A "low interest" loan shouldn't mean you have very little interest in paying it back!
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    We found 2 ICICI Home Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.40% - 8.85% Floating
    0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    8.35% - 8.80% Floating
    0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    3-30 Years
    Response Time : Within 30 minutes
    Rs.5,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    ICICI Home Loan is Rated as "Great!" by 2316 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Home Loan BYTES FROM OUR KITCHEN

    ICICI Home Loan

    ICICI Bank Home Loan Interest RatesUpdated on 24 Oct 2017

    ICICI Bank Home Loan Details
    Interest Rate 8.40% to 8.85% for General Borrowers
    8.35% to 8.80% for Women Borrowers
    Processing Fees 0.50% of the loan amount (Maximum Rs. 11,800)
    Loan Tenure 3 year to 30 years
    Partial pre-payment Charges Nil
    Pre-closure Charges Nil
    Guarantor Requirement No Guarantor Required

     

    ICICI Bank Home Loan

    The practical aspects of buying, constructing or renovating a house involves immense responsibility, impeccable research and thorough planning. For most of us, getting the right home loan scheme (which perfectly suits our needs) and repaying it with an interest can be a mammoth task, or maybe quite impossible. Though some people settle for a mortgage, it may not be the wisest option. In this scenario, the best thing to opt for is a comprehensive home loan plan. Most leading banks extend financial assistance to customers in the form of home loans, with the purpose of helping them to buy a house.ICICI Bank is one on of India’s largest private sector banks.

    Some of the Best Features Provided By ICICI Bank Home Loan are as follows:

    • It is a really a very quick and easy process to get a home loan from ICICI Bank.
    • With a higher eligibility, the bank also offers lower EMIs at affordable and attractive rates of interest.
    • Keeping up evolving technology, ICICI bank has introduced a new system by which you can go through the application process Tablet and Smart phone. This ensures faster processing and quick disbursal of the loan.
    • You can avail home loan from ICICI to buy your dream house (of your choice), or from ICICI bank’s approved projects.
    • They also offers pre-approved home loans to selected customers, and existing customers get to enjoy reduced documentation process.

    Latest Updates on ICICI Bank Home Loan

    1% Cashback Offered by ICICI Bank on EMI payments for Home Loans

    Possibly to capture a large chunk of the market for home loans, ICICI Bank presented a new home loan product. This is a home loan that offers borrowers cashback of 1% on every Equated Monthly Instalment paid as repayment of the home loan, for the complete tenure of the loan.

    This particular offer is available for home loans that have a minimum tenure of 15 years and is applicable to residents of India as well as NRI (Non Resident Indian) customers. One must note however that the cashback will accumulate in the borrower’s account only after a tenure of 3 years of the EMI payments or the 36th EMI.

    Features and Benefits of ICICI Bank Housing Loan

    ICICI Housing Loan
    • Affordable interest rates and both floating and fixed options
    • The home loan can be sanctioned before selecting the property
    • A really smooth simplified documentation process and even faster documentation process for existing customers
    • You get the freedom of enjoying a longer tenure with lower EMIs
    • The ‘Balance Transfer’ feature allows you to transfer your existing home loan availed from any other bank, to ICICI Bank. This is for you to enjoy long term savings.
    • With the Balance Transfer feature, you can enjoy up to additional top up loan amount. This can be up to 100% of the original home loan.
    • The bank’s home loan page provides unique online tools like Eligibility calculator and EMI calculator. With the eligibility calculator you can find the home loan amount you are eligible to avail for, and the EMI calculator calculates the monthly repayment amount towards the loan.
    • Selected customers can enjoy pre-approved home loans.
    • Up to 30 years of loan tenure available
    • Enjoy a fixed interest rate for the first 10 years, and thereafter a choice of fixed or floating interest rates.

