Non-Resident Indians (NRIs) and Overseas Citizens of India (OCIs) looking to invest in Indian real estate often turn to the for its competitive rates and digital-first application process. As of May 2026 , ICICI Bank remains a prominent lender in this segment, offering specialized housing finance solutions without requiring borrowers to travel to India for every step. Key Features and Benefits
: Borrowers can generally avail up to 75%–90% of the property value depending on the loan amount and borrower profile. Interest Rate Structure : icici nri home loan
| Parameter | ICICI NRI Home Loan | ICICI Resident Home Loan | | :--- | :--- | :--- | | Interest rate | Higher (+0.25% to +0.50%) | Base rate | | Max tenure | 20-25 years | 30 years | | Max LTV | 75-80% | 80-90% | | Power of Attorney required | Yes (mandatory) | Not required | | TDS on interest to bank | 30% | 10% (if PAN available) | Non-Resident Indians (NRIs) and Overseas Citizens of India
: Borrowers can opt for a repayment period of up to 30 years , helping to lower monthly EMI burdens. Interest Rate Structure : | Parameter | ICICI
