ICICI Personal Loan Interest Rates 2023, EMI Eligibility Calculator
Apply for ICICI Personal Loan online at low interest rates. Check Personal Loan eligibility, Processing Fee, EMI calculator, Tenure, Payment option, Documents required for approval.
Borrowers can apply for ICICI Bank Loan for personal need for the end use to House renovation, Holidays, Purchase of consumer durables, Education, Marriage, Short Term loan for equipment purchase, Short Term Working Capital, Any other personal emergency.
ICICI Personal Loan Quick Apply
ICICI Personal Loan Interest Rates
Instant Approval, loan up to 20 lakh* @11.25%*, disbursal in 72-hrs*.
Get Instant Approval · Attractive Interest Rate · Flexible loan tenure
Processing fees just 1.25% of loan amount.
Attractive interest rates as low as 11.25% on wards* on your personal loan.
Types: Marriage Loan, Vacation Loan, House Renovation Loan, Education Loan, Working Capital Loan
ICICI Personal Loan Eligibility
Get personal loans up to Rs. 20 lakh for salaried, up to Rs.30 lakh for self employed and up to Rs.40 lakh for doctors. Bank offer flexible repayment option of 12-60* months.
Example – Below is the pre-calculated monthly EMI is derived, based on loan amount, interest rate & repayment period. In the given EMI table rate of interest is 11.50%.
| Loan Amount | Tenure | Interest Rate | Monthly EMI | Total Amount | Total Interest |
| 1 lakh | 5 yrs | 11.50% | ₹2,199 | ₹1,31,956 | ₹31,956 |
| 1.5 lakh | 5 yrs | 11.50% | ₹3,299 | ₹1,97,933 | ₹47,933 |
| 2 lakh | 5 yrs | 11.50% | ₹4,399 | ₹2,63,911 | ₹63,911 |
| 2.5 lakh | 5 yrs | 11.50% | ₹5,498 | ₹3,29,889 | ₹79,889 |
| 3 lakh | 5 yrs | 11.50% | ₹6,598 | ₹3,95,867 | ₹95,867 |
| 3.5 lakh | 5 yrs | 11.50% | ₹7,697 | ₹4,61,845 | ₹1,11,845 |
| 4 lakh | 5 yrs | 11.50% | ₹8,797 | ₹5,27,823 | ₹1,27,823 |
| 4.5 lakh | 5 yrs | 11.50% | ₹9,897 | ₹5,93,800 | ₹1,43,800 |
| 5 lakh | 5 yrs | 11.50% | ₹10,996 | ₹6,59,778 | ₹1,59,778 |
ICICI Bank Personal Loan Retail Branches In India
| Branch | Address | IFSC Code |
| Delhi | No 2919 – 20,Bahadur Garh Road, Sadar Bazar, New Delhi, Delhi, 110006 | ICIC0006295 |
| South Delhi | No 1514 , Kashmere Gate, New Delhi, Delhi, 110006 | ICIC0006626 |
| North Delhi | No 1820, Chandni Chowk, Near Sisganj Gurdwara, New Delhi, Delhi, 110006 | ICIC0006292 |
| Mumbai | Shop no 5 sai kutir plot no 161, Lbs marg, Kurla, Mumbai, Maharashtra, 400070 | ICIC0001202 |
| Chennai | 20 Egmore High Road, Egmore, Tamil Nadu, 600008 | ICIC0006036 |
| Kolkata | Intellect Icon, 232, C.R. Avenue, Girish Park, Kolkata, West Bengal, 700006 | ICIC0003293 |
| Bangalore | 1st Cross, K G Road Extension, No 11, Opposite Menaka Theatre, Bangalore, Karnataka, 560009 | ICIC0000359 |
| Indore | Jawahar Marg , South Rajmohalla, Shri C M Vaishanav Bal Mandir Girls Higher Secondary School, 177, Indore, Madhya Pradesh, 452002 | ICIC0006572 |
| Chandigarh | Sector 17/C, Sco-127/128, Chandigarh, Chandigarh, 160017 | ICIC0006591 |
| Jaipur | Rambagh Palace Hotel Bhawani Singh Marg, Rambagh Circle, Jaipur, Rajasthan, 302005 | ICIC0006778 |
