ICICI Bank Personal Loan EMI Calculator — FY 2026-27
Calculate monthly EMI for an ICICI Bank Personal Loan at current ICICI rates. ICICI offers pre-approved instant personal loans to existing customers via iMobile. Rate pre-fill tracks ICICI card rate as of 16 April 2026.
Starting rate: 10.75% p.a.Last updated: Editorial
Loan inputs
- Monthly EMI
- ₹16,310
- Principal
- ₹5.00 L
- Total Interest
- ₹87,168
- Total Payment
- ₹5.87 L
Principal vs Interest
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Year 1 | ₹1,95,723 | ₹1,49,181 | ₹46,542 | ₹3,50,819 |
| Year 2 | ₹1,95,723 | ₹1,66,032 | ₹29,691 | ₹1,84,787 |
| Year 3 | ₹1,95,723 | ₹1,84,787 | ₹10,936 | ₹-0 |
About this ICICI EMI Calculator
This ICICI EMI Calculator computes the monthly EMI, total interest, and full amortization schedule for a ICICI Bank personal loan at the current rate card (starting 10.75% p.a. for eligible borrowers). It uses the same reducing-balance formula that ICICI Bank’s official per-lakh EMI table publishes, so the output matches your sanction letter to the rupee.
ICICI Bank offers EMI calculator variants across loan products — pick the one that matches your use case:
- ICICI Home Loan EMI — starting 8.75% p.a., up to 30-year tenure
- Car Loan rates at ICICI — starting 9.25% p.a., up to 7-year tenure, fixed-rate
For the generic EMI math that underlies every bank’s calculator, see the general EMI Calculator. For a full lifetime-cost model, use the Home Loan Total Cost Calculator.
ICICI Bank Personal Loan EMI Calculator — FAQ
What is the current ICICI personal loan interest rate?
ICICI personal loan rates typically start from 10.75% p.a. for top-tier profiles (high CIBIL + salary > ₹75K + existing ICICI customer). Walk-in rates can go up to 18% depending on credit profile (FY 2026-27 — confirm on icicibank.com).
Can I get an instant personal loan from ICICI?
Yes, if you're pre-approved (visible in iMobile / Internet Banking). Instant loans disburse in minutes, up to ₹50 L. If not pre-approved, you'll need full KYC + income proof + credit assessment (2-5 business days).
What is the maximum personal loan amount from ICICI?
Up to ₹50 L for salaried, ₹25 L for self-employed. Typical loan-to-income cap: 8-12× net monthly salary. Existing EMIs reduce eligibility.
Are prepayment charges applicable on ICICI personal loans?
Yes. ICICI typically charges 5% of outstanding principal + GST. Personal loans are not covered by RBI's no-prepayment mandate. Budget the charge into your cost of switching to a cheaper lender.
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