Rates 8.5–9.5%, max LTV 75–80%, tenure up to 30 years. Income proof from overseas employer + NRE/NRO history required.
ICICI processes most of the loan online from your overseas address. SBI undercuts on rate by 35-50bps but requires a branch visit (or a power of attorney + Indian co-applicant). HDFC sits in between — branch experience but excellent NRI service desk.
Application + sanction + disbursement entirely online if you already have an ICICI NRI account. 80% LTV, 30-year tenure. Processing fee 0.5% capped at ₹50K.
35-50bps cheaper than private banks. On a ₹1cr loan over 20 years, that's ~₹6L saved. But branch + papers + Indian co-applicant typically required. Worth it for cost-conscious NRIs with India trip planned.
Kotak doesn't push back on US-NRI applicants the way some other banks do. If you've had FATCA friction before, Kotak's NRI desk handles it cleanly. Rate slightly higher but cleaner process.
Each is its own focused page.