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  • ICICI Home Loan Top Up

    You can apply for an ICICI Top Up Loan if you have an existing home loan with ICICI Bank. The loan amount does not necessarily need to be used for your home-related expenses. You could use it for personal reasons such as marriage, education, business expansion, or even home renovation. The maximum tenure offered under this home loan is 20 years.

    Features and Benefits

    Here are the features and benefits offered on the Top Up Loan:

    • Loan can be used to cover home-related or personal expenses.
    • Maximum loan tenure of 20 years.
    • Attractive interest rate packages.
    • Low EMIs (equated monthly instalments).
    • Minimal documentation as the bank already has a majority of your documents from your existing home loan.
    • Quick processing of home loan application.

    ICICI Top Up Loan Eligibility Criteria

    Existing ICICI home loan borrowers are eligible for the Top Up Loan.

    Documents Required

    The Top Up Loan requires minimal documentation as you are an existing customer of the bank. Typically, the bank requires applicants to submit the completed application form, ID proof, address proof, and financial documents to process a home loan application.

    You can contact the bank to know any additional documents required to be submitted to successfully apply for this loan.


    1. I want to know more about this loan. How do I contact the bank?

      The most convenient way of requesting for further information from the bank is to send an SMS to the bank with “HTOPUP” to 5676766. Alternatively, you could also request a callback from the bank by visiting their website and leaving your personal and contact information.

    2. How will the bank determine by eligibility for this loan?

      Several factors will be considered to determine your eligibility for this loan such as your monthly income, your monthly fixed obligation, your current and retirement age, and more. If you wish to check your eligibility for this loan, you could visit the bank’s website and click on ‘Calculate Eligibility’ on the Home Loan Eligibility Calculator webpage.

    3. Will I get tax benefits when I apply for this loan?

      Yes. As this is a type of home loan, you will enjoy tax benefits on the principal and interest portions of this loan under the IT Act of 1961 as per the following sections:

      • Section 80C of the Income Tax Act: You can claim a maximum of Rs.1.5 lakh on the principal paid on your home loan per financial year.
      • Section 24B of the Income Tax Act: You claim a maximum of Rs.2 lakh on the interest paid on your home loan per financial year.

    ICICI Home Loan Related Pages

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