| Bhiwadi | B – 294 & 295 Riico Industrial Area, Bhiwadi, Rajasthan, 301019 | ICIC0000509 |
| Pune | 455/46,raviwar peth,p.b. no.581, Phadke houd, Pune, Maharashtra, 411002 | ICIC0006450 |
| Thane | Pokharan Road Number 2, Malhar Housing Society, Lokpuram, Thane, Maharashtra, 400610 | ICIC0006988 |
| Nashik | Madhura Complex, Near Nasardi Bridge, Untwadi, Nashik, Maharashtra, 422008 | ICIC0001871 |
| Nagpur | 222, Vishnu Vaibhav, Gr. Floor, Palm Road, Civil Lines, Nagpur, Maharashtra, 440001 | ICIC0000059 |
| Faridabad | Sector 16, SCO 104-105, Faridabad, Haryana, 121007 | ICIC0000083 |
| Ghaziabad | R- 1/88, Raj Nagar, Ghaziabad, Uttar Pradesh, 201001 | ICIC0006286 |
| Noida | A 3 13, Sector 110, Noida, Uttar Pradesh, 201304 | ICIC0000815 |
| Trivandrum | Pazhaya road, Medical College, TC1/1491, Thiruvananthapuram, Kerala, 695011 | ICIC0000336 |
| Bhopal | Bhopal Plaza, Hamedia Road, Shop Number 29 To 33, Near Bhopal Takies, Bhopal, Madhya Pradesh, 462001 | ICIC0000590 |
| Agra | 8/483, Hing Ki Mandi, Agra, Uttar Pradesh, 282003 | ICIC0001566 |
| Ahmedabad | Shop No-1, BhikuBhai Chambers, 18 GandhiKunj Society, Kochrab Ashram, Ashram Road, Paldi, Ahmedabad, Gujarat, 380006 | ICIC0002311 |
| Surat | Udhana Mainroad, Plot No 25A, Sub Plot No. 8, Opposite Silicon Shoppers, Surat, Gujarat, 394210 | ICIC0001385 |
| Vadodara | R.C. Dutt Road, Alkapuri, Premier Chambers, Vadodara, Gujarat, 390007 | ICIC0006549 |
| Navi Mumbai | Coral Crest Co-Op Hsg Society, Unit 14, Plot No 3, Sector 23, Nerul (E), Navi Mumbai, Maharashtra, 400706 | ICIC0000408 |
| Coimbatore | No 16, Shastri Road, Ramnagar, Coimbatore, Tamil Nadu, 641009 | ICIC0006152 |
| Dehradun | Chakrata Road, 43, Tagore Villa, Dehradun, Uttarakhand, 248001 | ICIC0001593 |
| Hyderabad | Opp. Arya Samaj Mandir, Ambica Icon,4-5-962, Badichowdi, Koti., Hyderabad, Telangana, 841301 | ICIC0001941 |
| Hyderabad | Himayat Nagar, opposite Telugu Academy, Hyderabad, Telangana, 500029 | ICIC0006305 |
| Visakhapatnam | Sesha Arcade, National Highway – 5, Door Number 7 – 15 – 15 and 16 , Ground Floor, Old Gajuwaka, Gajuwaka, Andhra Pradesh, 530026 | ICIC0001108 |
| Vijayawada | MG Road, 40-1-127,128&129, Murali Chambers, Vijayawada, Andhra Pradesh, 520010 | ICIC0006306 |
| Varanasi | Sigra, D 58 – 19 A – 4, Varanasi, Uttar Pradesh, 221010 | ICIC0000310 |
| Thrissur | Shornur Road, Delma Complex, Opposite Co-operative Hospital, Thrissur, Kerala, 680001 | ICIC0000180 |
| Raipur | Jaistambh Chowk, Beside Head Post Office, Raipur, Chhattisgarh, 492001 | ICIC0001349 |
| Meerut | Begum Bridge Road, Citi Plaza, Meerut, Uttar Pradesh, 250002 | ICIC0006962 |
| Ludhiana | Zandu Tower Miller Ganj, BXV 136-139, Opposite Fire Station, Ludhiana, Punjab, 141003 | ICIC0006319 |
| Jalandhar | Civil Lines, Property no. 140/3, Pacca Bagh, Opposite Nehru Garden School, Jalandhar, Punjab, 144001 | ICIC0001512 |
| Warangal | Warangal Central, J P N Road, Door Number 9 – 1 – 3, 4, 5, 6, 7, Warangal, Telangana, 506002 | ICIC0000922 |
