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ICICI Home Finance Company Limited ("ICICI Home Finance" or "ICICI HFC") is one of the leaders in the Indian mortgage finance and realty space. Its part of the ICICI Group, its offer a wide range of Home Loan products, designed to meet the requirements of its customer base.

Rating - CRISIL FAAA,CARE AAA,ICRA MAAA

Rate Per Annum For Deposits upto ₹ 1 crore
Period (months) Annual / Cumulative Interest (p.a.) Non-Cumulative Interest (p.a.)
Monthly Quarterly
12 7.60% 7.35% 7.40%
15 7.85% 7.60% 7.65%
20 7.85% 7.60% 7.65%
30 7.90% 7.60% 7.65%
35 7.95% 7.65% 7.70%
40 8.05% 7.75% 7.80%
60 8.20% 7.90% 7.95%
75 8.20% 7.90% 7.95%
90 8.20% 7.90% 7.95%
105 8.25% 7.95% 8.00%
120 8.25% 7.95% 8.00%
Minimum Amount ₹ 10,000 ₹ 40,000 ₹ 20,000
Rate Per Annum For Deposits upto ₹ 1 crore
Period (months) Annual / Cumulative Interest (p.a.) Non-Cumulative Interest (p.a.)
Monthly Quarterly
12 7.60% 7.35% 7.40%
15 7.85% 7.60% 7.65%
20 7.85% 7.60% 7.65%
30 7.90% 7.60% 7.65%
35 7.95% 7.65% 7.70%
40 8.05% 7.75% 7.80%
60 8.20% 7.90% 7.95%
75 8.20% 7.90% 7.95%
90 8.20% 7.90% 7.95%
105 8.25% 7.95% 8.00%
120 8.25% 7.95% 8.00%
Minimum Amount ₹ 10,000 ₹ 40,000 ₹ 20,000
For deposits greater than ₹ 1 Cr, rates would be decided on case to case basis.

The Documents required are as follows:

  1. Duly Filled Application Form
  2. Cheque in favour of ‘ICICI Home Fin-FD A/C’ and crossed ‘Account Payee only’
  3. All documents should be self-attested
  1. Passport size photograph
  2. Proof of Identity (POI): Passport, PAN Card, Voter ID Card, Driving License, Aadhaar Card, Ration Card, Job Card issued by NREGA
  3. Proof of Address (POA): Passport, Driving License, Voter ID Card, Aadhaar Card , Accommodation letter from employer ,Documents by foreign authorities ,property/municipal tax receipt , Latest Utility Bill [electricity, telephone, postpaid bill, piped gas, water bill (none of these should be more than two months old)], Latest Bank Account Statement, Job Card issued by NREGA
  1. Self-attested PAN card bearing the name of the HUF
  2. Deed of declaration
  3. Bank account statement in the name of HUF
  4. KYC documents of all the adult members of HUF
  1. Registration certificate, if registered
  2. Partnership deed
  3. Power of Attorney granted to a partner or an employee of the firm to transact business on its behalf
  4. Any officially valid document identifying the partners and the persons holding thePower of Attorney and their addresses
  5. Telephone bill in the name of firm/partners.
  1. Registration Certificate
  2. PAN card
  3. GST or Income Tax Returns
  4. GST certificate
  5. Utility bill not more than 2 months old
  6. Certificate of registration document issued by municipal authorities under shop and establishment act
  7. Complete Income Tax Return (not just the acknowledgement) in the name of sole proprietor where the firm’s income is reflected
  1. Certificate of incorporation
  2. Memorandum and Articles of Association
  3. A resolution from the Board of Directors and power of attorney granted to its Managers, Officers or employees to transact on its behalf
  4. PAN card copy of the company
  5. List, signature and Proof of identity and address (as per KYC documents mentioned for individuals) of the authorised signatory of the company signing the application
  1. PAN Card
  2. Certificate of Registration
  3. Trust Deed
  4. Resolution – Authorising Placement of Deposit
  5. List of Authorised Signatories
  1. PAN card, if available
  2. Nationality
  3. Tax Identification Number (TIN) or a unique number allotted to individual by Government of the country
  4. A certificate from the government of the country
  5. Address for which the certificate issued by Government is applicable

Minimum lock-in period for all types of deposit shall be 3 months.

The interest rates for prepayment of deposits are as under:

period (months) Interest Payable
3 - 6 4 % p.a. and “No Interest” in case of other category of depositors
6 - 12 2 % less than the Interest rate Applicable
12 till maturity 1 % less than the Interest rate Applicable

In the event of the death of the depositor, premature termination of fixed deposits would be allowed; Such premature withdrawal would not attract any penal charge. For other deposits, premature withdrawal is permitted within three months to meet certain expenses of an emergent nature, subject to regulatory conditions.

Loan against deposit is available after 3 months from the date of deposit upto 75% of the deposit amount. Interest on such loans will be 2% above the deposit rate.

The Loan facility is available only to individuals (other than minors & NRI), HUFs, Corporate and Firms.