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en/loans/home-loan
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Get ₹1.80 Lakh Subsidy
Get ₹1.80 Lakh Subsidy
Get ₹1.80 Lakh Subsidy
Get ₹1.80 Lakh Subsidy
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en/loans/home-loan/pmay-u-2-0
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PMAY-U 2.0 ke saath ab desh
PMAY-U 2.0 ke saath ab desh
PMAY-U 2.0 ke saath ab desh
PMAY-U 2.0 ke saath ab desh
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Check Eligibility
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Get ₹1.80 Lakh Subsidy
Get ₹1.80 Lakh Subsidy
Get ₹1.80 Lakh Subsidy
Get ₹1.80 Lakh Subsidy
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true
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true
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PMAY-U 2.0 ke saath ab desh karega Griha Pravesh
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PMAY-U 2.0 ke saath ab desh karega Griha Pravesh
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PMAY-U 2.0 ke saath ab desh karega Griha Pravesh
https:www.google.com
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true
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Get ₹1.80 Lakh Subsidy
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Get ₹1.80 Lakh Subsidy
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Calculate Home Loan EMI and Eligibility
EMI Calculator
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Eligibility Calculator
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EMI Cal
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home-loan-emi-cal
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emi
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For representation purposes only. Final values may vary subject to company policy.
EMI Cal
home-loan-eligiblity
home-loan-eligiblity
false
eligibility
Eligible Loan Amount
Your EMI
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For representation purposes only. Final values may vary subject to company policy.
Calculate your LAP EMI
EMI Cal
lap
home-loan-emi-cal
false
emi
Your EMI
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For representation purposes only. Final values may vary subject to company policy.
Calculate your FD returns
FD form
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eligibility
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Maturity amount shown is indicative, subject to TDS and periodic interest calculations. Applicable only for Public Deposits.
5,00,000
For Tenure of 39 Months
1,00,000
For Tenure of 45 Months
true
1,00,000
For Tenure of 12 Months
Check PMAY-U 2.0 Eligibility
PMAY
pmay-cal
false
eligibility
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A Guided Journey From Start to Finish
Check eligibility on WhatsApp
1
Apply for Home Loan
2
We evaluate and sanction the loan
3
Once approved, the loan is released
4
Near-Zero Paperwork & Personal Guidance
Why Thousands Like You Trust ICICI HFC
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Better Eligibility
We consider diverse income sources to help you get your home loan
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Loans That Fit You
Our home loans are designed to suit your profile and property choice
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Easy Application
Apply online using PAN, Aadhaar, bank statement, and property papers
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Digital + Human Touch
Fully online application and loan experts ready to help you
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The ICICI Trust
Decades of financial expertise, trust, and stability
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Our Wide Range of Solutions
Home Loan
Home Loan
Plot + Construction
Plot + Construction
Loan Against Property
LAP
PMAY-U 2.0 Subsidy
PMAY-U 2.0
Fixed Deposit
Fixed Deposit
Other Loan Products
Other Loan Products
Home Loan
Buy or build a home, transfer your loan, or top-up to renovate – flexible home loan plans for your unique profile and requirements.
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Plot + Construction
Avail funds for plot purchase and house construction – Get the best Plot and Construction Loan, so you can build your dream home, your way.
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Loan Against Property
Take a Loan Against Property (LAP) and ensure you don’t miss out on the chance to expand your business. Already have a LAP with another financial institution? You can easily transfer your existing LAP to us and enjoy better terms.
Know More
PMAY-U 2.0 Subsidy
Secure affordable housing with expert support, helping you avail Govt. subsidy of up to ₹1.80 lakh under PMAY-U 2.0 on your ICICI HFC home loan.
Know More
Fixed Deposit
In just a few clicks, book an FD and grow your money – reliable, safe, and fixed high returns backed by ICICI’s legacy of trust.
Know More
Other Loan Products
From Real Estate Finance to Lease Rental Discounting and Commercial Property Purchase Loans, we offer tailored options to meet your needs.
Hear From Our Customers
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Amit Anand Chavan
Thane, Maharashtra
Fantastic experience while going through my first home loan through ICICI HFC.
S Ramesh
Bangalore, Karnataka
The ICICI representative was a very good person and made everything very easy.
Parvesh
Mohali, Punjab
Time to time everything was done and the process was very good.
Delli Babu
Chennai, Tamil Nadu
All doubts were clarified during the loan process by ICICI staff.
General
Who are the principal regulators responsible for overseeing ICICI Home Finance's operations?
ICICI Home Finance Company (ICICI HFC) is regulated by the Reserve Bank of India (RBI) and the National Housing Bank (NHB), the key authorities governing private housing finance companies in India.
How can I get in touch with ICICI HFC regarding my loan requirement, loan application or existing account?
You can reach ICICI Home Finance by calling 022 7107 2220 or emailing customer.care@icicihfc.com. Our representatives will assist you with all your housing loan queries.
