Apna Ghar Dreamz for Self-Employed - Overview

At ICICI Home Finance, we aim to offer loans to the hard-working professionals in the informal sector of the economy and local business people to fulfil their dream of owning their ‘Apna Ghar’. Since our branch employees are local residents with an understanding of the regional economy, our in-house legal and technical experts assist in processing home loans applications in a quick and hassle free manner with minimal documentation.

‘Apna Ghar Dreamz’, is launched specially for skilled professionals such as carpenters, plumbers, electricians, tailors, painter, welders, auto mechanic, manufacturing machine (Example Lathe, CNC) operator, laptop / computer/ RO repair technician, as well as small and medium sized business owners. The loan amount offered ranges from ₹ 2 - 30 lakhs. ‘Apna Ghar Dreamz’ home loan is targeted at the informal segment of the population who wish to purchase their own home, but may not have all documents that a formal financial institution would require.

Customers seeking to avail of the ‘Apna Ghar Dreamz’ home loan need only provide details of their Pan card, Aadhar card, bank statement proof of past six months and a minimum account balance ₹1500 for loan upto 5 lacs and ₹ 3000 for above 5 lacs respectively.  Individuals can walk into their nearest ICICI Home Finance branch location to avail the special 20-year tenure, micro home loan.

Customers can also avail all the benefits of Pradhan Mantri Awas Yojana (PMAY) which is a credit-linked subsidy scheme (CLSS) for Lower Income Groups/ Economically Weaker Sections (EWS/LIG) and Middle Income Groups (MIG – I & II). Under PMAY- CLSS, a borrower is eligible for maximum subsidy of up to ₹ 2.67 lakh.

Apna Ghar Dreamz for Self-Employed - Features and Benefits

Income Proof documents not Mandatory to avail Home Loan

Subsidy upto ₹2.67 lakhs under PMAY

Quick loan disbursal

It can take as little as 72-hours to get your loan disbursed because we have a team of legal and technical experts to guide you at each of our 135+ ICICI HFC branches. Our experts can review your application on the spot and answer all your questions face-to-face, so that you do not have to make multiple visits.

Avail upto 80% of home's market value

Apna Ghar Dreamz for Self-Employed - Eligibility Criteria

  • Nationality

Indian, residing in India

  • Age

Income considered: 23 - 70 years ; Income not considered: 18 - 80 years

  • Minimum income

₹ 7,000 p.m

  • Loan Amount

₹2 lakh to ₹30 lakh( Upto ₹50 lakh in Mumbai/Delhi)

  • Repayment Period

Upto 240 months

Why to take Apna Ghar PMAY Scheme from ICICI HFC?

Apna Ghar is a first-of-its-kind home loan for people who have never taken a loan before, or have a good history of repaying loans but do not have formal documents. We build products like Apna Ghar with easy eligibility criteria because we support your dream of owning a home.

You can get a loan in as little as 72 hours. We have a team of legal and technical experts present at each one of our 135+ ICICI HFC branches who review your loan application on the spot without repeated requests for documents. You can also walk into your nearest ICICI Bank branch to start your loan process.

A major advantage of walking into your nearest ICICI HFC is the special offers. Our in-house experts will guide you through the benefits of each of the offers, so you can find one that truly helps you. Walk in to find the deal of the day. 

Our local experts will guide you at every step of your home buying journey. They speak your language and are familiar with your locality. They are committed to getting you the financial assistance you require. Find the branch closest to you and meet a friendly face. 

When you take a loan from us, you become a part of the ICICI HFC family. As an existing customer of ICICI HFC, your application can be reviewed quickly, as many checks are already done, and documents are already in our system. Whether you need a home loan today, a gold loan tomorrow, or an FD to grow your savings, we can help you. 

Where to apply

Walk into any one of our ICICI HFC branches for help. Our neighborhood experts can assist you through our quick and easy home loan application process and get your loan disbursed in as little as 72 hours. Contact your nearest ICICI HFC branch today.  If you don’t have an ICICI HFC branch near you, walk into your nearest ICICI Bank branch to start your loan application process.

You can also give us a call on 1800 267 4455.

How to apply

  1. Take 10 minutes time to submit your loan application form along with the required documents
  2. Pay login fee of ₹ 3000+ GST @18% (non-refundable) to carry out KYC checks
  3. Get your loan application quickly reviewed by our team of experts who study your existing EMIs, age, income, and property
  4. Get a loan amount approved and sanctioned by our team of experts who are present at each ICICI HFC branch
  5. Pay a processing fee equal to 2% of the loan amount + GST @18%
  6. The approved loan amount will be disbursed, basis the stage of construction of your property

Documents Required for Apna Ghar Dreamz for Self Employed

Submit these documents and get your loan approved in as little as 72 hours without having to make multiple visits approved.

  • Fully filled application which you have signed
  • Identity and residence proof (KYC), such as Aadhaar card, PAN card, Voter ID card, Job card issued by NREGA, etc.
  • Six Months Bank statement( Min Balance ₹1,500 for loan upto ₹5 lakh and ₹3,000 for loan above ₹5 lakh )
  • Property documents (unless you have not finalized a property)

Apna Ghar Dreamz Affordable Housing Scheme for Self-Employed Fees & Charges

We make it a point to be transparent about our rates and charges. 

Charges Rates*

Login Fee (for KYC checks and other documents)

₹ 3000 + 18% GST*

Processing/ Administrative Fees (Charged at the time of sanction)

2% of the loan amount + GST @18%*

Prepayment charges

Sr. No


Prepayment Charges



Floating rate loan where purpose of loan is not for business

and one of the borrower is an individual

Charges applicable NIL



Floating rate loan where purpose of loan is for business(non- Home loan)

and borrowers are individuals and/or non-individual/s

4% of the outstanding loan amount

+applicable taxes



Fixed rate housing loan or limited period fixed rate housing loan*

2% +applicable taxes



Fixed rate non housing loans

4% + applicable taxes

*For Fixed, pre-payment charges are applicable if not prepaid from customer’s own sources

# The expression “own sources” for this purpose means any source of funds other than borrowing from a bank or Financial Institution.

Disclaimer: The rates, fees, charges etc. as stated herein above are subject to changes/revision from time to time. Pre- Payment/Foreclosure charges shall be applicable as per contracted rate or rates as per regulatory norms prescribed, if any.

Note: Please add “Documents Required” and “Charges” tab in the main section under PMAY>Apna Ghar Dreamz Salaried and Self employed” both. Currently, these two tabs are not present. 

* The above amounts & percentages are exclusive of applicable taxes and other statutory levies, if any such amounts shall include all amounts prepaid during the given financial year.

# Goods and Services Tax (GST) and other government taxes, levies, etc. applicable as per the prevailing rate will be charged over and above these charges.


The rates, fees, as stated hereinabove, are subject to changes/ revision from time to time at the sole discretion of ICICI Home Finance Company

The floating interest rate on ICICI Home Finance is linked to ICICI Home Finance Company Prime Lending rate (IHPLR). 

The Calculator is intended to be used for guiding purpose only, it is not an offer and it’s results may vary from actuals.