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  • ICICI Personal Loan EMI Calculator is Rated as "Great!" by 17264 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    ICICI Personal Loan EMI Calculator

    The standard of living of an average Indian has undergone unbelievable changes and still continues to be so. The flourishing middle class is one of the major target clients of small scale to multinational brands. Thanks to the IT boom, a marked escalation of disposable earnings in the hands of the youth has been seen in the last couple of decades. This resulted in a considerable change in lifestyle expenses and tastes. What was considered extravagance in the eighties and early nineties, has become the inevitability now. As the transactions of black, white and grey merchandises went up, the customer appliances segments has also went through an exceptional progress.

    Dreams and desires and fulfilling them with the next pay cheque or personal loan has become a normal thing. These days you do not have to save up for ages to invest in expensive electronic items such as a LED TV or even an international holiday. Personal loans are the way out if you are short of cash or do not want to use your savings. Personal Loans provided by ICICI, the top private lender in the country, assuage much of the difficulties that come with traditional loans such as cumbersome paperwork, time taken in approval and disbursement, compulsory guarantor and of course hypothecation of the property/item pledged. It is indeed a multipurpose loan for your individual use. In effect this type of loans shall be utilized for a genuine purposes of any kind and is a distinctive retail loan scheme offered by ICICI.

    Apply for Personal Loan

    Estimating your personal loan EMI repayments and Interest

    Have you been eying that DSLR for months? Are you determined that you will go for that Euro trip no matter what this year? Do you feel frustrated that you simply couldn’t save enough to renovate your house? ICICI Personal Loan is your answer for all these woes. See how below.

    • Avail easy repayment term choices ranging from one to five years
    • You need to repay in interest starting from 11.49 percent
    • If the paperwork is done accordingly, you will get your loan sanctioned in less than three days

    More on putting the ICICI Personal Loan EMI Calculator to good use

    i. Determining the loan sum: On the ICICI Personal Loan page, you can see a slider. You can choose the amount you are looking for using this. For instance, if you wish to borrow INR 15,000, slide to that amount.

    ii. Rate of interest: ICICI Bank offers you a Personal Loan at the rate of 11.49 percent, which is certainly a competitive rate comparatively. It is not required to change this rate to gauge your EMI (amount to be repaid every month). The bank’s Personal Loan EMI Calculator is automated and virtual and will give you your EMI options in seconds.

    iii. Tenure of Loan: Using the same slider, you can also choose a term to repay the loan as per the EMI figured out. If you opt for a longer tenure, EMI will be less and vice versa. The lender can even waive off pre-closure charges at its discretion.

    Explaining ICICI Personal Loan EMI

    EMI is the more known abbreviation for Equated Monthly Instalment and this is quite a convenient option for those who want borrow a large amount. This is the money you have to pay out every month until the end of the loan tenure you have opted.

    EMI Calculation is done on the basis of the below parameters:

    • What the amount you want to borrow from the bank is
    • What the personal loan interest levied by the bank is
    • What tenure options do you have and how comfortable it is

