Date: April 14, 2026 Sector: Retail Banking / Housing Finance Institution: ICICI Bank Limited (India) 1. Executive Summary ICICI Bank is one of India’s largest private sector lenders, offering competitive home loan products across salaried and self-employed segments. Known for digital-first processing, quick disbursals, and flexible repayment options, ICICI competes directly with HDFC Ltd., SBI, and LIC Housing Finance. The bank has aggressively adopted repo-rate-linked lending (RLLR) and offers special schemes for green homes, affordable housing, and NRI buyers. 2. Product Overview | Feature | Details | |---------|---------| | Loan Amount | ₹3 Lakh – ₹5 Crore+ (higher for high-value properties) | | Tenure | Up to 30 years (or up to retirement age for salaried) | | Interest Rate Type | Fixed, Floating (linked to ICICI’s RLLR + spread) | | Processing Fee | Up to 1% of loan amount + GST (waived during promotions) | | Pre-payment | No penalty for floating rate loans (RBI mandate); fixed rate may have 2-4% charge | | Overdraft (MaxGain) | Yes – current account linked home loan with surplus deposit offset | 3. Interest Rate Structure (Indicative – April 2026) | Loan Slab / Category | Floating Rate (p.a.) | Fixed Rate (p.a.) | |----------------------|----------------------|--------------------| | Salaried – CIBIL ≥ 750 | 8.50% – 9.15% | 9.75% – 10.25% | | Self-employed – CIBIL ≥ 750 | 8.70% – 9.35% | 9.90% – 10.40% | | Affordable housing (up to ₹35L) | 8.35% – 8.85% | Not recommended | | NRI Home Loan | 9.00% – 10.00% | 10.25% – 11.00% |
Last 3 years ITR (computed) + P&L + Balance Sheet + GST returns + Business proof
Date: April 14, 2026 Sector: Retail Banking / Housing Finance Institution: ICICI Bank Limited (India) 1. Executive Summary ICICI Bank is one of India’s largest private sector lenders, offering competitive home loan products across salaried and self-employed segments. Known for digital-first processing, quick disbursals, and flexible repayment options, ICICI competes directly with HDFC Ltd., SBI, and LIC Housing Finance. The bank has aggressively adopted repo-rate-linked lending (RLLR) and offers special schemes for green homes, affordable housing, and NRI buyers. 2. Product Overview | Feature | Details | |---------|---------| | Loan Amount | ₹3 Lakh – ₹5 Crore+ (higher for high-value properties) | | Tenure | Up to 30 years (or up to retirement age for salaried) | | Interest Rate Type | Fixed, Floating (linked to ICICI’s RLLR + spread) | | Processing Fee | Up to 1% of loan amount + GST (waived during promotions) | | Pre-payment | No penalty for floating rate loans (RBI mandate); fixed rate may have 2-4% charge | | Overdraft (MaxGain) | Yes – current account linked home loan with surplus deposit offset | 3. Interest Rate Structure (Indicative – April 2026) | Loan Slab / Category | Floating Rate (p.a.) | Fixed Rate (p.a.) | |----------------------|----------------------|--------------------| | Salaried – CIBIL ≥ 750 | 8.50% – 9.15% | 9.75% – 10.25% | | Self-employed – CIBIL ≥ 750 | 8.70% – 9.35% | 9.90% – 10.40% | | Affordable housing (up to ₹35L) | 8.35% – 8.85% | Not recommended | | NRI Home Loan | 9.00% – 10.00% | 10.25% – 11.00% |
Last 3 years ITR (computed) + P&L + Balance Sheet + GST returns + Business proof icici housing loan
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