What distinct advantages does ICICI HFC offer for individuals seeking housing or home finance solutions?
ICICI HFC offers higher loan eligibility, minimal documentation, and quick approvals. These benefits make us a preferred housing loan company for home buyers across the country.
How reliable and safe is an investment in ICICI Home Finance Fixed Deposits?
ICICI HFC Fixed Deposits are rated AAA/Stable by CRISIL, ICRA, and CARE, reflecting the highest level of safety.
What is the scope of financing solutions offered by ICICI HFC for housing purposes?
ICICI HFC offers a wide range of housing finance solutions, including Home Loans, Loan Against Property (LAP), Balance Transfer, Home Renovation Loans, and Plot plus Construction Loans. As a top-rated home loan company in India, we serve both salaried and self-employed customers.
What essential documents must I have when preparing to submit a home loan application?
You’ll need PAN, KYC documents, salary slips (for salaried applicants), bank statements, income proof (ITR), and property documents. These are standard requirements for most housing finance companies and mortgage loan companies.
Interest Rate and Eligibility
What is the fastest method to determine my eligibility for an ICICI HFC home loan?
You can instantly check your eligibility using our Home Loan Eligibility Calculatoror the WhatsApp Sanction journey. As a leading home finance company, we simplify every step of the home loan process.
Are self-employed professionals eligible to secure housing finance from ICICI HFC?
Yes. ICICI HFC provides home loans to self-employed professionals such as chartered accountants, company secretary, doctors, lawyers, and others.
How is the final amount of my home loan’s Equated Monthly Instalment (EMI) determined?
Your EMI is calculated based on the loan principal, interest rate, and tenure. ICICI HFC, a trusted mortgage loan company, uses the FOIR (Fixed Obligations to Income Ratio) formula to determine the loan amount best suited to your income.
Repayment & Support
Is it possible to partially or fully close my home loan balance ahead of schedule with ICICI HFC?
Yes, you can foreclose or part-prepay your floating rate home loan as per ICICI HFC’s policy.
Can I port my current home loan from another institution to ICICI HFC?
Yes. ICICI HFC offers Balance Transfer and Top-Up Loan facilities, allowing you to move your existing home loanto us for better rates and convenience. Only loans that have been active for more than 6 months with your current institution can be transferred.
What different methods are available for repaying housing loans provided by ICICI HFC?
You can easily repay your loan using eNACH or auto-debit facilities. ICICI HFC, ensures a smooth and secure repayment experience.
How can I access my home loan account statement digitally?
You can request for your home loan statement anytime through our Loan Service Portal, making account management simple and transparent.
How do I monitor the real-time status of my Home Loan application with ICICI HFC?
You can check your loan application status online through the View My Application portal on our website—quick and easy.
What makes ICICI HFC the preferred choice for fulfilling my home finance requirements?
ICICI HFC stands out as one of the top home loan companies in India due to its wide range of products, higher eligibility, fast processing, and customer-first approach.
Affordability Related
What strategies can I use to purchase a property successfully with limited financial means?
You can benefit from the Pradhan Mantri Awas Yojana (PMAY) subsidy to reduce your effective loan burden.
What is the recommended method for calculating home affordability before submitting a loan application?
Use the ICICI HFC Eligibility Calculator to estimate the loan amount you can avail or use our WhatsApp Sanction journey for quick provisional sanction.
Which principal variables influence and determine the eligibility for a comfortable home loan amount?
Eligibility depends on factors like income, FOIR (Fixed obligations to income ratio), credit score, co-applicant’s income, and property type. Our team ensures you get the most suitable plan.
Based on my current income, what is a realistic price range for a home I can comfortably afford?
Use our Eligibility Calculator to estimate how much you can borrow and choose a property that fits your budget.
Frequently Asked Questions
Still got questions? We have answered them. Select the category to explore the FAQs.
Product Related
What are the primary benefits associated with choosing a home loan that includes a government subsidy?
Under PMAY-U 2.0, eligible customers can receive an interest subsidy of up to ₹1.80 lakh directly credited to their home loan account.
Does ICICI HFC provide home loan options designed for individuals who are self-employed?
Yes. ICICI HFC offers dedicated home loan options for Self-Employed Professionals (SEP) and Self-Employed Non-Professionals (SENP)
What distinct advantages does ICICI Home Finance offer to those purchasing a home for the very first time?
First-time buyers enjoy PMAY subsidy benefits, simple documentation, higher eligibility, and faster disbursal.
How does a home loan function when integrated with the Pradhan Mantri Awas Yojana (PMAY) scheme?
Under PMAY, the interest subsidy is credited directly to your loan account after verification. The loan must be availed from a PMAY-linked financial institution like ICICI Home Finance Company—one of the most trusted mortgage loan companies and private housing finance companies in the country.
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