Home Improvement Loan 

1

Duly signed application form with passport size photograph affixed
(Applicable only if the Loan is applied for physically at a branch)

Y

Y

2

KYC documents

• Identity Proof: Valid Passport
• NRI Status Proof: Valid work Visa/Residence Permit/Permanent Citizen Card. OCI Card (applicable for OCIs only). In the absence of an OCI Card, OCI declaration in ICICI Bank format must be submitted
• Overseas Address Proof
• Indian Address Proof: (Proof is required, only if address is selected as mailing/communication address)
• PAN Card: In the absence of PAN, FORM 60 must be submitted

Y

Y

3

Income proof

• Latest <2> months Salary/Wage Slips or Salary Certificate
• Latest <3> months Overseas Bank Statement with salary credit

Y

Y

N

N

4

Business proof

• Latest <3> years audited/CA certified /CPA compiled/reviewed P&L Accounts & Balance Sheet (along with schedule)
• Latest <3> years IT Returns and Computation of Income
• Copy of Incorporation of Business (Equivalent to Memorandum of Association and Article of Association)
• Latest <6> months Overseas Operative Bank Statement
• Incorporation Certificate/Company Registration Certificate
• Office Address Proof
• List of directors and shareholding pattern

N

Y

5

Overseas Credit Bureau Report

(Must reflect credit score and repayment history of overseas Loans and Credit Cards, not older than <45> days)

(Applicable for USA, Canada, UK, Singapore, Hong Kong, Germany, Kuwait, Saudi Arabia, Bahrain, Qatar, UAE, Oman, New Zealand, South Africa, Australia, Ireland)

Y

Y

6

Additional Documents required for Balance Transfer only:
Last <1> year’s Bank Statement of the Account from which EMI is getting debited or Statement of Loan

Y

Y