How to Give Digital Consent for ICICI Mortgage in the UAEApplying for a home loan with ICICI Bank as a Non-Resident Indian (NRI) living in the UAE is easier than ever before. In this blog, we’ll walk you through what a consent pull is, why ICICI Bank needs it, and exactly how you can complete the process in minutes from your phone.

Why Does ICICI Need Your UAE Credit Report?

When you apply for a mortgage with ICICI, the bank must review both your Indian credit report and your UAE credit report. This gives them a full picture of your repayment behaviour across borders.

But UAE credit bureaus don’t allow automatic access so you must provide explicit consent each time a bank requests your report. That’s where Rupeeflo comes in.

What is a Digital Consent Pull?

A digital consent pull is an online authorisation that allows ICICI Bank to securely fetch your UAE credit report after you approve it.

With Rupeeflo, this happens digitally, without paper forms or bureau visits.

✅ 100% Digital – no need to visit a branch or bureau
✅ Secure & Compliant – follows UAE regulations and bank-grade security
✅ Quick & Convenient – just a few taps from anywhere in the UAE

Who Can Use This Service?

This service is only for NRIs residing in the United Arab Emirates who are applying for an ICICI mortgage.

How to Complete the ICICI Consent Pull in 4 Easy Steps

Here’s a step-by-step guide:

Step 1: Download & Sign Up

• Use the download link provided by ICICI to install the Rupeeflo app.

• Sign up using your UAE mobile number.

• Verify both your mobile number and email ID through OTPs.

Step 2: Provide Emirates ID & Passport Details

• From the Rupeeflo home screen, tap “Fetch Your Credit Report.”

• Enter your 15-digit Emirates ID number.

• Upload a clear scan of your passport’s front page.

Step 3: Schedule & Verify with UAE Pass

• Choose a convenient date & time for digital verification.

• At the scheduled time:

  1. Open the UAE Pass app on your phone.

  2. Enter the two-digit PIN shown on your Rupeeflo screen.

  3. Return to Rupeeflo to see your identity marked as verified.

Don’t have the UAE Pass App yet? Download it here: UAE Pass App.

Step 4: Credit Report Sent to ICICI

• Rupeeflo fetches your UAE credit report automatically.

• The report is delivered directly to ICICI Bank.

• You’ll receive a confirmation message in the Rupeeflo app.

After Consent Pull

Once your report is shared, ICICI will proceed with underwriting your mortgage. If the bank needs your report again at a later stage, you can repeat the same Rupeeflo process in just a few minutes.

Frequently Asked Questions (FAQs)

Here are some common queries customers may have:

Q1. Do I need to pay any fee for this consent pull?

👉 No. Currently there are no charges for this service.

Q2. How long does it take for ICICI to receive my report after I give consent?
👉 Typically within a few hours, but ICICI may confirm exact processing times.

Q3. Can I use this service if I live outside the UAE?
👉 No, currently this service is only available for NRIs residing in the UAE.

Q4. Is my data safe?
👉 Yes. Rupeeflo uses bank-grade encryption, and your report goes directly to ICICI without being stored or shared elsewhere.

Q5. What if my UAE Pass is not set up?
👉 You’ll need to activate UAE Pass before completing verification. Setup can usually be done online.

Q6. Who do I contact if I face issues?
👉 Reach out via WhatsApp or email support@rupeeflo.com.