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 16181 Users

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    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
      "Rejected my loan application"
      0.5 2.0/5 "Expected more"
      As my company was not on the list of ICICI bank they were not able to provide me the personal loan.That's the reason why i could not move on with ICICI bank. The customer executive who contacted gave me a good response and all that was satisfying.
      Was this review helpful? 0
      , proddatur
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Rate of interest is high"
      0.5 3.0/5 "Satisfactory"
      I have applied for a personal loan with ICICI bank.The rate of interest with the bank was too high for 3 lakhs rupees. As the high rate of interest with the bank i did not proceed further with the bank. I did not have much interaction with the bank either.
      Was this review helpful? 0
      , guntur
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good response"
      0.5 3.0/5 "Satisfactory"
      Its good bank but my loan application got rejected as i dont have any documents for my current address and the proof which i hold was with my permanent address proof were it is far from my current location. The customer service and response was good.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good bank"
      0.5 3.0/5 "Satisfactory"
      I have applied for a personal loan from ICICI bank. Since i got a better deal from some other bank, i had to close the loan application with this bank ans had to go with the other bank. They gave me good follow up.The customer executives and response was good.
      Was this review helpful? 0
      , patna
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good bank"
      0.5 4.0/5 "Great!"
      I have applied for a personal loan with ICICI bank. And my requirement was about 4 lakhs. I think they have contacted and i could not able to pick up the call. Yes i am totally satisfied with the bank and the response given. In future i can check with them again.
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for a personal loan with ICICI bank. They collected the documents by next day and within a week my personal loan got approved and disbursed my funds after my documents submission. They offered me the loan with 15.99% as rate of interest and the processing fees is Rs. 6000 which is very high. My 1st EMI date is gone my cheque is not collected and customer care is not responding regarding this and they asked me to visit the bank directly for this.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      It was a good customer service i received from the ICICI Bank side. The contacted me on time and delivered all the information required for the loan process .The executive informed me that i don't have pf and esi deduction on my pay slip so the bank can not give the loan , like this they informed me . Well it was a good experience .
      Was this review helpful? 0
      , secunderabad
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan from ICICI bank, my loan application was approved and the requested amount was disbursed. The process was very smooth and easy, it took 10 days for the loan to get approved. The customer service was good, they responded on time and they provided door step service to collect the documents. It was overall a good loan experience.
      Was this review helpful? 0
      , bareilly
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "OK OK EXPERIENCE"
      0.5 1.5/5 "Bad"
      I asked for a top up from the ICICI Bank the Rate of interest was high 14% what they were providing .the customer service was OK but it could have been more better . The Rate of interest was high so i canceled the the application . it was a OK OK experience .
      Was this review helpful? 0
      , jodhpur
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for a personal loan with ICICI bank. They collected the documents little lately and they didn't responded to me quickly or well. My personal loan got approved but it took 3 weeks to disburse the funds after my documents submission. They offered me the loan with 10.99% as rate of interest and there are no processing fees too.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      As I'm a valuable customer with ICICI bank for around 1.5 years they offered me a personal loan which I accepted it and took it. They collected the documents by next day and within a week my personal loan got approved and disbursed my funds after my documents submission. They offered me the loan with 12.50% as rate of interest and there are no processing fees too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good customer service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan from ICICI bank, my loan application was closed because there was an issue with the salary payslip, i did not have payslip for last 2 months due to which they were not able to proceed. Customer service was good and they responded on time. The rate of interest is high when compared to others in the market.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Needs to improve"
      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 an issue with documents. When it comes to customer service, it was not up to the mark, there was some discussion going on in regards to the documents that i have submitted the documents to the third party whereas i did not submit the documents to them. The rate of interest was way high when compared to other banks.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 2.0/5 "Expected more"
      I have applied for the personal loan from ICICI bank, my loan application was closed because i did not have 3 months salary payslip. I was in bed rest as i met with an accident few months back. Customer service was not up to the mark, they did not follow up after the documents were collected. They were still asking for the payslip as they cannot proceed further without it. The rate of interest was not an issue, it was nominal.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was a wonderful experience with ICICI for my personal loan service the customer service was awesome and the documents part was easy with ICICI and they quoted me a interest rate of 11.99 which was good compare to others it was totally a good experience with ICICI for my personal loan service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was a very good experience with ICICI for my personal loan service the customer service was good the interest rate they quoted me was good compare to others in the market and the documents have been collected from my door step it was a fine experience with ICICI for my personal loan service.
      Was this review helpful? 0
      , cuttack
      Reviewed on Nov 17, 2017
    • ICICI Bank Personal Loan
      "Worst service"
      0.5 1.0/5 "Really Bad"
      There is no proper response from ICICI for my personal loan service only once I received a call from them but there was no proper information and proper response from ICICI there was lot of communication problem with ICICI service it was a fine experience totally.
      Was this review helpful? 0
      , lucknow
      Reviewed on Nov 17, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 2.0/5 "Expected more"
      The ICICI bank executives told that my profile haven't met their eligibility criteria. The response part was below average with ICICI bank, there service has disappointed me . I have made the follow up in regards to my personal loan application. The rate of interest was nominal with ICICI bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • ICICI Bank Personal Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      My personal loan experience with ICICI bank was not good because there was no proper response from them after the application was submitted. Customer service was not up to the mark and there was no follow up done. The rate of interest was very high when compared to all other banks.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • ICICI Bank Personal Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from ICICI bank, my loan application was closed because my salary is very less. When it comes to customer service, it was not up to the mark and their response is not good. The rate of interest was way high when compared to other banks.
      Was this review helpful? 0
      , ranchi
      Reviewed on Nov 17, 2017
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