    ICICI Home Loan Eligibility Criteria:

    • Applicants must be at least 21 years old when the loan is sanctioned.
    • The entire loan must be repaid at or before the age of 65 years.
    • Applicant must be self-employed or salaried with a regular income source.
    • The co-applicant’s age must be at least 18 years.
    Apply for Home Loan Online

    ICICI Bank Home Loan Interest Rates

    Before we get into the absolute numbers, it is essential to know how the interest rates are actually calculated. Like other home loans available from other banks in India, ICICI Bank home loans also offer an MLCR based interest rate calculation. It is essential to understand that the ICICI Bank floating rate home loan is benchmarked to I-MCLR-1Y. Effective Aug 01, 2016 I-MCLR-1Y is 9.10%. But the interest rates are calculated differently for different groups based on demographics which include:

    ICICI Home Loan Interest Rates for Women:

    Floating Rate of Interest
    Category Effective Interest Rate Rate
    30 Lakhs to Rs.75 Lakhs 8.65% I-MCLR-1Y+0.45%
    Rs.75 Lakhs – Rs.5 Crores 8.70% I-MCLR-1Y+0.50%
    Above Rs.5 Crores 8.80% I-MCLR-1Y +0.60%
    Fixed Interest Rate for tenure of 5 years and 10 years
    Up to 30 Lakhs 8.70% I-MCLR-1Y+0.50%
    Rs.30 Lakhs – Rs.5 Crores 8.80% I-MCLR-1Y +0.60%
    Above Rs.5 Crores 8.90% I-MCLR-1Y +0.70%
    Fixed Interest Rate (Full tenure)
    Up to 30 Lakhs 8.70%
    Rs.30 Lakhs – Rs.5 Crores 8.80%
    Above Rs.5 Crores 8.90%

    Note :

    • I-MCLR-1Y is 8.20% : Above mentioned floating rates are linked to One year MCLR (I-MCLR-1Y) benchmark rate.
    • The above interest rates are valid only for home loans where the woman borrower is the main applicant. She also has to be the owner or co-owner of the property for which the loan is being borrowed.

    ICICI Home Loan Interest Rates for Salaried Borrower:

    Floating Rate of Interest
    Category Effective Interest Rate Rate
    30 Lakhs to Rs.75 Lakhs 8.70% I-MCLR-1Y+0.50%
    Rs.75 Lakhs – Rs.5 Crores 8.75% I-MCLR-1Y+0.55%
    Above Rs.5 Crores 8.85% I-MCLR-1Y +0.65%
    Fixed Interest Rate for tenure of 2 years and 3 years
    Category Fixed Interest Rate for 24 months or 36 months Floating Rate pricing from the 25th month or the 37th month
    30 Lakhs to Rs.75 Lakhs 8.70% I-MCLR-1Y+0.50%
    Rs.75 Lakhs – Rs.5 Crores 8.75% I-MCLR-1Y+0.55%
    Above Rs.5 Crores 8.85% I-MCLR-1Y +0.65%
    Fixed Interest Rate for tenure of 5 years and 10 years
    Category Fixed Interest Rate for 60 months or 120 months Floating Rate pricing from the 61st month or the 121st month
    Up to 30 Lakhs 8.75% I-MCLR-1Y+0.50%
    Above 30 Lakhs 8.85% to 8.95% I-MCLR-1Y+(0.65% to 0.75%)
    Fixed Interest Rate (Full tenure)
    Category Effective Interest Rate
    Up to 30 Lakhs 9.75%
    Above 30 Lakhs 9.85% to 10.10%

    ICICI Home Loan Interest Rates for Self Employed Borrower:

