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When applying for a home loan with ICICI Bank, you will need to provide specific documents that verify your identity, income, and property details.
Here’s all the necessary documents for an ICICI home loan, categorized for easy reference by salaried, self-employed, and NRIs.
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ICICI Bank Home Loan: KYC Documents
KYC documents form the foundation of your ICICI home loan application. These essential papers verify your identity, employment status, and residential address, ensuring that all applicants meet the basic eligibility criteria set by ICICI Bank.
| Document Type | Accepted Documents |
|---|---|
| Identity Proof & Address Proof | Aadhaar Card/ Passport/ Driving License/ Voter ID/ NREGA Card/ Letter from NPR |
| Date of Birth (DOB) Proof | Passport/ Driving License/ Voter ID/ NREGA Card/ Letter from NPR |
ICICI Bank Home Loan: Income Proof Documents
Income proof documents are important for assessing your ability to repay the home loan.
ICICI Bank Home Loan: Income Proof Documents For Salaried
| Income Proof for Salaried Applicant/ Co-applicant/ Guarantor |
|---|
| Latest Form 16 |
| Latest one-month salary slip |
| Bank statements of the last 6 months |
Check Out: ICICI Bank Home Loan EMI Calculator
ICICI Bank Home Loan: Income Proof Documents For Self Employed
| Income Proof for Self Employed Applicant/ Co-applicant/ Guarantor |
|---|
| Last 6 months’ Bank statements of all operative accounts |
| Last 2 years CA Certified/Audited Income Tax Returns (ITR) |
| GST returns of the last 1 year |
| Computation of income |
| Profit and Loss Account Statement |
| Balance sheet |
Must Read: How to Get a Home Loan With Out Income Proof?
ICICI Bank Home Loan: NRI Documents
Navigating home loans as a Non-Resident Indian (NRI) requires specific documentation to validate your financial standing and eligibility. ICICI Bank’s NRI document checklist ensures seamless processing while adhering to RBI guidelines and international compliance standards
| Document | Additional Details |
|---|---|
| Valid Passport copy | Include both front & back pages |
| Valid visa | Residence visa/ work permit/ Permanent citizen card |
| OCI card | For OCI customers only. If unavailable, submit an OCI declaration in the bank’s format (Click here for OCI format) |
| Address Proof | Overseas Address Proof Indian Address Proof: Required only if an Indian address is provided for mailing/communication |
| PAN card copy | In the absence of a PAN number, Form 60 is required (Click here for Form 60) |
| Salary/wage slips | Last 2 months salary/ wage slips |
| Bank Statement | Last 3 months’ overseas bank statement with salary credit |
| Applicable for customers | USA, UK, Canada, Singapore, Hong Kong, UAE, Qatar, Saudi Arabia, Oman, Kuwait, Bahrain, New Zealand, Australia, Ireland, South Africa |
ICICI Bank Home Loan: Property Documents
Property documents establish the legitimacy and value of the property you intend to purchase. These papers ensure that the investment is secure and compliant with all regulatory standards.
| Documents |
|---|
| Sale Deed and additional agreement (as applicable) |
| Current Agreement with Registration Receipt and Index 2 (as applicable) |
| Total linked documents |
| Approved plan and permissions from the appropriate authority |
| Copy of the latest Encumbrance Certificate (EC), as applicable |
| Copy of the latest Property Tax Receipt, as applicable |
| Click here to view State and transaction wise Property Documents list |
| Legal and Technical clearance for Loan Disbursement |
Must Read: Best Property Valuation Practices
ICICI Bank Home Loan: Disbursement Documents
Disbursement documents act as the final checkpoint before releasing your home loan funds. These papers confirm that all legal, technical, and financial prerequisites are met, ensuring timely and secure transfer of the sanctioned amount.
