Multiple banks. Different interest rates. Call it a "conflict of interest".
  • ICICI Personal Loan EMI Calculator is Rated as "Great!" by 17406 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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.

    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
      "Good service"
      0.5 3.5/5 "Pretty good"
      My experience with ICICI bank for personal loan was good, loan amount was for 3.5 lacs and the rate of interest was nominal in this bank. There are no preclosure charges for this loan. Customer service was good and the tenure period for this loan is 3 years.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 17, 2019
    • ICICI Bank Personal Loan
      "Average Services"
      0.5 2.0/5 "Expected more"
      Taken my personal loan with ICICI by the September last year. Since my salary account with ICICI, i have chosen them. Before purchasing the loan they have said different rates and after received the loan, they have given different interest rate. I have got the loan on time. I complaint to the customer care regarding the interest rate but they were helpless.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • ICICI Bank Personal Loan
      "Charges should be flexible"
      0.5 3.0/5 "Satisfactory"
      I felt the interest rate is higher than other competitor in market, when I took the loan they gave me the interest around 14% for the loan amount of Rs. 5 lakhs. They charge too much of processing fee and other extra charges, it should reduced as per market standard.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • ICICI Bank Personal Loan
      "In banking sector, they are providing good loan"
      0.5 4.0/5 "Great!"
      I have taken the personal loan with ICICI and i have closed the loan before 6 months. I have done a balance transfer. They have provided me a interest rate 11%. The documentation process was quite smooth. I have not faced any issues with the ICICI.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my personal loan with ICICI bank for long time,they have given me sufficient loan amount was sufficient for me, and the rate of interest i have taken up to 13.4% which is nominal for me,the processing fee they have charged me was nominal,there is no hidden charges they have charged me apart from Emi.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2019
    • ICICI Bank Personal Loan
      "Dissatisfied"
      0.5 1.0/5 "Really Bad"
      Earlier I took personal loan from ICICI, initially they haven't told the insurance fee and 2% of processing fee deduces from my the disbursement, finally the bank have taken 4% processing fee from the loan amount. I am very disappointed hence I Closed this loan. Even the executive of ICICI gave one information their personal id and again from official id they send different information.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • ICICI Bank Personal Loan
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      My personal loan is with ICICI Bank and it was a good experience. The process is good and the loan was provided to me on time and as needed. The rate of interest and the processing charges is nominal and there are no hassles in the after loan services.
      Was this review helpful? 1
      , jorhat
      Reviewed on Jan 15, 2019
    • ICICI Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I also have a personal loan with ICICI Bank. The customer services are good and the process was on time. I did not face any delay and the documents was collected on time. I received the loan within a week. The rate of interest and the processing charges is normal.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 15, 2019
    • ICICI Bank Personal Loan
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      I had taken a personal loan with ICICI Bank and the experience has not been up to the mark. They are not flexible in the interest rate and tenure. They need to improve on the services and be more supportive to the customer needs. I would not recommend the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 13, 2019
    • ICICI Bank Personal Loan
      "High on ROI and charges"
      0.5 4.0/5 "Great!"
      ICICI Bank is overall good in the response. I had applied for a personal loan and they contacted me on time and informed me the necessary details.The interest rate and charges is on the higher side. They need to work on that sector as they are higher when compared to the other banks.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 13, 2019
    • ICICI Bank Personal Loan
      "Interest rate and charging fee should be reduced"
      0.5 4.0/5 "Great!"
      The processing is very high in ICICI personal loan, I took the loan amount of Rs. 4 lakhs again I have taken new loan of Rs. 1.5 lakh then they have combined and showed the principal as Rs. 6 lakhs its not fine for me, first installment started from yesterday and the interest and charges are high.
      Was this review helpful? 3
      , kolkata
      Reviewed on Jan 11, 2019
    • ICICI Bank Personal Loan
      "High interest rates"
      0.5 4.0/5 "Great!"
      I had applied for a personal loan with ICICI bank and there was a quick processing. The interest rates are bit high , its somewhere around 15%. I had taken loan in 2014 and recently i had done top up on that. Apart from the interest rates i am happy with the services.
      Was this review helpful? 2
      , chennai
      Reviewed on Jan 11, 2019
    • ICICI Bank Personal Loan
      "Its Good Experience"
      0.5 4.0/5 "Great!"
      For my personal loan ICICI bank have quoted me the rate of interest around 9% its higher compared to other banks.. The loan amount is sufficient, the paper process was happened on time, they have collected the documents and sanctioned it on time.
      Was this review helpful? 3
      , meerut
      Reviewed on Jan 10, 2019
    • ICICI Bank Personal Loan
      "Need improvement on overall service"
      0.5 3.5/5 "Pretty good"
      Initially they told me my loan eligibility was around Rs. 4 lakhs but finally they approved only Rs.2 lakhs and there is no proper communication from the customer service. They have taken the time around 30 days to disbursement the loan amount.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 10, 2019
    • ICICI Bank Personal Loan
      "Processing should be reduced"
      0.5 4.0/5 "Great!"
      In my personal loan, ICICI bank have taken the processing fee around 1.5% from the disbursement amount. I have taken the principal amount of Rs. 3.25 lakhs, totally Rs.2.90 got credited because they taken insurance fee and processing fee. However I got the door step service from their end.
      Was this review helpful? 1
      , bokaro
      Reviewed on Jan 10, 2019
    • ICICI Bank Personal Loan
      "Should provide flexible interest"
      0.5 4.5/5 "Excellent!"
      ICICI gave me the higher interest rate, they quoted the rate around 15% for 4 lakhs it has the tenure period of 60 months. The documentation was very easy, they have released the loan within 15 to 20 days between there was 4 days of diwali holidays. It would be great if they reduce the interest as per the market.
      Was this review helpful? 0
      , dandeli
      Reviewed on Jan 10, 2019
    • ICICI Bank Personal Loan
      "Really Awesome"
      0.5 5.0/5 "Blown Away!"
      It was a very great bank within two minutes they disbursed the loan. They have sanctioned the loan amount to my account. I applied the loan through I mobile application, the interest rate is 12.7% as compared to other bank its okay because HDFC is charging higher than ICICI.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Jan 10, 2019
    • ICICI Bank Personal Loan
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank has offered me a personal loan and the process to get the loan is good. The customer support and response is fine and there are no hassles. The interest rate and processing charges is normal. The after loan services are also satisfactory.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 10, 2019
    • ICICI Bank Personal Loan
      "Good to bank with ICICI"
      0.5 4.0/5 "Great!"
      1 year ago, i have applied the personal loan with ICICI and the service has been good. I have applied the top up also and I'm not sure about it. They have charged me a processing fee of Rs. 7000+insurance of Rs. 1000 hence charges are quite high. Their customer care service is really nice. I have given the documents once again for the top up.
      Was this review helpful? 2
      , bhubaneshwar
      Reviewed on Jan 09, 2019
    • ICICI Bank Personal Loan
      "ROI and charges are high"
      0.5 4.0/5 "Great!"
      The process to get the personal loan from ICICI Bank is good. They contacted me on time and the documentation was on time too. The customer support and response is good. I receive the loan as well as needed. But they need to work on the interest rate and processing charges. It is much higher than the other banks.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 09, 2019
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.