    Floating Rate of Interest
    Category Effective Interest Rate Rate
    30 Lakhs to Rs.75 Lakhs 8.70% I-MCLR-1Y+0.50%
    Above Rs.75 Lakhs 8.75% to 8.85% I-MCLR-1Y + (0.50% to 0.65%)
    Fixed Interest Rate for tenure of 2 years and 3 years
    Category Fixed Interest Rate for 24 months or 36 months Floating Rate pricing from the 25th month or the 37th month
    30 Lakhs to Rs.75 Lakhs 8.70% I-MCLR-1Y+0.50%
    Above Rs.75 Lakhs 8.75% to 8.85% I-MCLR-1Y + (0.50% to 0.65%)
    Fixed Interest Rate for tenure of 5 years and 10 years
    Category Fixed Interest Rate for 60 months or 120 months Floating Rate pricing from the 61st month or the 121st month
    Up to 30 Lakhs 8.75% I-MCLR-1Y+0.55%
    Above 30 Lakhs 8.85% to 8.95% I-MCLR-1Y+(0.65% to 0.75%)
    Fixed Interest Rate (Full tenure)
    Category Effective Interest Rate
    Up to 30 Lakhs 9.75%
    Above 30 Lakhs 9.85% to 10.10%

    Special pricing for Home Loans up to 30 lakhs

    Floating Interest Rate

    Category (8.15%) I-MCLR-6M (8.20%) I-MCLR-1Y
    Salaried Borrower Loan Amount up to 30 Lakhs
    Women (8.35%) I-MCLR-6M + 0.20% (8.35%) I-MCLR-1Y + 0.15%
    Others (8.40%) I-MCLR-6M + 0.25% (8.40%) I-MCLR-1Y + 0.20%
    Self Employed Borrower Loan Amount up to 30 Lakhs
    Women (8.50%) I-MCLR-6M + 0.35% (8.50%) I-MCLR-1Y + 0.30%
    Others (8.55%) I-MCLR-6M + 0.40% (8.55%) I-MCLR-1Y+ 0.35%

    Fixed rate for 24 months or 36 months - (8.20%) I-MCLR-1Y

    Category Fixed rate for 24 or 36 months Floating rate pricing from 3rd & 4th year onwards
    Salaried Borrower Loan Amount up to 30 Lakhs
    Women 8.35% I-MCLR-1Y + 0.15%
    Others 8.40% I-MCLR-1Y + 0.20%
    Self Employed Borrower Loan Amount up to 30 Lakhs
    Women 8.50% I-MCLR-1Y + 0.30%
    Others 8.55% I-MCLR-1Y + 0.35%

    ICICI Bank Home Loan EMI Calculator

    ICICI Bank offers unique and dynamic tools like EMI calculator and Eligibility calculator to help customers with choosing the right home loan. With the use of the eligibility calculator you can find the home loan amount you are eligible to avail for, by entering certain basic details/parameters, and the EMI calculator calculates the monthly repayment amount you need to make towards the loan. For this you need to enter basic details like the loan tenure and loan amount. Make use of these tools to get the best deal.

    Pradhan Mantri Awas Yojana By ICICI Bank

    The CLSS or Credit Linked Subsidy Scheme has been announced by the Prime Minister of India, Narendra Modi under the Pradhan Mantri Awas Yojana. According to the CLSS under PMAY, everyone will have a house by 2022.

    Under the housing for all by 2022 scheme, interest subsidy can be availed by the customers belonging to MIG (Middle Income Group), LIG (Lower Income Group) and EWS (Economically Weaker Section) for improvement, extension, construction and purchase of houses.

    Features of PMAY Schemes:

    • In case of MIG categories, the beneficiary family’s Aadhaar numbers are mandatory.
    • The interest subsidy benefit can be availed on the outstanding principal.
    • The subsidy can be availed for maximum tenure of 20 years or the tenure availed by the customer, whichever is lower.
    • No cap is there on the property’s cost or the amount of loan.
    • The NPV or Net Present Value of the subsidy is calculated at a discounted rate of 9%.
    • Any additional loan above the specified cap, will come with a non-subsidized rate.

    Eligibility for Applying PMAY Scheme:

    • In order to be eligible for this scheme, the beneficiary family must not have received any central assistance under Housing of all by 2022.