| Nellore | Door No.23/1462, Aditi Crystal, Dandayudhapuram, Nellore, Andhra Pradesh, 524003 | ICIC0006310 |
| Patna | Viswanath Plaza, Meethapur Khagaul Road, Patna, Bihar, 800001 | ICIC0003343 |
| Gurgaon | 972/18, Civil Lines, Gurgaon, Haryana, 122001 | ICIC0001148 |
| Mysore | Ambal Building, Thoppumpady, First Floor, Near Gammon Bridge, Kochi, Kerala, 682006 | ICIC0001691 |
| Kozhikode | Shafeer Complex, Opposite Ymca Kannur Road, Kozhikode, Kerala, 673001 | ICIC0006265 |
ICICI Personal Loan FAQs – Frequently Asked Questions
Personal Loan form ICICI Bank (do not put any type of security) loan provided by a bank and non-banking financial company (NBFC) based on – income, previous credit record, repayment capacity, employment type and more. Personal loan is available for salaried and self-employed.
What is ICICI Bank personal loan?
This is a unsecured loan and helps you to meet your financial requirements. You don’t usually need to pledge any asset as collateral or security for availing personal loan. It is totally based on your credit record and CIBIL Score.
How to apply online ICIC personal loan?
You can apply easily online for personal loan at emicalculator-india.
What are the Interest Rates charged from ICICI Bank?
Interest rate is the value that borrower have to pay on the principal loan amount.
What is Personal Loan EMI Calculator?
It is online tool that help to calculate personal loan emi, give you an idea about interest to be paid.
ICICI Personal Loan eligibilty criteria?
- One must have a regular source of income.
- Salaried individual, self-employed business person or a professional both are eligible.
- One must have proper credit record and good CIBIL.
- Final amount sanctioned will depend on your income and eligibility and some other factors as per the lender’s criteria.
What are the tenor options available?
You can choose a repayment period ranging from minimum 12 to maximum 60 months.
Can I foreclose or prepay my Personal Loan?
Yes, you can foreclose or prepay your personal loan, most of lender allow foreclosure after 12 EMI, it depend on lender to lender. And also you have to pay pre-closure charges of 2% -5% of principle loan amount. For prepay, payment can be made through cash, cheque or demand draft.
Is there any processing fee charges?
Processing fee is depend on bank to bank and lender to lender basically it is 2-4% of sanction loan amount.
ICICI Bank offer top-up facility on existing Personal Loan?
Top Up facility is available for those who have paid 12 EMI on the existing Personal Loan. You can Place the request for Top up on existing Personal. The facility is based on your existing personal loan record.
How do I repay availed Personal loan from ICICI?
You can repay the loan in Equated Monthly Instalments (EMIs). You can pay your EMI through auto debit, ECS, PDC.
Who can become a co-applicant?
For self-employed: Son, Daughter, partners with at least 51% Stake to be taken co-applicant, one director to be taken co-applicant.
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