ICICI Express Home Loan


  • ICICI Express Home Loan launched with a 100% online process
  • Check eligibility in 4 steps, apply by uploading documents and get a provisional sanction letter online

ICICI Bank, one of the largest private sector banks in India, has introduced Express Home Loan for borrowers wanting to buy, construct, renovate or extend a home unit. The process is all digital, so there’s no need to visit the bank branch. This will result in quick sanction based on the details you submit online. But how will the whole process pan out? For that, you will need to read this post further.

Home Loan

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    Almost done, few more details required.

    Your ICICI Express Home Loan is Just Four Steps Away

    Visit the official website of ICICI Bank and then navigate to Express Home Loan Application Portal and do the required four steps shown below.

    Step I – Mention basic details such as your date of birth, mobile number, choose ‘Home Loan from the list of products, select from the type of employment – salaried or self-employed, the gross & net income of yours, details of existing loan EMIs, if any, etc.

    Step II – Check the loan offer

    Step III – Complete the online application form

    Step IV – Upload documents

    You will get a provisional home loan sanction letter post the completion of these steps online.

    Which are the Documents You Need to Upload?

    You need to upload the documents to authenticate your identity, residence, income and signature, along with your photographs.

    • Identity Proof – PAN Card (Mandatory)/Voter ID/Driving License/Passport
    • Signature Proof – PAN Card/Driving License/Voter ID/Passport
    • Residence Proof – Voter ID/Driving License/Passport/Aadhaar Card
    • Income Documents
      • Salary slips for the last 3 months, latest Form 16 (Salaried)
      • Income Tax Return (ITR) and audited balance sheet and profit & loss account for the last 2-3 years (Self-employed)
      • Last 6 months bank Statement

    Shall You Submit All Documents in One Go?

    Yes, you should. But there’s a provision of submitting some documents later too. You can submit the same by going to the page of ‘Track Application Status’ on the application portal.

    ICICI Express Home Loan Interest Rate & Other Details

    Below is the table showing the housing loan details of ICICI Bank.


    Loan Amount SlabHome Loan Interest Rates
    Up to INR 35 lakhs9.00% - 9.50%
    INR 35 lakhs to INR 75 lakhs9.00% - 9.60%
    Above INR 75 lakhs9.00% - 9.70%

    Self Employed

    Loan Amount SlabHome Loan Interest Rates
    Up to INR 35 lakhs9.00% - 9.65%
    INR 35 lakhs to INR 75 lakhs9.00% - 9.75%
    Above INR 75 lakhs9.00% - 9.85%

    Who is Eligible for ICICI Express Home Loan?

    • Every resident Indian with a good source of income can apply for the loan
    • Salaried, self-employed professionals and self-employed non-professionals – they are all eligible for the loan

    What If Your Loan Eligibility Comes Lesser Than What You Require to Buy a Home?

    It is quite possible that your loan eligibility can fall short of what you need to buy a home. In that case, you can add an earning co-applicant, which could be immediate family members like your spouse. However, the maximum loan is limited to 75%-90% of the property value.

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  • Home Loan Interest Rates September 2023
    Axis Bank8.75% - 9.15%
    Bank of Baroda8.50% - 10.60%
    Citibank8.75% - 9.15%
    HDFC8.50% - 9.40%
    ICICI Bank9.00% - 9.85%
    Indiabulls Housing Finance Limited8.65%
    Kotak Bank8.85% - 9.40%
    LIC Housing8.50% - 10.50%
    Piramal Capital & Housing Finance10.50%
    PNB Housing Finance8.50% - 10.95%
    Reliance Home Finance8.75% - 14.00%
    State Bank of India/SBI9.10% - 9.65%
    Tata Capital8.95% - 12.00%
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