    Beneficiaries Under the PMAY Scheme:

    • This particular scheme is offered to the families comprising of wife, husband and unmarried kids. Any adult member earning for himself/herself, irrespective of his/her marital status, will be treated as separate household under the Middle Income Group category.
    • The beneficiary family should not have a pucca house in any part of India. Even the family members cannot own a pucca house anywhere in India.

    Interest Rate:

    The NPV or Net Present Value of the subsidy is calculated at a discounted rate of 9%.

    ICICI Home Loan Balance Transfer

    ICICI bank gives the privilege of lowering the EMI burden to its customers, and allows them to make savings by transferring their current home loan scheme from any other Bank to ICICI bank. The balance transfer feature is very innovative and a very thoughtful gesture on the bank’s part.

    FAQs On ICICI Home loan

    1. I have opted for the floating interest rate option on my ICICI bank home loan. If there is a change in the rate, will it affect me? If so, then how?

      This depends on what your home loan is linked to. If your loan is linked to FRR and PLR your rate of interest will reduce by 0.05%. This will happen due to the change in the FRR/PLR on June 26, 2015. Please note that this change will also correspondingly have an impact upon your EMI or loan tenor.

    2. I am a home loan customer with an Initial /Renewable fixed rate of interest. What happens when the fixed rate tenure expires?

      As per the fixed rate home loan, the loan is fixed for a stipulated period of time. The same would have been intimidated to you in the loan sanction letter. After the fixed rate period is over, your interest category of the loan would convert to floating rate. The applicable floating rate is decided based on a certain factor. This is the benchmark rate which is prevailing during the completion of fixed rate period.

    3. Do I have the freedom to choose the category of interest rate (fixed or floating) on my ICICI bank home loan?

      With ICICI bank home loans, borrowers can enjoy fixed interest rate for the first 10 years, and thereafter avail a choice of fixed or floating interest rates. The rate of interest varies according to certain factors like the loan amount, category of borrower, period of the loan and fixed or floating rate of interest.

    4. Is there any special concession on the home loan interest rates offered by ICICI bank, for women borrowers?

      Yes, for women borrowers the starting rate of interest from home loan is from 8.35% to 8.80%. The woman borrower needs to be the main applicant of the loan, or a co-owner in the financed property to avail the following rates of interest-

      • The floating rate of interest ranges from 8.65% to 8.80%.
      • The fixed rate of interest (for 5 years, 10 years) ranges from 8.70% to 8.90%
      • The full tenor fixed interest rate ranges from 9.70% to 10.05%
    5. If I want to close my home loan, are there any charges on prepaying the loan?

      If the home loan is availed on floating rate of interest, then there are no charges for this. If the loan has been availed on fixed rate of interest, then you need to pay 2% (plus applicable taxes) on the outstanding principal.

    News About ICICI Bank Home Loan

    • Cashback Scheme Launched by ICICI Bank for Home Loan Borrowers until November 30

      In a move to attract customers during the festive season, a cashback scheme has been launched by ICICI Bank to those availing home loans until November 30.

      That ICICI Bank stated that customers availing a new home loan or transferring their current home loan can be rewarded with 20% cashback with a limit of Rs. 10,000. The least expenditure of Rs. 30,000 from the customer's ICICI credit or debit card decides the cashback amount.

      This offer is valid until November 30, 2017. Other banks have also come up with similar festive offers to attract customers this season.

      26th September 2017

    • ICICI to offer home loans at the rate of 8.40%

      The leading private sector lender ICICI bank has reduced the interest rates by 30 bps for home loans below 30 lakhs. The company in a statement announced that salaried women can avail home loans at the rate of 8.35% and others can get it for 8.40%. As per the bank reports, lower income groups can avail low interest rates and credit linked subsidy under the housing scheme of government, Pradhan Mantri Awas Yojna. The bank also said that they are moving in line with the developmental vision of government to provide housing for all.