| Document Category | Documents Required |
|---|---|
| Facility Agreement | Duly filled and signed by all the applicants with franking (state-specific) MOE/MODT/MOD (state-specific) as applicable |
| Disbursement Request Form (DRF) | DRF signed by all the applicants |
| Repayment Mode | E-NACH or Auto Debit mandate as applicable (Security E-NACH, as applicable) 3 SPDC required for loans above 1 Cr (one third of the loan outstanding amount) First Pre-EMI cheque provided with favoring details |
| Key Fact Sheet | – Signed by all the applicants |
| Administration Charges | ₹5,000 or 0.25% of the loan amount (whichever is lower) plus applicable taxes One-time, non-refundable charges for appraisal of valuation and legal verification (payable at the time of disbursement) |
| Stamp Duty | State-wise stamp duty as applicable |
| Notice of Intimation | Applicable for properties in Maharashtra and Madhya Pradesh Must be completed within 30 days from the first disbursement date |
| Sanction Letter | Accepted Sanction Letter signed by all the applicants Any pending documents as per the sanctioned conditions |
Read More: ICICI Bank Customer Care
ICICI Bank Home Loan: Balance Transfer Documents
Transferring your existing home loan to ICICI Bank can help you take advantage of better interest rates and favorable terms. To facilitate a smooth balance transfer process, you need to provide specific documents that verify your current loan details and financial standing.
| Documents Required |
|---|
| A letter on the letterhead of your existing lender stating the list of Property Documents you have submitted to them |
| Latest outstanding Balance letter from your existing financial institution on their letterhead |
| Photocopy of your property documents |
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ICICI Bank Home Loan: Resale Documents
Resale property transactions demand thorough verification to safeguard against legal disputes or ownership ambiguities. ICICI Bank’s resale document checklist ensures the property’s clear title, past transaction history, and compliance with local regulations
| Document Required |
|---|
| Seller verification |
| Copy of PAN or Aadhaar Card, of all the sellers |
| 3 months Seller’s Bank Statement |
| Bank Statement reflecting Own Contribution Receipt (OCR) Clearance |
Read More: Everything You Should Know About Resale Properties
ICICI Bank Home Loan: Under Construction Property Documents
Financing an under-construction property involves meticulous scrutiny of approvals and construction progress. ICICI Bank’s document requirements focus on validating builder credentials, regulatory clearances, and staged disbursement agreements to protect your investment.
| Document Required |
|---|
| Bank Statement reflecting OCR Clearance |
Read More: Home Loans for Under Construction Properties
ICICI Bank Home Loan: Land Loan / Self Construction / NRP Plot + Construction Documents
Land loans or self-construction projects require documentation that validates land ownership, construction plans, and regulatory approvals. ICICI Bank’s tailored checklist ensures transparency and compliance for plots, new constructions, or Non-Resident Punjab (NRP) property ventures.
| Document Required |
|---|
| Declaration for self-construction |
Read More: ICICI Bank Plot Loan
ICICI Bank Home Loan: Lease Rental Discounting (LRD) Documents
Lease Rental Discounting (LRD) leverages rental income to secure your home loan, necessitating proof of lease agreements and property valuation. ICICI Bank’s LRD documents verify rental cash flows, tenant credentials, and property legality to determine loan eligibility.
| Document Required |
|---|
| Facility Agreement with franking |
| Hypothecation Deed with franking |
| Trust and Retention agreement |
| Single Composite letter for Lessor and Less |
Read More: What is Lease Rental Discounting?
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Frequently Asked Questions
You need identity proof, address proof, income proof, and property-related documents. Specific requirements may vary based on your profile.
Typically, lenders require the last two years of Income Tax Returns. However, requirements can vary by lender and applicant profile.
After repaying your loan, request a No Objection Certificate from ICICI Bank by contacting their customer service or visiting a branch.
As of February 2025, ICICI Bank offers home loans with interest rates starting from 8.75% per annum.
Lenders typically offer a loan amount where the EMI does not exceed 40-50% of your monthly income. With a ₹25,000 salary, you might be eligible for a loan with an EMI of ₹10,000 to ₹12,500, depending on other factors.
Some lenders may offer home loans without ITR, especially to salaried individuals with sufficient income proof. However, providing ITR enhances your loan eligibility and approval chances.
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