

0.1% p.a.
🏦 0% Processing Fee for First Time Home Buyers
🎯 Special Rates for ICICI Salary Account Holders
⭐ Free Credit Score Check with Report
📱 Digital Paperless Application Process
🚀 48-Hour Disbursement Commitment
💎 Home Loan Balance Transfer at Lower Rates

About ICICI Home Loan

ICICI Bank, India's leading private sector bank, offers home loans at competitive interest rates starting from 0.00% p.a. With over 15 million satisfied customers, ICICI home loans come with flexible repayment options, fully digital application process, and quick approval. ICICI also offers special schemes for women, senior citizens, and NRIs.

Key Features & Benefits

Lowest Interest Rates among Private Banks
Quick Approval & Disbursement
Flexible Repayment Tenure up to 20 Years
Zero Prepayment Charges on Floating Rates
100% Digital Paperless Process
Special Discount for Women Applicants

ICICI Home Loan Eligibility

Age: 21 - 65 years
Employment: Salaried / Self-employed / Business
Min Income: ₹30,000/month (Salaried)
Work Exp: 2+ years (Salaried)
CIBIL Score: 700+ (750+ for best rates)
Property Age: Up to 50 years

Documents Required for ICICI Home Loan

📄 Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport
🏠 Address Proof: Aadhaar Card, Utility Bill (last 3 months), Rent Agreement
💰 Income Proof (Salaried): Salary Slips (last 3 months), Form 16, Bank Statement (last 6 months)
💰 Income Proof (Self-employed): ITR (last 2 years), Audited Balance Sheet, Profit & Loss Statement
🏦 Property Documents: Title Deed, Sale Agreement, NOC from Builder, Property Tax Receipts
📸 Others: 2 Passport Size Photographs, Loan Application Form

ICICI Home Loan Charges Breakdown

Processing Fee
₹0 + GST
CERSAI Charges
₹100 + GST
Legal & Technical Valuation
₹3,000 - ₹8,000
Stamp Duty & Registration
As per state govt
Administrative Charges
₹500 - ₹1,000
Prepayment Charges
Zero on floating rate loans
Late Payment Penalty
2% per month on overdue amount
NOC / Closing Charges
₹500 - ₹1,000

ICICI Home Loan Process (Login to Disbursement)

Step 1: Online Registration

Visit ICICI official website or BankerMart to apply online

⏱️ 5-10 minutes

Step 2: Document Upload

Upload KYC, income proof, and property documents

⏱️ 15-20 minutes

Step 3: Verification & CIBIL Check

Bank verifies documents and checks CIBIL score

⏱️ 2-3 days

Step 4: Property Valuation

ICICI's empanelled valuer inspects the property

⏱️ 2-3 days

Step 5: Loan Sanction

Loan gets approved and sanction letter issued

⏱️ 3-5 days

Step 6: Loan Disbursement

Amount credited to builder/seller account

⏱️ 2-7 days after agreement

ICICI Home Loan Pros & Cons

Pros / Advantages

  • ✅ Competitive interest rates
  • ✅ Fully digital application process
  • ✅ Special schemes for women & NRIs
  • ✅ Zero prepayment charges on floating rate
  • ✅ ICICI Home Saver overdraft facility
  • ✅ Balance transfer facility available

Cons / Disadvantages

  • ❌ Higher CIBIL score requirement (700+)
  • ❌ Processing fee may be higher for low CIBIL
  • ❌ Limited branches in rural areas
  • ❌ Some services require branch visit

ICICI Home Loan Interest Rates (2026)

Loan AmountInterest Rate (p.a.)
Up to ₹30 Lakh0.00% - 0.25%
₹30 Lakh - ₹75 Lakh0.15% - 0.4%
Above ₹75 Lakh0.3% - 0.6%

*Additional 0.05% concession for women applicants and senior citizens

Frequently Asked Questions - ICICI Home Loan

What is the current interest rate for ICICI home loan?

ICICI home loan interest rates currently start from 0.00% p.a. for loan amounts up to ₹30 lakh.

What is the maximum loan amount I can get from ICICI?

ICICI offers home loans up to ₹7 Crore based on your income, property value, and repayment capacity.

What is ICICI Home Saver loan?

ICICI Home Saver is an overdraft facility linked to home loan. You can deposit surplus funds and reduce interest burden.

Does ICICI offer home loan subsidy under PMAY?

Yes, ICICI Bank offers CLSS under PMAY. Eligible beneficiaries can get up to ₹2.67 lakh interest subsidy.

Is there any prepayment penalty on ICICI home loan?

No, RBI has prohibited prepayment penalties on floating rate home loans.

Can I transfer my existing home loan to ICICI?

Yes, ICICI offers home loan balance transfer facility with better interest rates.