      18th May 2017

    • ICICI cuts interest rates on home loans

      ICICI Bank, which is among the top three Indian banks for housing finance has announced a cut in its interest rates by 45 basis points, bring the interest rate down from 9.1% p.a. to 8.65% p.a. The bank has also reduced its Marginal Cost of Lending Rate (MCLR) by 70 basis points, bring it down from 8.9% to 8.2%. Following the reduction in interest rates, the bank is presently providing home loans at 0.05% higher than SBI (8.6%), which is currently the best rate in the market. This reduction in interest rates comes in light of the surge in deposits due to the demonetization of the Rs.500 and Rs.1,000 currency notes, bringing down the cost of funds.

      21st January 2017

    • ICICI launches Home Overdraft Facility

      ICICI has launched a new credit facility for its salaried customers who currently have a home loan with the bank. The new facility is called the Home Overdraft facility. This will allow salaried customers to avail loans of up to Rs.1 crore for personal needs in the form of overdraft. The minimum loan on the Home Overdraft facility is Rs.5 lakh and the maximum amount will be Rs.1 crore. Customers can avail a minimum of 10% of the total amount as a term loan and a maximum of 90% of the total amount as an overdraft, the term loan will have an equated monthly instalments (EMI).

      14th November 2016

       
    • ICICI Bank Slashes its Marginal Cost of Lending Rates by 5 Basis Points

      Only a few hours after the Reserve Bank of India reduced their Repo Rates by 25 basis points bringing it down to 6.25%, ICICI Bank has also slashed its MCLR Rates by 5 Basis Points. The reduced rate will be act with effect from 1st October 2016. While the lending rate for one month and three months tenors are identical at 8.85%, the lending rate for a duration of 1 year stands at 9.05%

      The MCLR Regime was introduced this fiscal year on 1st April 2016 and is effective for all new loans and advances. Even the new floating rate loans will be linked to MCLR.

      4th October 2016

       
    • ICICI Bank Cuts MCLR by 5bps

      ICICI Bank has brought down Marginal Cost of Funds-Based Lending Rate (MCLR) by 5 basis points.

      The overnight MCLR has been brought down to 8.9 percent from 8.95 percent in the previous month, while the 1-year MCLR is pegged at 9.1 percent from 9.15 percent.

      This monthly revision in MCLR is in line with the Reserve Bank of India’s policy, which allows customers to get better rates as the RBI repo rates go down.

      4th August 2016

       
    • ICICI Considering Stake Dilution in Home Finance Division

      The Reserve Bank of India recently told banks to give out home loans themselves rather than doing so through a wholly-owned subsidiary. The central bank has asked new banks seeking licence to transfer any home finance activity through a subsidiary to the bank before applying.

      This has led to ICICI Bank mulling either selling part of the stakes in ICICI Home Finance or merging it with the bank. Can Fin Homes, Cent Bank Home and PNB Housing Finance are some of the bank-backed housing finance companies that have already diluted their ownership.

      Banks are not allowed to give loans below their benchmark Base Rate. Housing Finance Companies, however, can lend below their prime lending rate. Banks are also subject to stringent guidelines on outsourcing and employing agents.

      20th July 2016

       
    • 0.05% Drop in ICICI Bank Lending Rates

      Followed by a fall in MCLR rates of SBI and HDFC, ICICI Bank dropped its rate by 0.05%. The overnight MCLR rate for new borrowers was set at 8.95% and the one-year MCLR with regard to home loans were cut down to 9.15%. According to the information on ICICI Bank’s website, there also seems to have been changes in the MCLR rates for the tenures of one-month, three-months and six-months.

      RBI’s introduction of the MCLR system was aimed at swift policy transmission by lenders and banks were asked to review the rates every month. There has been a 0.30% fall in the overnight MCLR rates of banks after use of the new system of calculation.

