Overview – Top-Up for Salaried

We understand that buying and building a home loan takes effort. It is the biggest investment of your life, after all. While you work hard to ensure you make every payment on time, some unexpected expenses can arise along the way.

Whether you need to increase your home loan amount, furnish your new home or for other personal requirements like your child’s education or marriage, why not maximise the benefits of having a home? As an existing ICICI HFC customer, you can get a Top Up Loan of up to ₹ 1.5 crores at competitive interest rates and pay it back in up to 20 years.

Even if you aren’t a part of the ICICI HFC family, you can opt for Balance Transfer (BT) and enjoy lower interest rates and the added benefit of a Top Up Loan. The experts at each of our 135+ ICICI HFC branches are always there to guide you through the process and answer your questions.  

Key Features & Benefits – Top-Up for Salaried

Easy eligibility

It is simple to get a Top Up Loan from ICICI HFC if you have been a customer of ICICI HFC for at least one year as your details would already be present in our system. Even if you don’t have formal income proof documents such as ITR, our local experts are trained to assess your income so that they can help you determine the loan amount you can comfortably repay. To increase your eligibility, you can even add a co-applicant, who could be your spouse or immediate family member.

Loans for all homeowners

Our Top Up Loan helps both salaried individuals like government employees and corporate professionals, as well as self-employed individuals like doctors, lawyers, CAs, traders and small business owners. Whether your need is big or small, we finance them all. 

Quick loan disbursal

Being an existing customer, most of the checks would already have been done. At every one of the 135+ branches of ICICI HFC, we have a team of legal and technical experts to help you. These experts can review your application on the spot and assess your repayment history on the spot, so that you do not have to make multiple visits. 

Easy transfer

Even if you already have a home loan, you can shift to ICICI HFC to reduce your EMI burden and get undivided attention from our local experts and competitive interest rates. You can shift your home loan to ICICI HFC with our Balance Transfer (BT) facility and apply for a Top Up as well.

Eligibility - Top-Up for Salaried

To avail of a Top Up loan you must have made payments on your existing home loan. In case you want to understand this condition better or are looking for a better solution, walk into any of our 135+ branches and our experts will help you. 

  • Nationality

Indians, residing in India and Non-Resident Indians

  • Age Limit (Primary applicant)

21 years to 60 years for resident Indians & 23 years to 60 years for NRIs

  • 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 65 years

  • Why should you add a co-applicant?

  • If you want to increase your home loan eligibility, you can add a co-applicant, 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.

  • Because ICICI HFC provides better interest rates to women to encourage them to apply as co-applicants.

Why take a loan from ICICI HFC?

Walk into any of our branches to meet your local experts. They are committed to helping you at every step of your journey, from buying a plot to building your home. They understand your desire to make this decision and are familiar with your locality. Click here to find the branch closest to you and get the right kind of guidance face-to-face. Our experts are committed to getting you the financial support you need. 

It is always better to sit across the table and get your questions answered all at once. You can have this experience at every one of our 135+ ICICI HFC branches or walk into your nearest ICICI Bank branch to get your loan process started. Our local experts are just around the corner, waiting to help you get a plot loan as quickly and as easily as possible. 

We have easy eligibility norms and require very few basic documents. We also have a team of legal and technical experts physically present at every one of our branches, so your loan application can be reviewed at the branch itself without repeated requests for documents or multiple visits. 

A major advantage of walking into your nearest ICICI HFC or ICICI Bank branch 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. 

When you take a loan from us, you become a part of the ICICI HFC family. It’s not just an investment in a home, but in a relationship. As an existing customer of ICICI HFC, your application can be reviewed more quickly, as many checks are already done, and documents are already in our system. Today, you may need a plot loan to make your dream home a reality. But tomorrow, if you need some urgent financial help, or if you are expanding your business, or looking for an FD to grow your savings, we can help you. 

Where to apply

Walk into any one of our ICICI HFC branches to get all the help you need. Our neighbourhood experts can assist you through our quick and easy plot loan application process. We require very basic documents and offer you flexible eligibility norms. Click here to find your nearest branch.  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 at 1800 267 4455.

How to apply

  1. Take 10 minutes to submit your loan application form along with the required documents
  2. Pay a non-refundable login fee of ₹ 5000 applicable taxes to complete your 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 every ICICI HFC branch.
  5. Pay a processing fee equal to 0.75% of the loan amount or ₹ 11,000 applicable taxes, whichever is higher
  6. The approved loan amount will be disbursed, basis the value of your home.

Documents Required for Top-Up for Salaried

We require very few basic documents from you to complete the application process. Along with the standard documents needed to apply for a Home Loan, you would need to submit your EMI receipts for your existing Home Loan for at least 12 months.

Salaried Individuals
  • Fully filled application which you have signed
  • Identity and residence proof (KYC), such as Aadhaar, PAN card, Voter ID card, Job card issued by NREGA etc.
  • Income proof, such as last 2 month’s salary slip, latest Form 16, and three-month bank statement
  • Property documents 

Charges for Top-Up for Salaried

You have a right to know exactly how much you will need to pay for your Top Up loan and when. You can find below the list of charges and rates applicable to your loan. We make it a point to be transparent about how our loans work, so you can rest easy with the support of the local experts who sit out of our branches. 

Charges Rates*

Login Fee **

₹ 5,000*
Processing/ Administrative Fees (Charged at the time of sanction)**

0.75% of the loan amount or ₹ 11,000, whichever is higher*

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.

** Login fees and Processing/Administrative fees are non-refundable

* 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).


We provide low interest Top-up loans to avail funding for needs such as furnishing your home, child’s education or wedding, buying a vehicle, family holiday, buying consumer durables, etc. Or even as an additional financing over and above your home loan. This additional amount will be disbursed using your property as collateral.

You need to have had your ICICI HFC Home Loan for at least 12 months to apply for a Top Up. If you already have a home loan with another financial institution, you can avail of a Balance Transfer loan and move to ICICI HFC if you have made payments on your existing Home Loan for at least 2 years. 

A minimum of 12 months of payment on the existing home loan is required for our legal and technical experts to ensure you are comfortably being able to repay your home loan EMIs. We do not want you to take on any pressure and that is why our experts will assess your repayment capacity and existing EMIs before disbursing your Top Up loan. 

ICICI HFC ensures that you achieve your desired goals without feeling stressed. You can avail a Top Up loan of up to ₹ 1.5 crore for your requirements.

We strive to offer the lowest interest rates on our Top Up loans. The interest rates on Top Up loan will be 1% higher than the Balance Transfer interest rate.

ICICI Top Up loans can be utilised for various personal requirements like:

  • Furnishing/renovating your home
  • Buying consumer durables/ furniture
  • Your child’s education cost
  • Your child’s marriage expenses
  • Family holidays
  • Buying a new vehicle

A processing fee of 0.75% of the loan amount or ₹ 11,000, whichever is higher, will be charged to avail a Top Up loan.

Even if you already have a home loan, you can shift to ICICI HFC to reduce your EMI burden and get undivided attention from our local experts and competitive interest rates. You can shift your home loan to ICICI HFC with our Balance Transfer (BT) facility and apply for a Top Up loan as well, on which the rate of interest is 1% higher than the BT rate.