| Criteria | Requirement | | :--- | :--- | | | Indian Citizen / PIO / OCI Cardholder | | Residency Status | Residing outside India for employment, business, or studies (6+ months) | | Age | Min: 21 years | Max: 60 or 65 years (at loan maturity) | | Employment | Salaried professional or Self-employed with minimum 2-3 years of foreign work experience | | Minimum Net Income | Typically ₹25,000+ per month (after conversion). Higher for metros. | | Countries | Eligible in most countries except sanction-list nations (e.g., Iran, Syria, North Korea) | Note: Some Gulf countries (Kuwait, Lebanon) have restrictions. Confirm with ICICI branch before applying. Interest Rates & Fees (Current Estimates – 2025) Actual rates vary based on your profile, loan amount, and RBI repo rate.
Buying a dream home in India while living abroad is a significant milestone. ICICI Bank is one of the leading lenders for Non-Resident Indians (NRIs), offering tailored home loan solutions with competitive interest rates and seamless digital processes. nri home loan icici
