Information only
ICICI Home Finance is a housing finance company (HFC), regulated by the Reserve Bank of India (RBI), which has regulated housing finance companies since 2019, with the National Housing Bank (NHB) supervising them. It is a home loan lender that is a subsidiary of ICICI Bank. Its registered office is at Bandra Kurla Complex, Mumbai, and its corporate office is in Andheri East. Unlike a bank, an HFC cannot take demand deposits such as savings or current accounts, so a loan from it is not a bank loan even though it works in a similar way.
Loans it offers
Loans listed for ICICI Home Finance
| Loan | What to know |
|---|---|
| Home loans | Its main business. |
| Loans against property | Secured on a property you own. |
| Gold loans | ICICI Home Finance does not list gold loans on its website. Gold loans are offered by ICICI Bank, a separate entity. |
LOANZ 360 explains how each of these loan types works: home loans, loans against property, gold loans. It is separate from ICICI Bank and is not a bank.
Key facts
| Fact | Detail |
|---|---|
| Regulator category and layer | Housing finance company. Housing finance company registered with the National Housing Bank. |
| Registered office | Bandra Kurla Complex, Mumbai |
| Corporate office | Andheri East, Mumbai |
| Parent group | Wholly owned subsidiary of ICICI Bank |
As of 8 November 2026, ICICI Home Finance is an active, unlisted company registered as a housing finance company. RBI reviews the upper layer list from time to time, so a lender's layer can change. The latest list is dated 6 August 2026. See the RBI press release of 6 August 2026.
Before you apply
- Ask for the Key Fact Statement (KFS) before you accept an offer. It shows the annual percentage rate (APR), all charges and the repayment schedule in one place.
- Compare the APR, not just the stated interest rate, because processing and other charges set by the lender change the real cost.
- Check the lender's processing fee, foreclosure and part-payment terms, and penal charges. These are set by the lender.
- Read the sanction letter for the name of the legal entity that is lending, as group companies often have similar names.
- Check your credit score (CIBIL or another bureau) and your existing EMIs first. Checking your own score does not lower it.
- Apply only where you are likely to qualify. Too many lender checks in a short time can lower your score.
You can see current rates on the interest rates page and estimate repayments with the EMI calculator. The label on this page that shows whether LOANZ 360 works with this lender or only gives information is drawn from our live records. To see how lenders are shown, read how we rank offers and the lending partners page.
Last updated 12 Nov 2026