Overview – Apna Ghar for Self-Employed

Apna Ghar is unlike any home loan you have ever come across. Whether you run a small kirana shop or a fast food store, whether you are a trader or own a company, Apna Ghar is built to support you – from the application process to the eligibility norms to the repayment options. 

ICICI HFC’s Apna Ghar offers you a subsidy benefit of up to Rs 2.67 lakhs on home loans under the Pradhan Mantri Awas Yojana’s (PMAY). If your dream home takes you into gated communities, gram panchayats and regularised colonies, we will support you. If you cannot arrange formal income proofs like ITR, we will support you. If you have found it difficult to get a home loan in the past or have never really believed you could get one, we will support you!

At each of our 135+ ICICI HFC branches, you will find friendly, helpful local experts who will change how you feel about the process of seeking a loan.

Key Features and Benefits of Apna Ghar for Self-Employed

Easy eligibility

Getting a home loan is quicker with Apna Ghar due to our flexible eligibility norms and basic document requirements. Even if you don’t have formal income proof documents like ITR, but have a good history of repaying loans, our local experts will help you get the support you need.

Tip: To increase your eligibility, you can even add a co-applicant like your spouse or immediate family member.

Housing for all

Apna Ghar helps home buyers across income segments. Whether you are a salaried individual, a kirana shop owner, a barber, a scrap shop owner, or own any other business that has been running for a few years, Apna Ghar can give you the opportunity to become a homeowner.

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.

Shift to ICICI HFC

Already been repaying a home loan for 2-3 years at an interest of rate of more than 11% p.a. If your home loan interest is at least 50 basis point higher than our, shift to ICICI HFC with our Balance Transfer facility to reduce your EMI burden, enjoy competitive interest rates and get undivided attention from our experts.

Homes at various stages

Whether you live in the heart of a metro city or on its outskirts, you can get a home loan up to Rs 20 lakhs (salaried) or Rs 50 lakhs (self-employed) based on your job profile, your chosen property, and its location. You can get a loan for a self-constructed property or to construct a house on a plot of land you own or to refinance a residential property in regularised colonies and gram panchayats.

Eligibility of Apna Ghar for Self-Employed

  • Nationality

Indian, residing in India

  • Age Limit(Primary applicant)

30 years to 70 years (Choose a tenure that ends before you turn 70 years of age. This will ensure that you complete repayment while you can comfortably manage your business and then hand it over)

  • Apna Ghar Interest Rate

We are committed to ensuring competitive interest home loans; our present housing loan interest rates are:

  • SEP - 11.75% p.a. onwards

  • SENP – 12.00% onwards

  • AIP/Cash salary – 13.25% p.a. onwards

  • Co-owned Property

ICICI HFC provides better interest rates to women to encourage them to apply as co-applicants If you add your wife or mother to your home loan, you may be able to get a lower interest rate, even if they are not earning.


  • Age Limit

18 years to 80 years

  • Why should you add a co-applicant?

  • If you want to increase your home loan eligibility, you can add co-applicants, even if they are not earning. This can also help you to be eligible for a larger home loan. Your co-applicant can be your spouse or immediate family member.

  • Woman co-applicant can get lower interest rates on Home Loan

Why take a loan 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 support you need. Click here to 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 neighbourhood 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 Rs 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


PMAY Subsidy Calculator

Find out if you are eligible for the Pradhan Mantri Awas Yojana (PMAY) and how much subsidy you can get with our PMAY Subsidy Calculator

Have you availed central assistance under any housing scheme from Govt. or any benefit under PMAY?
Is this your First Pucca House?
Enter Total Annual Family Income
Thirty Thousand
Loan Amount
Ten Lakhs
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8 year's and 1 month

PMAY Subsidy Amount


Subsidy Category


Net Reduction in EMI

Net Reduction value

Fill Details Below

Please Enter Your Full Name
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Please Enter Loan Amount
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Please accept the terms & conditions

Documents Required for Apna Ghar 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 PAN card, Voter ID card, Aadhaar, etc.
  • Income proof, such as latest 2 income tax returns, latest two years financials including P&L accounts and B/S (with schedules), six-month bank statement, etc.
  • Property documents (unless you have not finalised a property).

Rates and Charges for Apna Ghar for Self-Employed

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% (self-employed) 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.

* 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 the 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.


In line with its objective of ‘housing for all by 2022’, the Government of India has launched affordable housing or low-cost housing scheme under Pradhan Mantri Awas Yojana (PMAY) to help people with low income, buy a home.

The benefits under the affordable housing scheme include an interest subsidy on housing loan availed for acquisition/construction of the house (including repurchase) in an urban area. The subsidy benefit depends on one’s income and size of the house/property to be purchased.

At ICICI Home Finance, we understand that differentpeople have different financial needs and priorities. With ICICI HFC Apna Ghar Home Loan, you can opt for a longer repayment term beyond 20 years which will help you lessen your EMI burden. However, the subsidy benefit will be restricted to a maximum term of 20 years.

The mandatory minimum down payment for an Affordable Housing Loan is 20 per cent of the total cost of the house / property.

Thus, if you decide to buy a house worth Rs 30 lakh and avail ICICI HFC Apna Ghar Home Loan designed especially for affordable housing schemes, you will need to make a minimum down payment of Rs 6 lakh which is 20 per cent of the cost of the house.

An affordable housing loan like ICICI HFC Apna Ghar can be availed for purchase / construction / enhancement of a dwelling unit. Enhancements can include additions like construction of an additional floor or a toilet to your existing home. Repurchase of a house / property is also allowed under affordable home loan.