Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Personal Loan Reviews

    • ICICI Bank Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      Due to some personal loan reasons I haven't got the personal loan from ICICI bank. The customer service was good with ICICI they gave better response in regards to my personal loan application. The rate of interest which they have offered was nominal.,
      Was this review helpful? 0
      , kannur
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I have got the personal loan disbursement within 10 to 15days of time from ICICI bank. The customer service gave better response in regards to my personal loan. The rate of interst and the charges are nominal with ICICI bank,when compared with others.
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      , bangalore
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Below average service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank executive told that they can't approve the personal loan for the people who are working in the partnership firm,The policy need to be customer centric with ICICI bank. The customer service and their response was average with ICICI bank.
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      , mumbai
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "High on ROI and charges"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan with ICICI Bank and the process is perfect. The customer support is excellent as they did not delay in the process. The rate of interest was of 14% which was on the higher side. The processing charges are high as well.
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      , hyderabad
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I am a customer of ICICI bank , but my personal loan got rejected from ICICI because my salary haven't met their eligibility criteria , The customer service is good with ICICI bank.. The rate of interest is high when compared with other banks.
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      , navi mumbai
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Bad Loan Process"
      0.5 0.5/5 "Unacceptable"
      I applied for BT of existing personal loan from another bank to ICICI bank and submitted all the documents and check. Then i got message saying i got personal loan approval of twice the amount i intend to take with more interest rate then existing loan and it was approved as fresh loan instead of BT from another bank which makes me to pay for the two loans at a time. I tried to contact the icici bank people and they ask me check with agents regarding the issue. and for the past one week the 3 agents phone are not reachable and when it gets connected one person is keep on telling its a wrong number, other person is informing me he is busy and ask me to call after 5-10 mins entire day. I want to cancel the loan and get back my documents and check
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      , hyderabad
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the services "
      0.5 1.0/5 "Really Bad"
      ICICI Bank has not been responsive for my personal loan application. I have applied for one and there was a complete zero response. There were welcome call to check about my request or requirement. It has not been a good experience and I would not want to recommend them.
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      , tandur
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Above average service"
      0.5 4.0/5 "Great!"
      The ICICI bank have sent me text message saying that I have got low credit score sop that was the reason I haven't got the loan from ICICI bank. The customer service with ICICI bank is good., The rate of interest is nominal when compared with others.
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      , mumbai
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      ICICI bank just took 2days to disburse my loan amount. The rate of interest is nominal with ICICI bank. The customer service is prompt with ICICI bank. The required loan amount was not disbursed by ICICI bank, I would say I am not satisfied with the loan amount.
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      , chennai
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Response is good, but high on ROI"
      0.5 5.0/5 "Blown Away!"
      The response was very much prompt with ICICI Bank and the customer services was good. They contacted me on time to process the personal loan. But I did not take the loan finally as the rate of interest and processing charges was pretty high when compared to the other banks. It was around 16%.
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      , bangalore
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      The ICICI bank interest rates are higher than normal so that was the reason I haven't got the loan from ICICI bank. The customer service was good with ICICI bank. They gave prompt response in regards to my personal loan application. I would suggest ICICI bank to lower down the interest rates to the customers those who are drawing the salary of below 30K.
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      , madurai
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      There was a response from ICICI bank for the personal loan. I had sent my documents online and after they checked my details. I was informed the process could not happen because my company was not listed with them. Not sure on the interest rate and fees.
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      , pune
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 2.0/5 "Expected more"
      I have got a text message from ICICI saying that I am maintaining salaried Account with SBI, so they told they can't process my personal loan application. The customer service and the response need to be improved with ICICI bank.The customer service need to maintain more interaction with the customers.
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      , kurnool
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Resposne part should be improved"
      0.5 1.0/5 "Really Bad"
      I have received only one call from ICICI bank fro the personal loan it was also disconnected while I was having conversation with their executive, but then there was no response from their end. It would be great, if they improve on the service part.
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      , coimbatore
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved in ICICI"
      0.5 3.0/5 "Satisfactory"
      I got a funds from other source hence there is no requirements to take personal loan from ICICI and also I haven't got any response from Bank end, but interm of interest rate ICICI is providing good interest rate its really quite good but I denied to go head.
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      , rewa
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Response is good"
      0.5 4.0/5 "Great!"
      I had applied for a personal loan with ICICI Bank, the customer services and response was good. It was a quick job and the details was clear explained. I did not have the requirement anymore so I did not take the loan from them. Not sure on the interest rate and charges.
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      , satara
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Response is good"
      0.5 4.0/5 "Great!"
      ICICI Bank was quick to respond to me when I had applied for a personal loan. They kept contacting me on a regular basis and since I was not needing the loan anymore, I did not go ahead. The interest rate and processing charges was normal when compared to the other banks.
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      , new delhi
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 2.0/5 "Expected more"
      ICICI response is not up to the mark for the personal loan, when I approached the bank through online channel they never coordinated on the loan process even I tried reaching the bank directly two to three times but no response. I would like to suggest them to work on the service and response part.
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      , chennai
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Customer's friendly"
      0.5 4.0/5 "Great!"
      ICICI is very fast in the loan process, within 48 hours my loan got approved with nominal interest as per the market. I got my loan number but still my disbursement was not happen. I applied to online channel, I am very fine with the bank response.
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      , coimbatore
      Reviewed on Sep 25, 2017
    • ICICI Bank Personal Loan
      "Unhappy with the services "
      0.5 1.0/5 "Really Bad"
      Though I am an existing customer of ICICI Bank. It was not a very good experience when I had applied with them for a personal loan. I got a call from them after a month to ask me if I am in need of a loan and I told them that I do not need it and asked them to cancel my application.
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      , indore
      Reviewed on Sep 25, 2017
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    ICICI Personal Loan EMI Calculator is Rated as "Great!" by 15234 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
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