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 15654 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
      "Response part should be improved"
      0.5 3.5/5 "Pretty good"
      ICICI taken all the documents then no body contacted me back, they gave me the relationship manager number then I was following up. Then ICICI taken week times to get back to me, finally they have disbursed the amount with better rate of interest.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Can do better"
      0.5 3.0/5 "Satisfactory"
      No one contacted me from ICICI Team for the personal loan that is why i had not taken the personal loan as of now i had taken a mobile through HDB financial services. No calls no messages nor mail that I had received from ICICI bank team. It was my Manager who recommended me for ICICI.
      Was this review helpful? 0
      , kumbakonam
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Personal loan"
      0.5 5.0/5 "Blown Away!"
      The rate of interest charged by ICICI Bank was around 10.99 for the persona loan, but processing fee is some what high 3%, I personally feel ICICI bank is doing good, why because HDFC bank is charging 5% as the foreclosure charge where as ICICI bank hardly charges 3% for the above mentioned loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Behalf of me, my son have taken a loan from the bank hence my need got fulfilled. ICICI bank is good they have called me twice, once time I was work busy with some other work, hence they called me again. Finally I informed them I don't have any requirement right now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Go head for ICICI"
      0.5 5.0/5 "Blown Away!"
      I had a personal loan with ICICI for the amount Rs. 2 lakhs. After six months of EMI, my salary structure got changed and I started receiving salary delay. But whenever I receive the salary I used to make payment bank have accepted and without any late fee they helped to process the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank requested to me to share the document for the personal loan but at the time unfortunately I held with some other work. Hence I could not process my personal loan with them, now again I am planning to take personal loan with same bank.
      Was this review helpful? 0
      , medak
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I am planning to invest the money in small business, but ICICI asked me to submit three years of work experience. But it has been two years old, that is the reason I could not process my online loan request. Anyway two days back I opened saving account ICICI bank, through them I am going to process the loan.
      Was this review helpful? 0
      , kozhikode
      Reviewed on Oct 19, 2017
    • ICICI Bank Personal Loan
      "Its average"
      0.5 4.0/5 "Great!"
      ICICI Bank expected the salary of Rs.17500 on monthly average, but I was getting the salary of Rs.15,000. Hence I could process my loan with ICICI. Therefore they have closed the loan application. I was looking for principal amount around Rs.1 lakh it was not successful.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Poor services"
      0.5 1.0/5 "Really Bad"
      After me applying for a personal loan with ICICI Bank, I received a call and it was from a branch which was pretty far away. So I requested for a branch which is near by to me. Since I got no call from them, I contacted them personally and their phone is not in coverage. Due to which I postponed the loan decision.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Its good"
      0.5 4.0/5 "Great!"
      My loan was not been sanctioned with ICICI, because I already have other loan based on property and one personal loan. Hence ICICI not willing to do balance transfer option. I am an existing customer of the bank , but I am fine with their norms.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "AVERAGE"
      0.5 5.0/5 "Blown Away!"
      I am happy with the services of ICICI Bank. I have taken a personal loan and I got the funds in my account within ten days. The rate of interest was very high, because my company was not listed in my account. The rate of interest was of 18% and they were high on the charges as well. I would suggest that they need to see the customers statement record and provide a lesser rate than too see to the company listed criteria.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      ICICI Bank contacted me for the personal loan and they asked me for couple of documents as I was talking to the executive about the same. My call was disconnected. It was not a very good experience with the bank. They need to be more professional.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Communication was proper"
      0.5 3.0/5 "Satisfactory"
      ICICI Banks communication with me regarding the Personal Loan application was top notch, I got the details pretty swiftly and efficiently. I felt the Rate of Interest of 17.99 % to be little high, but considering the urgency I was in it was alright for me. I also felt the new executive with the Bank lacked the communication required.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "Okay"
      0.5 4.5/5 "Excellent!"
      My experience with the ICICI bank was really good one for me with them and the customer service was really fine one for me. The loan amount got disbursed within a week of time. I am happy for the personal loan, which got disbursed.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • ICICI Bank Personal Loan
      "excellent service"
      0.5 4.5/5 "Excellent!"
      I have got a personal loan from ICICI I am very much happy with their service before the time I applied for the loan the rate of interest was high with them but once I applied for a loan their branch manger have reduced the rate of interest rate and already I have uploaded the documents in the website so they have not asked for my documents during the process ,service from ICICI for my personal loan was excellent.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Dissatisfed"
      0.5 1.0/5 "Really Bad"
      ICICI interest rate was very high for the personal loan, I have taken the amount 3.6 lakhs for the interest rate of Rs. 12.5% of interest it was huge and also they taken around Rs.10,000 as a processing fee. I am disappointed with them on charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Overall good"
      0.5 4.0/5 "Great!"
      It was a good experience with ICICI Bank for the personal loan. The customer services are good and the response is also good. There has been no hassles in the document collection. The only drawback is the loan amount. I was initially offered 3.5 Lakhs and the bank wanted to offer only 1.5 lakhs. Then I refused the loan and the bank finally disbursed two lakhs.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Good response"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with ICICI bank. I got a proper and prompt response. The customer service is good. The interest was nominal. The documentation process was good. They have sanctioned the loan on time, The preclosure and part payment option is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Hassle Free"
      0.5 5.0/5 "Blown Away!"
      I don't have any issues with ICICI, they gave me good service, I took the personal loan of ICICI for the principal amount of Rs. 4 lakhs it has the tenure of four years. I am quite fine with their interest rate and processing fee even EMI option is also good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 16, 2017
    • ICICI Bank Personal Loan
      "Best service "
      0.5 5.0/5 "Blown Away!"
      I had taken a personal loan from ICICI bank for an amount of one lakh at low interest rate they had taken a minimum amount of processing fees from my principle amount.They took almost 5-7 days to credit the amount. It was a much quick process as compared to other banks in the market.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
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