ICICI Bank Personal Loan EMI Calculator (2026) – Free Online Tool
📈 ICICI Bank Rate: 10.85% – 19% p.a. (2026)
ICICI Bank Personal Loan EMI Calculator
Loan Amount ₹5,00,000
Interest Rate (% p.a.) 10.85%
Loan Tenure (Years) 5 Years
Your Monthly EMI
Calculating…
Principal Amount–
Total Interest Payable–
Total Amount Payable–
Enter loan details and click Calculate EMI.
Principal vs Interest Breakdown
Principal
Interest
EMI Breakdown Table – Year-wise Amortization Schedule
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance | P vs I Split |
|---|
How to Use ICICI Bank EMI Calculator
The ICICI Bank Personal Loan EMI Calculator helps you calculate your exact monthly EMI instantly. Enter 3 values and get results in seconds:
- Enter your Loan Amount (₹50,000 to ₹40,00,000)
- Set the Interest Rate — ICICI Bank offers 10.85% – 19% p.a.
- Choose Loan Tenure — 1 to 6 years
- Click Calculate EMI — get instant results with chart
EMI Calculation Formula
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]
P = Principal Loan Amount | R = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100) | N = Tenure in Months
P = Principal Loan Amount | R = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100) | N = Tenure in Months
ICICI Bank Personal Loan Interest Rates 2026
ICICI Bank offers personal loan interest rates from 10.85% – 19% p.a. in 2026. Rates depend on your credit score and income:
| Credit Score | Interest Rate (p.a.) | Max Loan Amount | Max Tenure |
|---|---|---|---|
| 750+ | 10.85% – 12% | ₹50 Lakhs | 6 Years |
| 700–749 | 12% – 15% | ₹30 Lakhs | 5 Years |
| 650–699 | 15% – 17% | ₹15 Lakhs | 4 Years |
| Below 650 | 17% – 19% | ₹5 Lakhs | 3 Years |
*Rates are indicative. Contact ICICI Bank for exact rates applicable to your profile.
ICICI Bank Personal Loan EMI Examples (2026)
Ready EMI calculations for common loan amounts at ICICI Bank:
| Loan Amount | Interest Rate | Tenure | Monthly EMI | Total Interest |
|---|---|---|---|---|
| ₹1,00,000 | 10.85% | 2 years | ₹4,651 | ₹11,624 |
| ₹2,00,000 | 10.85% | 3 years | ₹6,523 | ₹34,828 |
| ₹5,00,000 | 10.85% | 5 years | ₹10,812 | ₹1,48,720 |
| ₹10,00,000 | 12% | 5 years | ₹22,244 | ₹3,34,640 |
| ₹25,00,000 | 14% | 6 years | ₹58,438 | ₹20,07,536 |
ICICI Bank Personal Loan Eligibility Criteria
For Salaried Employees
- Age: 21 to 60 years
- Minimum salary: ₹15,000/month
- Employment: Minimum 1 year
- Credit score: 700+ preferred
- Documents: Salary slips, bank statements, PAN, Aadhaar
For Self-Employed
- Age: 21 to 65 years
- Business vintage: Min 2 years
- ITR: Last 2 years required
- Credit score: 720+ preferred
- Documents: ITR, P&L statement, bank statements
Frequently Asked Questions – ICICI Bank Personal Loan EMI
What is ICICI Bank personal loan interest rate in 2026?
ICICI Bank personal loan interest rate ranges from 10.85% to 19% per annum in 2026.
What is maximum loan amount for ICICI personal loan?
ICICI Bank offers personal loans up to ₹50 lakhs.
How to apply for ICICI Bank personal loan online?
Apply through ICICI Bank website, iMobile Pay app, or visit any ICICI Bank branch.
What is ICICI personal loan processing fee?
ICICI Bank charges processing fee up to 2.5% of loan amount plus GST.
Does ICICI offer pre-approved personal loans?
Yes, ICICI Bank offers pre-approved instant personal loans to existing customers with good credit history.