ICICI Personal Loan EMI Calculator
Preset to ICICI's current personal loan emi rate of 10.85%. Change any value to see your own numbers.
- Current rate 10.85%
- Range 10.85–12.90%
- Rank #2 of 8 banks
- Verified 16 July 2026
ICICI Personal Loan EMI Calculator
- Principal₹5,00,000
- Total interest₹1,50,031
- Total payment₹6,50,031
Where your money goes
- Principal ₹5,00,000
- Interest ₹1,50,031
ICICI personal loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Salaried, top-rated employer | 10.85% |
| Salaried, standard | 11.75% |
| Self-employed professional | 12.90% |
| Loan above ₹15,00,000 | 10.85% |
This Personal Loan calculator is preset to ICICI Bank's current 10.85% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real ICICI loan — change the amount or tenure to match yours.
ICICI's personal loan rates run from 10.85% to 12.90% depending on your profile and loan size. Below is ICICI's full rate table, the fees and rules that actually apply, and how ICICI compares with the 8 banks we track — the one thing no bank's own page will show you.
ICICI personal loan — key facts
- Processing fee of up to 2% of the loan amount plus applicable GST.
- Foreclosure charges of up to 5% of the outstanding principal apply after the initial lock-in period.
- Loan amounts range from ₹50,000 to ₹50,00,000 depending on eligibility.
- Repayment tenure ranges from 12 to 72 months.
How ICICI compares
ICICI's personal loan rate is below the category median — competitive, but HDFC is cheaper at 10.75%.
ICICI personal loan FAQs
What is ICICI's personal loan interest rate in 2026?
ICICI Bank offers personal loan rates from 10.85% to 12.9% (indicative headline 10.85%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a ICICI personal loan?
The processing fee is Up to 2% of loan amount + GST. Processing fee of up to 2% of the loan amount plus applicable GST.
Can I prepay or foreclose my ICICI personal loan early?
Foreclosure charges of up to 5% of the outstanding principal apply after the initial lock-in period.
How is the EMI on a ICICI personal loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 10.85% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.