Services & Charges

ICICI Home Finance (ICICI HFC) ensures that you get the best Mortgage Loans in terms of interest rates and other facilities. You can choose from Adjustable, Fixed or Floating Rate of interest Mortgage Loan.

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CHARGES

MORTGAGE LOANS

Non- Refundable Login fees and Processing fees

0.50%-3.00% plus applicable taxes and other statutory levies, if any

Part Prepayment Fees

NIL

Cheque/ECS/NACH/Payment Instrument dishonour Charges, per transaction

₹ 500/- (Rupees Five Hundred Only) or such other amount as may be specified by ICICI HFC from time to time plus applicable taxes and other statutory levies.

Copy of original documents

₹ 1000/- (Rupees One Thousand only) plus applicable taxes and other statutory levies, if any.

Repayment mode swap charges (PDC to PDC)

₹ 1000/- (Rupees One Thousand only) plus applicable taxes and other statutory levies, if any.

Charges for Amortisation Schedule

₹ 100/- (Rupees One Hundred only) plus applicable taxes and other statutory levies, if any.

List of Documents

₹ 500/- (Rupees Five Hundred only) plus applicable taxes and other statutory levies, if any.

Charges for swap of property

₹ 10000/- (Rupees Ten Thousand only) plus applicable taxes and other statutory levies, if any.

Penal Charges in the event of default/delay in payment/repayment of any part of the loan amount on due date

1.50% per month (p.m.), on the over due/defaulted amount over and above the applicable Interest Rate plus applicable taxes and other statutory levies, if any.

Penal charges in the event of breach of other material terms (other than payment default)

ICICI HFC reserves the right to levy and recover the applicable Penal Charges at its sole discretion, at the rate specified hereinabove on the outstanding amount plus applicable taxes and statutory levies, if any.

Charges for Statement of account

₹ 100/- (Rupees One Hundred only) plus applicable taxes and other statutory levies, if any.

Charges for prepayment statement

₹ 500/- (Rupees Five Hundred only) plus applicable taxes and other statutory levies, if any.

Charges for duplicate NOC/No due certificate

₹ 500/- (Rupees Five Hundred only) plus applicable taxes and other statutory levies, if any.

Conversion charges

0.50% for housing loan, 1.00% for the non-housing loan plus applicable taxes and other statutory levies, if any, on principal outstanding.

Charges on account of non submission of any Payment Instrument(PDC/NACH Mandate form, electronic security mandates etc.) for payment of Instalment, per transaction

₹ 2000/- (Rupees Two Thousand only) plus applicable taxes and other statutory levies, if any.

Documents Retrieval Charges

₹ 500/- (Rupees Five Hundred only) plus applicable taxes and other statutory levies, if any.

Cheque/Repayment Mode swap charges other than PDC to PDC

₹ 500/- (Rupees Five Hundred only) plus applicable taxes and other statutory levies, if any.

Stamp Duty and other statutory charges

As per Applicable Law.

Full Prepayment/Foreclosure Charges

The foreclosure/prepayment charges on the facility/loan shall be NIL.

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.

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PENAL CHARGES ON REAL ESTATE FUNDING

REAL ESTATE FUNDING

Penal Charges in the event of default/delay in payment/repayment of any part of the loan amount on due date

1.50% per month (p.m.), on the overdue/defaulted amount over and above the applicable Interest Rate (plus applicable taxes or other statutory levies, if any)

Penal charges in the event of breach of other material terms (other than payment default)

2.00% per annum, on the outstanding amount (plus applicable taxes or other statutory levies, if any).

Whenever there is change in Rate, the same will be communicated through online or offline mode.

Note:

All the fees & charges mentioned above are non refundable in nature.
Goods and Services Tax and other govt. taxes, levies, etc. applicable as per the prevailing rate will be charged over and above these charges.
In order to facilitate easier / faster and secured transactions, ICICI Home Finance Company Limited offers e- payment and e-receipt services to its customers.
The floating interest rate on ICICI Home Finance is linked to the ICICI Home Finance Prime Lending rate (IHPLR).
The ICICI Home Prime Lending Rate (IHPLR) has been decreased by 15 basis points (i.e. 0.15%) with effect from July 01, 2025. Thus, the IHPLR has been reduced to 18.90% p.a. from 19.05% p.a.

For any request with regards to above-mentioned matters, please get in touch with our customer service or visit to the nearest branch.

Range of Interest rates for Mortgage Loans - Floating

Quarter 3- FY 2025-2026

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Loan Type

Minimum ROI

Maximum ROI

Mean/ Yield

Housing

7.80%

15.95%

9.62%

Non-Housing

9.00%

16.00%

11.54%

Notes :

The range of interest rates provided above is with respect to loans to individuals disbursed during Quarter 3 - FY 2025-2026.
Mean rate = Sum of rate of interest of all loan accounts / Number of all loan accounts.
The floating rate loans will range from 7.50% to 20.00%. Gradation of Interest will be based on factors such as Credit Bureau, income, type of collateral, customer profile, type of product etc.

Range of Interest rates for Mortgage Loans - Fixed

The fixed rate loans will range from 11.80% to 23.00%. Gradation of Interest will be based on factors such as Credit Bureau, income, type of collateral, customer profile, type of product etc.

Annual Percentage Rate

The Annual Percentage Rate (APR) is a method to compute annualized credit cost which includes interest rate and loan origination fee.

To calculate the annualized credit cost, please click here to download the APR calculator.