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  • ICICI Saral Rural Housing Loan

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    Promised Interest Rate

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    ICICI Saral Rural Housing Loan

    It is easy to forget that India is not just Mumbai, Delhi, Bangalore and the rest. There are many remote villages, where women lack access to basic education and resources to go about chasing their dreams. Women are the force-multipliers for positive change in the well-being of their families and for a conducive environment for the family to grow emotionally and financially. Even though every one of these contributions are indispensable on a daily basis and offer significant financial support for their homes, women seldom see it as such. They believe it is the duty of any housewife and hardly pursue prospects to achieve something independently. Indeed, majority of women from villages do not even have their own bank account.

    It is unfortunate that the critical role played by rural women in uplifting their local economies is often overlooked. Currently, many banks are taking up rural projects to change this trend, setting up branches and platforms to deliver home loans and others to women. ICICI Bank Saral Rural Housing Loan is customized to enable the women debtor from rural background to apprehend their dream of constructing or purchasing their own home. The highlight of this scheme is the attractive interest rates and the flexibility it offers. You may avail the loan for procurement, construction, renovation, maintenances or up-gradation of a house in rural areas.

    Features & Benefits:

    • ICIC Saral Rural Home Loan is offered at a base rate of 9.70 percent to women from rural areas.
    • You can borrow amount up to 90 percent of the current price of the property.
    • The minimum loan amount you can request for is INR 5 lacs and no more than INR 15 lacs.
    • This scheme also allows a flexible tenure that ranges from 3 to 20 years.
    • According to the ICICI Bank guidelines, the explanation for weaker section and rural places is as per the Circular of Refinance Schemes for Scheduled Commercial Banks as defined by the National Housing Bank (NHB), which came into effect in 2013.
    • ICICI has also defined ‘Rural Area’ as a place which is a part of any village or small town with a populace of less than 50,000 as specified in the 1991 Census.

    ICICI has always been unswerving in its work to work for the socio-economic development of rural India. This is one of the most recent of their initiatives in the same.

    ICICI Saral Rural Housing Loan Reviews

    • ICICI Bank Home Loan
      "Good Services from ICICI for Home loan"
      0.5 5.0/5 "Blown Away!"
      The Processing fee is very much comfortable with ICICI Bank. Overall, the documentation process is good. I got the loan in the stipulated time like within 1 week. They have offered a interest rate of 8.50%. They have charged me around Rs. 5000 as processing fee. I have got hassle free services from ICICI bank.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 14, 2018
    • ICICI Bank Home Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken home loan from the Icici bank . Documentation and approval took 20 days . As am not satisfied with the rate of interest which is high . They have processing fees cartages which is quiet nominal one. They gave tenure period of 20 years which gets auto debited from bank. Their customer service and response is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • ICICI Bank Home Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      My home loan was taken with ICICI Bank. The process was very good and professional. The loan amount was 5 lakhs and the given interest rate was 8.5% which is average . The tenure period was 6 years . Their executives were not aware of few process but they have sanctioned the loan with the committed time. There is no processing fee also.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 12, 2018
    • ICICI Bank Home Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My home loan was taken with ICICI bank. The loan amount was 15,50,000 and the given interest rate was 8.55% which is average . The tenure period was 20 years . I had a very good fast and hassle free process here . They have sanctioned the loan wit the committed time and the processing fee was nominal.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 12, 2018
    • ICICI Bank Home Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      My home loan was taken with ICICI bank. The process was good but the followup's not done properly.The loan amount was 13 lakhs and the interest rate was 8.45% which is not satisfactory . The process git bit delayed .My overall experience was average .
      Was this review helpful? 0
      , noida
      Reviewed on Jun 12, 2018
    • ICICI Bank Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My home loan was taken with ICICI bank. The loan amount was 11 lakhs and the interest rate was 8.45% which is average and the tuner period was 5 years The customer service and responses was up to the mark. They have sanctioned the loan with the committed time. The executives were very cooperative and smooth.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 12, 2018
    • ICICI Bank Home Loan
      "Excellent"
      0.5 4.5/5 "Excellent!"
      My car loan was taken with ICICI BANK. The loan amount was 38 lakhs and the interest rate was 8.75% which is not satisfactory . The customer service and responses was up to the mark. I have requested for 44 lakhs and they have given just 38 lakhs so i am planning to cancel the request.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      My home loan application was closed with ICICI bank, the reason why the application is closed is due to the Panchayati reason. Customer service was good, they followed up on time and they explained all the details. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 31, 2018
    • ICICI Bank Home Loan
      "Very good"
      0.5 4.5/5 "Excellent!"
      My home loan was taken with ICICI bank11 years back. The loan amount was 9 lakhs and the interest rate was 8.555 which is average. The tenure period was 15 years . The process was good and the processing fee was also nominal. They have provided door step service for collecting documents,.
      Was this review helpful? 0
      , thane
      Reviewed on May 29, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have my home loan application closed with ICICI bank, the reason why the application was closed is because the loan amount was not sufficient. Customer service was good and they followed up on time. The rate of interest was nominal when compared to all other banks.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 28, 2018
    • ICICI Bank Home Loan
      "Nice experience "
      0.5 5.0/5 "Blown Away!"
      I also bank with ICICI Bank with home loan. The bank was very transparent and clear in the details. If they were to charge me a fee, they would check with me and then process the same. The rate of interest is also normal. I am happy with the clear process and in all it was smooth.
      Was this review helpful? 0
      , raebareli
      Reviewed on May 26, 2018
    • ICICI Bank Home Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have taken a home loan from ICICI bank and the loan experience was not good, the loan amount was for Rs 2.75 lakhs with high interest rate when compared to other banks. I am not happy with the services and the tenure period for this loan is 20 years.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 24, 2018
    • ICICI Bank Home Loan
      "Needs to improve on customer service"
      0.5 1.0/5 "Really Bad"
      My experience was not good with ICICI bank as my home loan application was closed. It is because i have taken a home loan from other bank. Customer service was not up to the mark and their response was delayed. The rate of interest of 8.45% is bit high when compared to other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • ICICI Bank Home Loan
      "Average Service"
      0.5 4.0/5 "Great!"
      I took a home loan from the ICICI bank for 30 Lacs, it was long back and the application process was slow . I got the loan after a month, The whole application and documentation was at the branch. The experience was good and the whole process was smooth and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have my home loan application approved with ICICI bank and the experience was good, the process took 1 month to complete. Customer service was good and they followed up on time. The rate of interest was nominal when compared to all other banks.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan application was approved with ICICI bank and the experience was good, the process was quite long and it took 2 months to receive the loan. The rate of interest was nominal when compared to other banks. Customer service was good and they followed up on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 20, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The application process was quite long with ICICI home loan, it took 20 days for the loan amount to get disbursed. The loan amount was based on my requirement and the rate of interest was nominal when compared to all other sources. The tenure for this home loan is for 20 years.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My home loan application was approved with ICICI bank and the experience was good, the process was smooth and i received my loan amount on time. Customer service was up to the mark and their response was good. The rate of interest was nominal when compared to all other banks.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the home loan from ICICI bank and the experience was good, the process was quite long and it took more than 1 month to disburse the loan. Customer service was good with ICICI bank and they collected documents on time. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , noida
      Reviewed on May 20, 2018
    • ICICI Bank Home Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have my home loan application approved with ICICI bank and the experience was good, documents were collected on time and the customer service was good. The rate of interest is nominal when compared to other banks. I received my loan amount within 10 days after the application was approved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2018
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