Eligibility

These loans can be availed by resident Indians whether salaried or self-employed and also by non-resident Indians.

   Processing Fees

0.5% - 1% of the loan amount or Rs. 2000/- whichever is higher + applicable Service Tax & Surcharge.

   Document Required

Identity and residence proof (any 1 can be submitted)

1. Valid Passport
2. Aadhar Card
3. Voter ID Card
4. PAN, TAN Card
5. Letter of Allotment

Income proof

1. PAN, TAN Card
2. Income Tax Returns along with computation of income for the last 3 Assessment Year's
3. Balance Sheet for the last three years with Annexure / Schedules
4. Profit & Loss account statements for the last three years with annexure / Schedules



(points 3 and 4 should be of both the individual and the business entity and attested by a CA)



5. Current A/c Statements of the business entity for the last 6 months.
6. Savings Account Statements of the individual for last 6 months.

Other documents

1. Profile for Business
2. Latest Form 26 AS
3. List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company
4. Partnership deed in case of the business entity being a partnership firm
5. Details of outstanding amount, installments, security, purpose, balance loan term including the ongoing loans of the individual and the business entity.
6. Application form with attached photographs of applicants / co-applicants
7. Cheque for processing fee
8. Property related documents

For NRI:

1. Copy of relevant pages of Passport
2. Copy of visa / work permit
3. Overseas address proof:
4. Company .Memorandum and Articles of Association
5. Any one of the following
1. Utility Bill (Electricity, Telephone, Gas)
2. Driving License issued abroad
3. Government issued National Identity Card or Labor Card, or Social Card at the country of residence
6. Original copy of latest overseas bank account showing overseas address
7. Application form with attached photographs of applicants / co-applicants
8. Cheque for processing fee
9. Property related documents

All documents to be self-attested.
Please note that the above list is indicative in nature and the bank may require more documents as per case.

Note: All documents listed above are only indicative of the general list of documents requested by the bank, these may vary depending on your location and financial history. Do check with your bank while applying for the loan.

Link: http://www.icicihfc.com/home_improvement/hi_emi.html