- ICICI Bank personal loan EMI calculator evaluates the total EMIs, total interest cost and the overall borrowing cost of the applicants.
- The calculator is available online and is free of cost.
- The parameters can be modified as per the requirements.
- Individuals can plan their EMIs according to their budget.
ICICI Bank Personal Loan EMI Calculator
ICICI Bank Personal Loan EMI Calculator allows the prospective borrowers to calculate their total EMIs and total interest cost payable for different loan amounts, interest rates and repayment tenures. The EMI calculator also helps you decide the optimum tenure and loan amount based on your repayment capacity.
Please select from the list
₹
₹1L
₹5L
₹10L
₹15L
₹20L
₹1L
₹5L
₹10L
₹15L
₹20L
₹
50K50L
%
8%30%
1Y 10Y
Your Monthly EMI Payment
₹0
Principal Amount₹0
Interest Amount₹0
Total Amount₹0
Find Best Personal Loan Offers
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
- Interest rate starts at 11% p.a. onwards.
- Loan amount of up to Rs. 25 lakh for tenure of up to 5 years.
- Collateral-free loans.
- Low processing fees.
- No end-usage restriction.
Why Choose Paisabazaar?
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
Features of ICICI Bank Personal Loan EMI Calculator
Comparison of ICICI Bank Personal Loan Interest Rates with Other Lenders
| Banks/NBFCs | Interest Rates (p.a.) |
|---|---|
| State Bank of India | 10.05% - 15.05% |
| HDFC Bank | 9.99% onwards |
| Axis Bank | 9.99% onwards |
| ICICI Bank | 10.45% onwards |
| Kotak Mahindra Bank | 9.98% onwards |
| IndusInd Bank | 10.49% onwards |
| IDFC FIRST Bank | 9.99% onwards |
| Federal Bank | 12.0% - 19.5 % |
| YES Bank | 10.85% - 21.00% |
| Tata Capital | 10.99% onwards |
| Aditya Birla Finance | 10.99% onwards |
| L&T Finance | 11.00% onwards |
| Hero Fincorp | Up to 30.00% |
| Piramal Finance | 12.14% onwards |
| Poonawalla Fincorp | 9.99% onwards |
| Moneyview | 14% onwards |
Factors Affecting ICICI Bank Personal Loan EMI
ICICI Bank Personal Loan Amortisation Schedule
Suppose you borrow a loan amount of Rs. 20 lakh @ 10.45% p.a. for a tenure of 5 years, then the following will be your amortization schedule for 1 year. For the remaining period, the principal component will continue to increase at the same pace, while the interest portion will gradually decrease.
| Month | EMI (₹) | Interest (₹) | Principal (₹) | Balance (₹) |
|---|---|---|---|---|
| 1 | 42,938.28 | 17,416.67 | 25,521.61 | 19,74,478.39 |
| 2 | 42,938.28 | 17,194.42 | 25,743.86 | 19,48,734.52 |
| 3 | 42,938.28 | 16,970.23 | 25,968.05 | 19,22,766.47 |
| 4 | 42,938.28 | 16,744.09 | 26,194.19 | 18,96,572.29 |
| 5 | 42,938.28 | 16,515.98 | 26,422.30 | 18,70,149.99 |
| 6 | 42,938.28 | 16,285.89 | 26,652.39 | 18,43,497.60 |
| 7 | 42,938.28 | 16,053.79 | 26,884.49 | 18,16,613.11 |
| 8 | 42,938.28 | 15,819.67 | 27,118.61 | 17,89,494.51 |
| 9 | 42,938.28 | 15,583.51 | 27,354.76 | 17,62,139.74 |
| 10 | 42,938.28 | 15,345.30 | 27,592.98 | 17,34,546.76 |
| 11 | 42,938.28 | 15,105.01 | 27,833.27 | 17,06,713.49 |
| 12 | 42,938.28 | 14,862.63 | 28,075.65 | 16,78,637.84 |
Swipe to see more table data
What Happens if you Miss Your ICICI Bank Personal Loan EMIs
If you miss your ICICI Bank Personal Loan EMIs, here is what usually happens:
Related Links
Why Choose Paisabazaar?
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
Explore Our Personal Loan Lenders
HDFC BANK
Axis Bank
Kotak Mahindra Bank
ICICI Bank
Federal Bank
IDFC First Bank
Indusind Bank
RBL Bank
Tata CapitalFAQs
A personal loan EMI calculator is an online tool which helps in determining the overall borrowing cost, thereby, assessing the financial stability of the applicant.
Applicants need to enter the interest rate, loan amount and loan tenure in the personal loan EMI calculator and get your EMI, total interest cost and overall borrowing cost instantly.
Yes, you can modify the parameters of the personal loan EMI calculator to check for the most suitable loan amount, interest rate and loan tenure for you.
The higher the interest rate, higher the EMI and interest cost, whereas, lower the interest rate, lower the EMI and interest cost.
By trying multiple combinations of interest rate, loan amount and loan tenure, you can know the loan amount that fits in your monthly budget.
Personal Loan Articles
Importance of No Dues Certificate in Personal Loan Closure
Paisabazaar02 Sept 2025
Loan rejected despite high income? Here’s what you need to know
Paisabazaar19 Aug 2025
Personal Loan for First Time Borrowers: What Customers Must Know
Paisabazaar04 Aug 2025
How I Saved Rs 22,000 on My Personal Loan through Prepayment
Bhumika Khandelwal31 Jul 2025
How Have Personal Loans Advanced Over the Past few Years
Paisabazaar17 Jul 2025
Factors To Consider While Selecting a Personal Loan Lender
Paisabazaar16 Jul 2025
Instant Personal Loan Apps: Avoid These 5 Pitfalls
Bhumika Khandelwal16 Jul 2025
Reasons for Delay in Personal Loan Processing
Paisabazaar09 Jul 2025
APR vs Interest Rate in Personal Loans: What’s the Difference?
Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure
Paisabazaar07 Jul 2025
What our customers say
Loan from Paisabazaar was actually paperless
Tanmay BorkatakiDec 12, 2025
Best place for a small loan
Aridaman Singh ParhichaDec 11, 2025
My loan got approved immediately
Priyam Sarkar MajumdarDec 10, 2025
I get loan from here
Bilal ZaidiDec 9, 2025
Excellant EMI calculator and expert assistance available
Mohit YadavDec 3, 2025
Fully Digital Process for Real.
Gautam BakshiDec 3, 2025
Lower Rate than My Own Bank
Shivani SuryaDec 3, 2025
Pre-approved offers with quick approval
Suraj VermaDec 3, 2025
Same day approval. wow.
Shiv KumarDec 3, 2025
Best Loan Terms on My Credit Score in the Market
SunnyDec 3, 2025
Written By
Vandana Punj
Reviewed By
Shamik GhoshPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
*Applicable for selected customers