Boost your finances with an NRI Top-up on your existing mortgage loan! Get a Top-up over and above the amount sanctioned originally with quick processing and flexible repayment options. Apply today.
*T&Cs. ICICI Bank offices in the U.S. does not process, approve and disburse any loans.
BEST FOR
Top up above originally sanctioned amount
Instant provisional sanction
Disbursement in NRO Savings Account
Tenure of up to 20 years
How to get maximum benefits?
Get higher loan amount
Enhance your loan amount over and above the originally sanctioned amount
Better loan terms for more value
Flexible tenure of up to 20 years
Choose a repayment plan that suits your needs
Attractive interest rates
Repo-linked rates of interest
Benefit from attractive interest rates linked to repo rate
Submit KYC, income proof, and NRI status documents. Self-employed applicants must provide audited financials and business proof
Available to NRIs with existing mortgage loan from ICICI Bank. Minimum income and creditworthiness are evaluated
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
Fill in your basic details and income details.
Check and accept the loan details
Pay the processing fee.
Upload the KYC and income documents.
Download the provisional sanction letter.*
* T&Cs: Final offer is subject to further assessment
Looking for something else?
Get financing for home purchase, construction or renovation
Mortgage your property to meet personal or business needs
Transfer your existing loan and maximize your savings
Apply for a loan to purchase office space or expand your business in India (self-use only)
Finance renovations or upgrades to enhance your home
About 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.
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.
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..
Salaried applicants need to provide Salary Slips and Bank Statements, while self-employed applicants need to provide financial statements and tax returns.
Easily transfer an existing Home Loan from other lenders to ICICI Bank for better interest rates and terms.
NRIs and OCIs with an existing ICICI Bank Mortgage Loan are eligible, provided they have a good repayment track record and a stable income.
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:
Online Mode (via Express Home Loan portal- EHL):
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.
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.
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.
