Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 ICICI Personal Loan EMI Calculator

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.00% - 17.99% Fixed
    2.25% (min. ₹1149) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews

    ICICI Personal Loan EMI Calculator is Rated as "Great!" by 14322 Users

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    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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.

    ICICI Bank Personal Loan Offers
    • 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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  • Personal Loan Reviews

    • ICICI Bank Personal Loan
      "Response part has to be improved"
      0.5 2.0/5 "Expected more"
      Due to improper coordination from ICICI, the loan application got closed. From Bank end there was no response on right time. They reached me after three days of my request and collected the documents finally it got closed without any intimation.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Below average service"
      0.5 1.0/5 "Really Bad"
      I haven't got any kind of response from the ICICI bank . It was me who took initiative and made a follow up with the ICICI bank executives to get the personal loan but still no one gave proper responsefrom ICICI bank, that was the reason I haven't proceed my personal loan application with ICICI bank. The rate of interest is bit high , when compared with others. I would say it was a below average service.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "High on ROI & charges"
      0.5 3.0/5 "Satisfactory"
      I did not go ahead with ICICI Bank because I was offered a high rate of interest. I got a rate of around 15% where as I was getting lesser rates from other banks for the personal loan. The services and response was on time and there were couple of follow up calls too.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Loan process should be fleixible"
      0.5 2.0/5 "Expected more"
      ICICI was looking for last six bank transactions, I have an account with SBI but I have a transaction around five years. Hence ICICI have rejected my personal loan application. I have submitted all of my documents, they have check my credit score as well finally they rejected it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Better Service"
      0.5 4.0/5 "Great!"
      The ICICI bank gave a call and asked me from which company I am receiving the salary and I told my company name but I am receiving the salary from 2 different company names , so very next day I got a text from ICICI bank saying that My personal loan application got cancelled. The customer service and the response was good with ICICI bank. The rate of interest is nominal with ICICI bank. I would say it was an average service from ICICI bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Interest rate should be flexible"
      0.5 1.0/5 "Really Bad"
      Initially when I applied for the personal loan through online channel, they committed I would be getting the interest rate around 14% for the principal amount of Rs. 1.5 lakhs but ICICI bank offered me 17% of interest. First time my loan application got closed but again I approached ICICI and took the loan due to emergency purpose.
      Was this review helpful? 0
      , bhilwara
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      The major issue with ICICI was, there were in need of a permanent address proof, however I keep traveling from one place to another as that was my job nature, also they were in need of permanent office address proof as I dont hold one ICICI Bank refused to approve the loan a latter stage. Their customer service executive needs to know what needs to be done in order for the customer to get the loan. Also their interest rate is high when compared with others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Provide the reason for declining"
      0.5 2.0/5 "Expected more"
      ICICI bank contacted me for the personal loan and the executive came over and collected the documents. The process was on and later the loan was rejected. They have not given me the reason of rejection, which was not satisfactory. The interest rate and charges were very much normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 2.5/5 "Just OK"
      ICICI Bank was very keen when it comes to documents collection, they were in need of more number of documents. I had submitted all the relevant documents with ICICI. Rate of interest was in line with the market rate. Also I had got an average service from ICICI.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.5/5 "Pretty good"
      ICICI Bank contacted me and provided all the details for the personal loan. The documentation was also taken. The bank did not process the loan because I do not have a existing credit history as this is my first time applying for a loan and I not hold a credit card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Documenation process should be easier"
      0.5 2.0/5 "Expected more"
      ICICI documentation process was very inconvenient. When I applied for the personal loan, I got a call and requested me for the Form 16 and attested bank statements, I am not fine with that. So I thought not process with ICICI bank for the personal loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 4.0/5 "Great!"
      ICICI told that my salary has not met their eligibility criteria to process my personal loan application. The customer service and the response was not up to the mark with with ICICI bank. The rate of interest was high when compared with others. The customer service with ICICI bank need improvement in future.
      Was this review helpful? 0
      , muzaffarpur
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Above average service"
      0.5 4.0/5 "Great!"
      I was not available at my place when ICICI executive came for the verification, so that was the reason ICICI bank has cancelled my personal loan application. The rate of interest is higher than other bank, Intially they have promised for differnet interest rate and after that they have increased the interest rate. The customer service with ICICI bank was good. It was an avergae service with ICICI bank.
      Was this review helpful? 0
      , gondia
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Communication part should be improved"
      0.5 1.0/5 "Really Bad"
      I am not aware why ICICI Bank rejected my personal loan application. Because, I have submitted all the documents to them, finally it got rejected without informing me also the reason was not disclosed to me. I didn't get any sort of communication from them, whatever it may be they should communicate to the customer, they should not reject the application without intimating it to the customer.
      Was this review helpful? 0
      , thiruvallur
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Good service can do better"
      0.5 3.0/5 "Satisfactory"
      I have got the loan amount through some other source that was reason, why I haven't got personal loan with ICICI bank. The rate of interest is nominal with ICICI bank. The customer service and the response was good with ICICI. I would say it was an average service with ICICI bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      The interest rate offered by ICICI Bank is relatively too high, that was the reason I didn't proceed ahead with the ICICI bank loan. The ICICI executive gave a call and explained me about the products. I would like to suggest that ICICI bank can reduce interest rate in future. Further, I have got a good service from ICICI bank.
      Was this review helpful? 0
      , amritsar
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Very Good service"
      0.5 4.0/5 "Great!"
      ICICI bank hardly took around 4 days of time to disburse my personal loan . The documentation process was done in a processed way. The rate of interest is very much nominal, when compared with others. The required loan amount was disbursed by ICICI bank and I am happy about the loan amount. To summarize, I would say I am very much satisfied with the ICICI Banking service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      After me applying for a personal loan with ICICI bank, I received one call from them and the lady collected my information and hung up. After which I got no calls from them. Not very sure on the rate of interest and processing charges. I could not proceed for the loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • ICICI Bank Personal Loan
      "Its GOOD"
      0.5 3.0/5 "Satisfactory"
      I have cancelled ICICI personal loan because I was holding my salary account with Standard Chartered bank. Hence I thought to process the loan with existing bank to make process easier. Therefore I didn't avail the personal loan from ICICI but it is good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 22, 2017
    • ICICI Bank Personal Loan
      "Response part has to be improved."
      0.5 3.0/5 "Satisfactory"
      I am unhappy with ICICI banking service, without my intimation ICICI closed my personal loan application. I tried reaching the bank, but unable to contact them. I have submitted all of my documents to ICICI but no response. They should improve on the response part and they should provide a better service too.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 22, 2017
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