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      Your Loan Summary

      Your Provisional Income Tax Certificate

      Your Final Income Tax Certificate

      Important Notice

      With effect from August 11, 2022, the Mortgage Loan prepayment statement issuance TAT has been revised from the existing 7 days to 1 day

      With effect from November 20, 2022, Mortgage Loan charges are being revised. Please find below the revised list of charges.

      Revision of Charges for Mortgage Loans

      Charges

      Existing

      Revised

      Charges for duplicate NOC/No Dues Certificate

      Rs. 100/- plus applicable taxes and other statutory levies, if any.

      Rs. 250/- plus applicable taxes and other statutory levies, if any.

      Land Loan Penal Interest

      1% penal interest if construction of house on the land is not completed within 4 years from the first disbursement date

      1% annually on the principal outstanding or Rs. 50,000/- whichever is
      lower or such other amount as may be specified by the Bank from time
      to time and it shall be levied as per the discretion of the Bank.
      This will be levied if the construction of the house is not completed within 4 years from
      the first disbursement date. Interest will be levied every year after 4 years till the
      construction is completed.

      With effect from November 20, 2022, new Mortgage Loan charges are being introduced. Please find below, the list of charges applicable.

      Introduction of New Charges for Mortgage Loans

      Charges

      Description

      Loan Document Retrieval charges

      Rs. 650/- plus applicable taxes and other statutory levies, if any.

      Charges for Amortisation Schedule

      Rs. 150/-plus applicable taxes and other statutory levies, if any for physical print out

      Charges for Statement of account

      Rs. 150/-plus applicable taxes and other statutory levies, if any for physical print out

      Charges for prepayment statement

      Rs. 150/-plus applicable taxes and other statutory levies, if any for physical print out

      Cash Transaction Charges (for repayment of EMI due in cash at branches)

      Rs. 100/-plus applicable taxes and other statutory levies, if any.

      Information utility charges (Only for corporate cases)

      Rs. 300/-plus applicable taxes and other statutory levies, if any.

      Charge for non submission of post disbursement documents

      Rs. 5000/- plus applicable taxes and other statutory levies, if any. Every month the said charge will be levied from the day the document is due till the same is not submitted.

      Charges for non collection of property documents post 60 days from the loan closure date

      Rs. 500/- plus applicable taxes and other statutory levies, if any. Every month charges will be levied till collection of documents

      Additional Admin Fee for Non Auto Debit cases

      Rs. 500/-plus applicable taxes and other statutory levies, if any.

      CIBIL Report Charges for Non Individual (Corporate) Applicant/Co-Applicant

      Rs. 500/-plus applicable taxes and other statutory levies, if any

      For a consolidated list of charges, please click here.

      You can reduce the existing rate of interest of your Mortgage loan, by availing of our conversion option. By exercising this conversion option, you can either convert your existing margin to the applicable prevailing margin or you can switch from a floating rate to a fixed rate or vice versa.

       

      You can take the benefit of the conversion facility, by paying a conversion fee of 0.5%*plus applicable goods and service tax on your outstanding loan amount if prepayment charges are applicable in the loan. If prepayment charges are not applicable in the loan then Rs 1,000 plus applicable goods and service tax will be applicable as the conversion fee. Under the conversion facility, you also have the option of either reducing your monthly installment (EMI)** and/or the loan tenure**.

       

      To know more about the conversion facility and the applicable rate or scheme options, you can call our customer care.

       

      You can also visit our loan servicing branch to avail the conversion facility with the following documents:

       

      • Conversion Request Letter, click here to download the document
      • Cheque/Cash for payment of conversion fees
      • Identity proof of applicant and co-applicant (if applicable)

       

      Further, please note that the signatures of the applicant and co-applicant (wherever applicable) are required on all pages of the conversion document.

       

      *In respect of under construction case, for the partially disbursed loan amount, the conversion fees shall be calculated on the outstanding loan amount (original loan amount less loan amount repaid)

       

      **Terms & conditions apply

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      Popular FAQs

      Pre-Payment is a facility available to the customers to pre-close the loan, any time during the loan tenure, before the normal maturity of the loan, by paying the principal outstanding plus applicable charges, as on the customer request date.

      Property documents will be dispatched to the branch where you have submitted the closure request or to the preferred branch, as confirmed by you. All the property owners have to visit the branch for collecting the documents, with a valid ID proof. If the property owners are not available to collect the documents, then the Power Of Attorney (POA) holder can come and collect the original documents, personally; the POA holder has to carry his ID proof. PAN card issued in India is no longer considered a valid proof of identity.

       

      Yes, you can sell the property, even if the loan is running.

       

      Yes, you can make a part payment on your loan account.

       

      You can get the Interest Certificate through ICICI Bank Internet Banking, iMobile Pay or by visiting the nearest Loan Servicing Branch.

      It is the date on which the last instalment is payable, based on the current monthly instalment amount.

       

      VIEW ALL FAQS
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