Home Loan
ICICI Bank Home Loan Review 2026
Tech-savvy borrowers who prefer digital application process
★★★★★★4.4
Last updated: 15 December 2025Key Highlights
✓Digital application via iMobile app
✓Zero prepayment charges on floating rate
✓Balance transfer facility
✓Doorstep document collection
✓Concession for women borrowers
Interest Rates & Fees
Rates & Charges
| Interest Rate (Min) | 8.75% p.a. |
| Interest Rate (Max) | 10.1% p.a. |
| Interest Rate Type | Floating |
| Processing Fee | 0.50% of loan amount |
| Prepayment Charges | Nil for individual borrowers on floating rate |
| Foreclosure Charges | Nil for floating rate |
Loan Details
Loan Parameters
| Minimum Loan Amount | ₹5 Lakh |
| Maximum Loan Amount | ₹10 Crore |
| Minimum Tenure | 5 years |
| Maximum Tenure | 30 years |
| EMI per Lakh | Rs 786 per lakh for 30 years at 8.75% |
| Disbursal Time | 5–10 working days after document verification |
Rating Breakdown
features
4.5/5
value
4.2/5
support
4.4/5
benefits
4.4/5
Pros & Cons
✓Pros
- ✔Digital application via iMobile app
- ✔Rates starting at 8.75%
- ✔Doorstep document pick-up
- ✔Balance transfer with top-up loan
- ✔No prepayment charges on floating rate
✗Cons
- ✘Processing fee of 0.50%
- ✘Rates vary based on occupation and gender
- ✘Long documentation process
Eligibility Criteria
- ●Age: 23 to 62 years (salaried), 25 to 70 years (self-employed)
- ●Minimum net monthly income: Rs 30,000
- ●Minimum work experience: 2 years
- ●CIBIL score: 750+
Documents Required
- 📄PAN Card
- 📄Aadhaar Card
- 📄Latest salary slips (3 months)
- 📄Bank statements (6 months)
- 📄ITR for last 3 years (self-employed)
- 📄Property documents
- 📄No Objection Certificate from builder
Frequently Asked Questions
ICICI Bank Home Loan offers interest rates ranging from 8.75% to 10.1% per annum (floating rate). The actual rate depends on your credit profile, income, and existing relationship with ICICI Bank.
The processing fee for ICICI Bank Home Loan is 0.50% of loan amount. This is a one-time fee charged at the time of loan disbursement.
You can borrow up to ₹10 Crore with ICICI Bank Home Loan. The minimum loan amount is ₹5 Lakh.
Prepayment charges for ICICI Bank Home Loan: Nil for individual borrowers on floating rate. Foreclosure charges: Nil for floating rate. Check with ICICI Bank for the latest terms.
ICICI Bank Home Loan typically takes 5–10 working days after document verification for disbursal after application and document verification.
