Multiple banks. Different interest rates. Call it a "conflict of interest".
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 16471 Users
    Personal Loan BYTES FROM OUR KITCHEN

    ICICI Personal Loan EMI Calculator

    Overview of 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.

    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.

    Apply for Personal Loan
    • 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
      "Good"
      0.5 4.0/5 "Great!"
      I took a personal loan with ICICI Bank through online channel. The rate of interest was quite high comparatively to other banks. The processing fee is good with ICICI. They have offered 85K and monthly installment is 7700 rupees. The tenure was for a period of one year.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Very good"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with ICICI bank. The loan amount was 2 lakhs and the Interest rate was 11% which was average In the market. The customer service and responses was up to the mark. The loan was approved on time and they have provided door step service for collecting documents.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 2.0/5 "Expected more"
      The ICICI bank took around a month time to disburse my personal loan amount, where I got disappointed. The process need to be quick and fast from the ICICI bank personal loan service. I have got the required loan amount and I am satisfied with .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan experience with ICICI bank was very good, the process was smooth and i received my loan amount within 10 days. The loan amount is for Rs 3.06 lakhs with the rate of interest of 14.75% which is nominal rate. Customer service was good and they provided door step service to collect the documents. They charged Rs 7000 as processing fees and tenure of this loan is 5 years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my personal loan with ICICI bank. The loan amount was 1.20 lakhs and the Interest rate was 13.49% which was bit higher than other banks in the market. The tenure period was 5 years and the processing fee was 3%. Here the pre closure is after 6 months. My overall experience was very good.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Good"
      0.5 4.5/5 "Excellent!"
      I have my personal loan with ICICI bank. The loan amount was 94,979 and the rate of Interest was 11.4% which is average. The EMI period was 4 years. The loan process was good and the processing fee was 2000 which is nominal. Here the pre closer is after 6 months. My experience was good and its recommendable.
      Was this review helpful? 0
      , bhopal
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It is a very fast process with Icici personal loan department. The rate of interest is fine and the customer support is prompt. Icici personal team staffs have collected my documents from my door step which was a easy process,it was a excellent experience with Icici personal loan department.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan application was approved by ICICI bank and the experience was very nice. The loan amount is for Rs 2 lakhs with the rate of interest of 17% which is high when compared to all other banks. The process was smooth and i received my loan amount within 1 week. Customer service was good and their response was also good. They did not clarify about he processing fees and tenure of this loan is 3 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got the loan amount within 5days of time from ICICI bank. The response part is quick and fast from the ICICI bank and they gave me the required loan amount and I am satisfied with it. The rate of interest and the charges are average as pet the market rate.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 17, 2018
    • ICICI Bank Personal Loan
      "Need Improvement"
      0.5 1.0/5 "Really Bad"
      The ICICI bank haven't gave me proper response in regards to my personal loan application. The customer support team haven't gave me any response in regards to my personal loan application. The response part need to be improved with the ICICI bank.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 16, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      ICICI bank took 15days of time to disburse my personal loan amount. The customer support need to be quick and fast because they have promised that they can disburse the loan amount within 48hours of time but they took around 15days of time. The required loan amount has been disbursed and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • ICICI Bank Personal Loan
      "Needs to improve"
      0.5 2.0/5 "Expected more"
      My personal loan experience with ICICI bank was not that good, the process was smooth and i received my loan amount within 1 week. The loan amount was for Rs 2 lakhs with the rate of interest of 14.75% which is high when compared to all other banks. The processing fees was 4% which is high and the tenure of the loan is 5 years. Customer service was not up to the mark and they did not keep up their commitments.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 16, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan experience was very good with ICICI bank, the loan amount disbursed was Rs 2.38 lakhs with the rate of interest of 15.99% which is nominal when compared to all other banks. The process was smooth and i received my loan amount within 1 week. Customer service was good and they responded on time. I did not opt for insurance but they debited the insurance amount. The processing fees was nominal and the tenure of this loan is 5 years.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 16, 2018
    • ICICI Bank Personal Loan
      "Good banking"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan with ICICI bank,The loan amount is 1.5 lakhs,rte of interest is nominal as co pored to others.The tenure is for 4 years .The EMI amount is 3800.I uploaded documents through online.I am happy banking with them.
      Was this review helpful? 0
      , salem
      Reviewed on Jan 16, 2018
    • ICICI Bank Personal Loan
      "Good banking service"
      0.5 4.5/5 "Excellent!"
      The ICICI bank has disbursed my personal loan within a week time . The customer support was good with the ICICI bank. The required loan amount has been disbursed and I am satisfied with it. The rate of interest and the charges are average with the ICICI bank.
      Was this review helpful? 0
      , kurnool
      Reviewed on Jan 16, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan application was approved by ICICI bank and the experience was very nice. The process was very smooth and i received my loan amount within 1 week. The loan amount was for Rs 5 lakhs with the rate of interest of 14.49% which is nominal rate when compared to other banks. Customer service was good and they collected all the required documents on time. The processing fees was nominal and they even charged for insurance. The tenure of this loan is 5 years and it was overall a good service from ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • ICICI Bank Personal Loan
      "Better service"
      0.5 5.0/5 "Blown Away!"
      My personal loan application was approved with ICICI bank and the experience was good. The process was very fast and i received my loan amount within 1 week. Customer service was good and they responded on time. Documents were verified door step. The loan amount is for Rs 3.5 lakhs with the rate of interest of 10.99% which is nominal rate. They charged 1% processing fee which is nominal. The tenure of this loan is 3 years and it was overall a good service from ICICI bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 15, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It was a very nice personal loan experience with ICICI bank, the process was very smooth and i received my loan amount within 1 week. The loan amount is for Rs 2 lakhs with the rate of interest of 12.99% which is nominal rate. Customer service was good and they provided door step service to collect the documents. The processing fees was nominal and they also charged for insurance which will be refunded if i preclose the loan before the tenure period and tenure of this loan is 4 years.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 15, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      I have my personal loan application approved with ICICI bank and the experience was quite good. The process was bit delayed and it took 1 week for the loan amount to get disbursed. The loan amount was for Rs 50000 with the rate of interest of 16% which is very high when compared to all other banks. Customer service was good and they provided door step service to collect the documents. The processing fees was very high and the tenure of this loan is 4 years.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jan 15, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      My Personal loan experience with ICICI bank was very good, the process was very fast and i received my loan amount within 4 days. The loan amount was approved based on my requirement and the rate of interest was 12.99% which is nominal when compared to other banks. The tenure of this loan is 2 years and the processing fees they charged is 1%. They charge 5% of principal amount if the loan is preclosed after 6 months. Customer service was good and they followed up on time.
      Was this review helpful? 0
      , surat
      Reviewed on Jan 15, 2018
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