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Extra funds with quick processing

  • Top up above originally sanctioned amount

  • Instant provisional sanction

  • Disbursement in NRO Savings Account

  • Tenure of up to 20 years

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Loan Amount

Interest Rate

Duration

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

Things you should know

  • Documentation Checklist

    Submit KYC, income proof, and NRI status documents. Self-employed applicants must provide audited financials and business proof

  • Eligibility Criteria

    Available to NRIs with existing mortgage loan from ICICI Bank. Minimum income and creditworthiness are evaluated

  • Disbursement in NRO Account only

     Top up can be disbursed only in an NRO Account

  • Connect With Us

    Dedicated assistance from ICICI Bank offices in New York, ( +1 646 827 8450), California, (+1 408 769 4311),  and Texas(+1 972 480 6851

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 60 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 60)

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 Latest 6 months Business & personal overseas operative bank account statements

- Office address, list of Directors 

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

N 

Y

Overseas Ccedit bureau reports (not older than 45 days) 

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..

Income Proof

Salaried applicants need to provide Salary Slips and Bank Statements, while self-employed applicants need to provide financial statements and tax returns.

Balance Transfer Option

Easily transfer an existing Home Loan from other lenders to ICICI Bank for better interest rates and terms.

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?

An NRI/OCI can apply online through the Express Home Loan (EHL) portal or visit any ICICI Bank Branch in India with the required documents. Here is the process:

Offline Mode:

  • Visit any ICICI Bank Branch in India.
  • Fill out and sign the physical application form.
  • Submit self-attested KYC and income documents.

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. This list is indicative, and additional documents may be needed. 

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.

Top up is available on which existing loans with ICICI bank?

Top up over and above originally sanctioned amount is available on existing Home loan, Loan against Property, Commercial property purchase loan, and on balance transfer of existing loan from other financers. 

 

 

*T&Cs. ICICI Bank offices in the U.S. does not process, approve and disburse any loans.

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