      9th June 2016

       
    • ICICI home loan cheaper than SBI home loan

      State Bank of India or SBI offers home loans at a rate of interest of 9.45% but customers might actually opt for ICICI home loan over SBI home loans as the latter offers loans at the rate of 9.4%. However HDFC is nowhere close to the competition as it is charging a whopping 9.55% to 10.05% for its home loans. But it will take some time for RBI’s monetary transmission to be achieved completely. RBI released guidelines for computing MCLR in December last year and has instructed banks to implement it as the benchmark for lending instead of base rates. This move was launched to ensure the rate of lending is sensitive to policy rates.

      28th April 2016

       
    • ICICI Bank Launches Subsidy Home Loan Under Pradhan Mantri Awas Yojana

      In a noble effort to help the weaker sections of the society build homes, ICICI, the country’s largest private lender, recently launched a home loan subsidy scheme under the 'Pradhan Mantri Awas Yojana'. This home loan scheme is targeted at the weaker sections of the society who can now avail this loan at significantly lower EMIs, as compared to the prevailing market rate, to build brick and mortar houses.

      To bring this home loan scheme to customers, ICICI Bank partnered with the National Housing Bank (NHB) and will provide this scheme to all eligible applicants at a subsidized interest rate of 6.5% per year on a maximum amount of Rs 6 lakh or the loan amount (whichever is higher), for a maximum time duration of 15 years. The loan amount provided will be decided after evaluation of the repayment capacity of the borrower and may also be stretched over a period of 30 years.

      4th April 2016

       

