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

Professional Details
Loan Amount
Yearly Income
Disclaimer: We do not provide Personal Loans but help you to connect with banks to get best deals.
All loans are on sole discretion on the respective banks

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.

Other Products Related To ICICI Bank

  1. ICICI Home Loan
  2. ICICI Loan Against Property
  3. ICICI Car Loan
  4. ICICI Smart Business Loan
  5. ICICI PMAY Scheme
  6. ICICI Bank Credit Card Customer Care
  7. ICICI Personal Loan Tracker