Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • ICICI Personal Loan EMI Calculator is Rated as "Great!" by 16971 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
      "Excellent"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with ICICI bank 3 years back. The loan amount was 2.5 lakhs and the interest rate was satisfactory . The EMI period was 5 years . The process was very good and they have sanctioned the loan wit the committed time,. They have even provided door step service for collecting documents.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 18, 2018
    • ICICI Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      Got my personal loan form icici bank , they instantly processed for documentation and approval process . Rate of interest is also nominal one compared to other banks, their customer service and response is good.Made payments through ECS .The tenure period is 3 years
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Its instant paperless approval personal loan which i got from icici bank. Based on the number of transaction which i made with icici. As the rate of interest is satisfactory but it is acceptable based on our urgency. Their customer service is way good an response was quick .I have chosen the tenure period of 5 years and there is nil processing fees.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI bank and my loan experience was good, the loan amount was for Rs 2 lakhs with nominal interest rate when compared to other banks. I received my loan amount on time and there are no preclosure charges. The tenure period for this loan is 2 years.
      Was this review helpful? 5
      , ahmedabad
      Reviewed on Jul 12, 2018
    • ICICI Bank Personal Loan
      "Go for it"
      0.5 5.0/5 "Blown Away!"
      ICICI is extremely is good in all their products. I have purchased this personal loan 4 months back. They have provided me interest rate 14.75% which is very nominal and processing fee is Rs. 2000. I used to pay the EMI of Rs. 4850. Actually i have applied two times with ICICI due to credit score it got rejected for the first time and the second time it got approved. They are providing the excellent customer care services.
      Was this review helpful? 3
      , surat
      Reviewed on Jul 12, 2018
    • ICICI Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this loan from them had been good and the loan amount which they had provided had been satisfactory. The interest rate has not been too much high or too much low when compared with the market. There has not been any issues faced and their customer support also had been very good where they had been helpful at times.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 12, 2018
    • ICICI Bank Personal Loan
      "Above average service"
      0.5 2.0/5 "Expected more"
      I have taken a personal loan from the ICICI bank for 3 lacs. There were hidden charges, The interest was also higher, overall it hasn't been a good experience taking personal loan from the ICICI bank. They need to get ride of additional hidden charges.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • ICICI Bank Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI bank 1 year back. The loan amount was 3,20,000 and the interest rate was but high than other banks. The tenure period was 4 years . The customer service and responses was up to the mark. I had a smooth documentation also. The processing fee was also nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've taken a personal loan from the ICICI bank for 4 Lacs, I got the loan with in week, the interest rate is low. I am paying an EMI of 9000 per month. It has been a pleasant loan experience with the ICICI bank. I never faced any issues during the application.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I took a personal loan from the ICICI bank for 1.5 lacs. The interest rate was pretty high when comparing to other loan experiences I have and other than that there were no issues with the loan experience. They need to lower their interest rates and keep it in par with the market rate.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Easy to get a loan"
      0.5 4.0/5 "Great!"
      I have got a insta loan service against the ICICI credit card. The customer care servicer is awesome. I have purchased this insta loan in the year of February 2017. I have got a loan amount of 2 lakhs. They have offered me a interest rate of 13% and processing fee is 2.5%. I used to pay the EMI amount of Rs. 9800 every month. Its easy to get a loan from ICICI. I did not provided any documents for this loan. Within 4 working days i have received the loan. We can foreclose this loan without any charges.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Average services"
      0.5 2.0/5 "Expected more"
      This service is so long. Its a time taking process. There is no proper response form the bank as well as the customer care. I have applied the loan amount of around 2 lakhs. They have offered me a interest rate of 12.5%. They have provided me a 1.80 lakhs they have demanding for many documents many times. The executive already collected the documents even though they have asked me to submit the documents thats the main reason i refused the loan. Still now they have not return my documents of PAN card, Aadhar card and cheque
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 10, 2018
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a plan to take my home loan with ICICI bank but simultaneously i am looking for some other sources also.I am looking or 30 lakhs loan mount here . Their customer service and responsiveness was really satisfactory so its recommendable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 07, 2018
    • ICICI Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan application approved with ICICI bank and my experience was good, the loan amount was for Rs 1 lakh with 11% interest rate which is nominal rate in the market. Customer service was good and they followed up on time. The tenure for this loan is 5 years.
      Was this review helpful? 0
      , ulhasnagar
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      My application with ICICI bank for personal loan was rejected, the reason why the application was rejected is because my salary is less than Rs 15000. Customer service was good and their response was prompt. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had a plan to taken my personal loan with ICICI bank. My application was rejected due to my low salary . Their customer service and responsiveness was not good at all.I was looking for 1 lakh loan amount here .My overall experience was average .
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Needs to improve on customer service"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from ICICI bank, my loan application was closed because there was no proper response from the customer service of ICICI bank. They collected documents but after that there was no follow up done. The rate of interest was little high when compared to others.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Documentation process very bad"
      0.5 5.0/5 "Blown Away!"
      I have applied a personal loan of 4 lakhs but it got rejected due to the salary structure. They were looking for a salary around 40 K. They have provided me a interest rate of 9.2% to 10%. They told me that about the normal processing fee which is 1700. I have applied the loan 2 months before. The documentation i have done through online. I never called the customer care service of ICICI. They have not intimated about the eligibility salary amount before collecting the documents.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have applied for the personal loan from ICICI bank, the loan application was closed because of the salary issue, the salary is less than the expected to meet the eligibility. Customer service was not up to the mark with ICICI bank and the rate of interest of 16% is way high when compared to others.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Jul 06, 2018
    • ICICI Bank Personal Loan
      "Documentation process has to be improved"
      0.5 5.0/5 "Blown Away!"
      I'm not aware of the interest rates and other service charges. I have applied the loan amount of 1 lakhs and i have received a call from the concern documentation team but i was not at station when they called me. After that their is no follow up from the ICICI team hence i could not able to provide the documents hence my personal loan got rejected.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jul 06, 2018
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