    ICICI Bank Home Loan Reviews

    • ICICI Bank Home Loan
      "They should be transparent in their process"
      0.5 4.0/5 "Great!"
      Everything is good in ICICI , expect the charges. They told they were not charging me extra, but they have 7000 to 8000 rupees from the disbursement as a processing fee. I have taken home loan of Rs. 22 lakhs for the tenure of 30 years but they have foreclosure option without any charges can close the loan.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 21, 2017
    • ICICI Bank Home Loan
      "BETTER SERVICE"
      0.5 5.0/5 "Blown Away!"
      Its been only a month I took a home loan from the ICICI BANK and customer service was actually great from their side as they gave me a rate of interest of 835% and processing fee charged as rs 3200 and also I got a full approval of the amount was given to me . It was a good experience I can say for this process .
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 21, 2017
    • ICICI Bank Home Loan
      "Best banking "
      0.5 3.0/5 "Satisfactory"
      I had requested for personal loan for an mount of 2.5 lakhs with an interest rate of 11.9%,rate of interest is nominal as compared to other banks in the market.Had a telephonic verification they shared the status as not eligible at last very disappointing service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Home Loan
      "Great responsiveness"
      0.5 5.0/5 "Blown Away!"
      I had applied for home loan form ICICI bank for amount of 30 lakhs at the interest of 8.35% its similar to other banks don't feel its low as compared to other banks.they took almost 2-3 months to complete the process they should speed up the work.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • ICICI Bank Home Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      I am having the home loan with the ICICI bank and the interest rate is around 8%, which is maximum one. Customer service is good one with the ICICI bank for the home loan. Response is good one with the ICICI bank and I have not faced any difficulties with them.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 17, 2017
    • ICICI Bank Home Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I have applied for the home loan from ICICI, I had a very bad experience with ICICI bank in regards to the home loan. The customer service is not good, lot of information was misguided and the processing fees was way high. They also forced me to take the insurance which i did not opt for. The process took 2 months to complete and then it was approved. When it comes to interest rate, it is satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Home Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The Home loan service is good with ICICI bank. They have disbursed my loan amount within 15days of time. The customer support was good with ICICI bank, they gave prompt response in regards to my home loan. The rate of interest and the processing fee is nominal wit ICICI bank.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Home Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      In 2004 I have taken home loan to purchase a property. I have finalized a row house worth Rs. 4.5 lakhs in Ahmedabad, ICICI sanctioned same 100% of loan with less documentation procedure. Still loan my home loan is live without any hassles my EMI is going on.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • ICICI Bank Home Loan
      "Need to be quick "
      0.5 3.0/5 "Satisfactory"
      My home loan was taken from ICICI bank. The service was good, They took one month for the disbursement which I am not happy. The proper information was not given me, some procedural delay happened on the documentation process. ROI was satisifed and they charge 8.35%. The preclosure and part payment option is average.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • ICICI Bank Home Loan
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      Though I am an existing customer of ICICI bank and I have tried out many products from them. I also applied for a home loan and they have not bothered to even respond to my application. It was not a satisfactory experience at all. The bank is not going to be recommendable too.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 16, 2017
    • ICICI Bank Home Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have applied home loan to 2 different banks but India bulls has approved my home loan, so that was the reason I haven't got the home loan from ICICI bank. The rate of interest is the same when compared with others. I am satisfied with the service.
      Was this review helpful? 0
      , noida
      Reviewed on Oct 15, 2017
    • ICICI Bank Home Loan
      "Not bad"
      0.5 3.0/5 "Satisfactory"
      I have approached ICICI bank for my home loan . The loan amount was 48 lakhs and the customer service and responses was up to the mark but I have cancelled the application because the rate of interest was 8.5% which is bit high comparing to others banks and the reviews were not good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 14, 2017
    • ICICI Bank Home Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      I did not take the home loan from ICICI Bank because I changed the plans. Else I was okay with the process and the services. They were responsive and there were no hassles. The interest rate and charges was normal and overall it was a good experience.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 14, 2017
    • ICICI Bank Home Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      ICICI Bank contacted me pretty late for the home loan. They were not in time and I had follow up with them to get details. I was finally not provided with the loan as the property I chose was not in the city limits. No information on the interest rate and charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2017
    • ICICI Bank Home Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I applied a home loan with ICICI Bank. Later I decided to close this home loan application with ICICI Bank because I have decided to hold in getting the home loan as I have postponed the plan as of now just for 2 months. They offered me the loan with 8.7% as rate of interest and there was no processing fees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 13, 2017
    • ICICI Bank Home Loan
      "Good Responsive bank"
      0.5 4.0/5 "Great!"
      ICICI sanctioned the loan amount of Rs. 30 lakhs for the independent house it was approved by Government. Based on the property construction they were disbursed the amount one by one shot. They gave 25% of loan with nominal interest rate as per the competitive.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 13, 2017
    • ICICI Bank Home Loan
      "Professional services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is better and professional in the home loan process. When compered to LIC housing finance. They are better off on the interest rates and they reduce the rate when ever the rate fluctuates. The customer services are also good and easy to connect with.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2017
    • ICICI Bank Home Loan
      "Very Bad and Unprofessional "
      0.5 1.0/5 "Really Bad"
      I had applied for a home loan with ICICI and i would definitely want to say that it was a very bad experience with them from the initial stage right through the process every step was an inconvenience with them. They were nothing close to being professional right from the customer service to the Branch Manager and were trying to force a sanction of a higher loan amount to me when i had requested for a lower amount. It was a hindrance to run behind people with the confusion that they were causing . If Zero was an option i would give them a zero as they do not deserve one.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 12, 2017
    • ICICI Bank Home Loan
      "Good"
      0.5 4.0/5 "Great!"
      I had applied for a home loan with ICICI but decided not to proceed with the application as i had put my decision with the property on hold. I would however like to say that my experience with ICICI during the initial stages have been good as i had no issues with the service and response that i received from them.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 12, 2017
    • ICICI Bank Home Loan
      "Nominal and flexible interest rates. "
      0.5 4.0/5 "Great!"
      I had applied for a loan with ICICI but did not proceed with the application as i had postponed the decision with the property. i would like to say that the experience with them during the initial stages of the loan process was good as i got a good response from them with all the information i required.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 12, 2017
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