    Personal Loan Reviews

    • ICICI Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan application approved with ICICI bank and the experience was good, the process took 2 weeks to complete. The loan amount was for Rs 60000 with nominal interest rate when compared to others. Customer service was fine with this bank and the tenure period is for 1 year.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 20, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      It was an average experience with ICICI bank for personal loan, there was issue with the rate of interest, initially they said the rate of interest is 12.5% then they increased to 15% and again it was changed to 13.25%. The loan amount was for Rs 5 lacs with tenure period of 5 years and they charged Rs 15000 for insurance for which i did not receive any insurance papers.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 20, 2018
    • ICICI Bank Personal Loan
      "immediate approval and faster service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI Bank but no one us happy with their interest rate. The process was very quick and faster. My personal loan is on going and the duration is 60 months. I have completed 1 or 1.5 years, the monthly installment is 22,756 through ECS. The customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 19, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my personal loan with ICICI bank, the loan amount they have given me was sufficient and the rate of interest they have charge me was up to 11.5% it was nominal and the processing fee they have charged me was nominal it was below 2000 and i have took loan for 2 years, and there overall service was good.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 19, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI bank and my experience was good, the loan amount was for Rs 3.4 lacs and the rate of interest was little high when compared to others. Customer service was good with ICICI bank and the tenure period is 5 years.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 19, 2018
    • ICICI Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My experience was good with ICICI bank for personal loan, the loan amount was received within 10 days and the process was smooth. The loan amount was for Rs 1.5 lacs for 3 years with nominal interest rate. Customer service was good and they responded on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 19, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      My experience was good with ICICI bank for personal loan, the loan amount was received within 10 days and the process was smooth. The loan amount was for Rs 1.5 lacs for 2 years with nominal interest rate. Customer service was good and they responded on time.
      Was this review helpful? 0
      , khargone
      Reviewed on Nov 19, 2018
    • ICICI Bank Personal Loan
      "Not satisfied with ICICI loan services"
      0.5 3.0/5 "Satisfactory"
      I have applied the loan amount of Rs. 2.5 lakhs with ICICI. Since the process was taken for a long time hence i have rejected the loan. It was a bad cusotmer care service from ICICI. When i applied with the different interest rate but they have provided the different interest rate. I'm not sure about the processing fee. They have to do a process fast to the customer.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2018
    • ICICI Bank Personal Loan
      "Perfect loan services"
      0.5 3.0/5 "Satisfactory"
      I find some difficulties in the loan process. I have rejected my personal loan earlier and they have wrongly mentioned my father's name in the application hence i have submitted the documents once again. Interest rates were 10.25% and I'm very much about it. They have not given any support in the customer care service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2018
    • ICICI Bank Personal Loan
      "Good loan services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank provided me the interest rate of 13.25% Loan which i applied was Rs. 2 lakhs and they have approved for the same amount. There are some additional charges of Rs. 10000 as a one time fee. I have chosen the tenure period for 3 years. I've no idea about the pre-closure and after six months i can do the pre-closure.
      Was this review helpful? 0
      , darjeeling
      Reviewed on Nov 18, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 4.0/5 "Great!"
      MY personal loan was taken with ICICI BANK , services is not up to the mark i have to take lot of follow up with this bank . The tenure period is 5year and they gave me preclosere option also with this bank . Rate of interest was too high and even processing fee is high.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using Personal loan with ICICI bank , there rate of interest and processing fee was nominal and there customer support team was okay not that much good and they have not taken any hidden charges and the loan amount which they have given me was okay.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2018
    • ICICI Bank Personal Loan
      "Good experience"
      0.5 4.0/5 "Great!"
      For my elegibility they have provided the loan service in ICICI. They have provided the highest interest rate which is 15.5% for one year. I have bought the loan of Rs. 1 lakh. The documentation process was fast and i have received the loan on time. I have no complaints on the overall loan services.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • ICICI Bank Personal Loan
      "Good loan services"
      0.5 4.0/5 "Great!"
      Taken my personal loan with ICICI bank 2 months ago. I have got my loan amount on a correct time. I got a loan amount of Rs. 1.20 lakhs and they have given me a interest rate 16.40% and the processing fee was around 1%. The documentation process was hampering. There was a issue in the documentation process.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 17, 2018
    • ICICI Bank Personal Loan
      "Awesome services from ICICI"
      0.5 5.0/5 "Blown Away!"
      I was waited for few days for loan disbursal. I have applied the loan amount of Rs. 1 lakhs. They have given me a interest rate of 14.5% and i'm not happy about it. They have deducted Rs. 2250 from the loan amount for the processing fee, I have chosen the tenure period of 36 months. I have not find any difficulties in this loan. They have asked the kyc details many times.
      Was this review helpful? 0
      , allahabad
      Reviewed on Nov 17, 2018
    • ICICI Bank Personal Loan
      "Need to reduce the interest rate and process to be quick"
      0.5 4.0/5 "Great!"
      The services are good and I have taken the personal loan with ICICI Bank. The rate of interest is bit high when compared to other banks. They have taken one week to complete the procedure for documentation. The payment mode is ECS. I opt the loan for 2 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2018
    • ICICI Bank Personal Loan
      "Need to reduce ROI"
      0.5 4.0/5 "Great!"
      My personal loan application was approved with ICICI bank and the experience was good, i requested the loan amount for Rs 2.7 lacs but they gave Rs 1.5 lacs. The process took 40 days to complete and the rate of interest was high when compared to other banks. Customer service was good and they responded on time.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Nov 16, 2018
    • ICICI Bank Personal Loan
      "Very Good services"
      0.5 5.0/5 "Blown Away!"
      I have purchased the ICICI personal loan 1 month back. Overall experience was good. I'm not satisfied with the interest rate. They have provided the huge interest rate and i was expected the interest rate pf 11.5% however they have given the interest of 16%. When i asked them to reduce it they were not ready to do the same. The procesing which they have charged was Rs. 2000.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 16, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      The rate of interest and the charges are high in ICICI Bank. They have taken 10 days to process the loan. I have taken 1L as a personal loan, they charged 2K. The customer support and response was fine. I have to pay monthly Rs.4,932 through online. The loan duration is 2 years.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 16, 2018
    • ICICI Bank Personal Loan
      "Fine experience with ICICI"
      0.5 5.0/5 "Blown Away!"
      I have a bank account with ICICI thats the reason i have gone with ICICI for my personal loan. The interest rate they have provided earlier is 11.99% after they have changed 12.29% when i ask for the bank people they have said that according to my criteria they have provided the same. I have asked the tenure period for 5 years but they have given only 4 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
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