Balance Transfer and Top Up (HL)
The ICICI HFC Service Edge
Backed by decades of ICICI’s reliability and trust
Raise a service request anytime, anywhere on Loan Service portal
Get extra top-up funds for home upgrades, repairs, or renovations
Longer repayment period when you transfer your loan to us
Ready for a BT Upgrade? Let’s Find Out!
Criteria | Express BT | Normal BT |
|---|---|---|
Eligible Profiles | Self-employed and Salaried | Self-employed non-professional / Salaried |
Age | Self Employed: 23 to 70 years Salaried: 21 to 60 years | Self Employed: 23 to 70 years Salaried: 21 to 60 years |
Bureau Score | 725 and above | 725 and above |
Min EMI Served | 12 months | 12 months |
Maximum Loan Amount | ₹5 crore | ₹5 crore |
Eligibility | Eligibility basis customer repayment track record | Eligibility basis customer income (Min. Income: 12,000+ per month) |
Top Up | Top Up as % on original loan amount 1) 12-18 months → 100% 2) 19-24 months → 120% 3) >24 months → 135% | Top up as % of BT Principal Outstanding 1) 12–18 months → 20% 2) 19–24 months → 50% 3) >24 months → 100% |
- Express BT: Transfer of loan on the basis of repayment track record
- Normal BT: Transfer of loan on the basis of income eligibility
Disclaimer: Subject to ICICI HFC internal policies
Switch to Save for ICICI HFC Advantage
With ICICI HFC, enjoy the advantage of digital processes, better service, and easy top-up funding whenever you need it. However, applying without the necessary documents can lead to delays and result in the loss of your application fee. Before you begin, make sure you have:
Your 3-Step Home Loan BT Journey
Step 1: Apply Online
Share your details and submit the BT request
Step 2: Submit Documents
Submit the required KYC, property, income and loan documents from your current lender and other verifications like income assessment, legal, technical and personal discussion to be conducted
Step 3: Loan Disbursal & Approval
Once verified, agreement is signed and your loan is transferred to ICICI HFC
Know Your BT Service Charges
Charges | Details |
|---|---|
Interest Rate Range | Fixed Rate - 11.10% - 23.00% Floating Rate - 8.10% - 17.70% |
Login Fee | ₹3,000 onwards + applicable taxes |
Processing Fee | 0.5% - 3.0% of loan amount + applicable taxes |
A home loan balance transfer allows you to move your existing housing loan from another lender to ICICI HFC. This helps you benefit from a lower interest rate, improved service, and flexible repayment options. You may also apply for a top up loan on home loan, depending on your eligibility.
Frequently Asked Questions
Still got questions? We have answered them. Select the category to explore the FAQs.