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Extra funds with quick processing

  • Top-up over and above original sanction

  • Flexible end use

  • Disbursement in NRO Account

  • Tenure of up to 20 years

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Disclaimer*: For representation purpose only. Final values may vary subject to bank's policy.

Things you should know

  • Eligibility Criteria

    Available to NRI/OCI with existing mortgage loan from ICICI Bank. Final eligibility subject to further assessment.

  • Improve Your Eligibility

    Boost income, reduce debt, and maintain a strong credit score for better chances.

About NRI Home Loan Top-up

What is NRI Home Loan Top-up?

NRI Home Loan Top-up allows the NRI to borrow extra funds over the existing mortgage Loan for renovations, education or other personal needs with flexible terms.

Eligibility Criteria 

Non-Resident Indian (NRI) /Overseas Citizen of India (OCI) with an existing ICICI Bank Mortgage Loan can apply, subject to the income of the person and the repayment capacity.

Required Documentation

Following documents are required:-
Valid Passport, Visa/ work permit, overseas or Indian address proof, PAN Card/Form 97 and overseas Bank Statements are needed. For NRIs from some countries, additional documents such as overseas credit report may be requested.

Type of document

Salaried 

Self-employed

Application form with passport size photo 

Y

Y 

KYC documents:

- Identity proof: Passport 

- NRI status proof: Visa/ Residence Permit/ OCI Card

- Communication address proof (either Indian or overseas) 

- PAN (For NRIs: PAN is mandatory, For OCIs: either PAN or Form 97)

Y 

Y

Income proof: Latest salary slip for the past month or salary certificate 

Y

N 

Income proof: Overseas bank statements of the last 3 months with salary credit

Y 

N

Business proof: 

- 2 years audited Profit and Loss Statements,  IT returns

- Business Incorporation documents 

-  Overseas operative Bank Account statements of the last 6 months

- Office address, list of Directors 

- List of Directors and the shareholding pattern (if customer is a director in his own company)

N 

Y

Overseas Credit Bureau Reports (not older than 45 days, for specific countries only) 

Y

Y 

For Balance Transfer: Last 1 year's Bank Statement with EMI details

Y 

Y

Disclaimer: This is an indicative list only. Additional documents may be asked for on a case-to-case basis..

FAQs

Who are eligible for an NRI Home Loan Top-up?

NRIs and OCIs with an existing ICICI Bank Mortgage Loan are eligible, provided they have a good repayment track record and a stable income.

How can an NRI/OCI apply for a Top-up Loan on the existing Home Loan?

Offline Mode:

  • Visit any ICICI Bank Branch in India and apply with required documentation

Online Mode (via Express Home Loan portal- EHL):

  • Visit the Express Home Loan (EHL) portal.
  • Choose between ‘New to Bank’ or ‘Existing Customer’ journey.
  • Fill all the required details, pay processing fees and upload scanned copies of the original KYC and income documents.
  • Submit the application online for further processing.

 

What documents are needed for an NRI Home Loan Top-up?

The following documents are needed for an NRI Home Loan

Top-up: Valid Passport, Visa/work permit, overseas or Indian address proof, income proof and updated loan repayment history.

How much Top-up can I get on my existing Home Loan from ICICI Bank?

The amount of Top-up you can get depends on your existing loan balance, repayment history and property value. You can get over and above the amount that was originally sanctioned based on the Loan-to-Value (LTV) ratio and market valuation, subject to eligibility and ICICI Bank's assessment.

Customers from which countries are required to submit overseas credit report?

An Overseas Credit Report (not older than 45 days) must be submitted for NRI/OCI customers belonging to USA, UK, Hong Kong, Singapore, UAE, Australia, New Zealand, Canada, Bahrain, Qatar, Kuwait, Malaysia, Saudi Arabia, Ireland, South Africa, Oman. For other countries, it is not mandatory.

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