ICICI Bank Personal Loan EMI Calculator
Calculate your ICICI Bank personal loan EMI, check iMobile instant sanction and CIBIL-tier rates — pre-filled at ICICI Bank's 2026 starting rate of 10.75% for ₹5 lakh.
Starting Rate
10.75%
p.a. for CIBIL 800+
Max Tenure
6 years
salaried borrowers
Processing Fee
0.50%–2.5%
of loan amount
Max Loan
₹50 lakh
High-income profiles
Personal Loan Details
Loan Amount
Interest Rate
Tenure
Monthly EMI
₹16,310
for 36 months · 3 years tenure
Principal
₹5.00 L
85.2%
Total Interest
₹87.2 K
14.8%
Total Payment
₹5.87 L
Principal + interest
Interest — Year 1
₹46.5 K
First 12 months
Principal vs Interest
Distribution of your total payment
Principal Interest
Yearly Breakdown
Principal and interest paid each year (first 15)
Amortization Schedule
Total Principal
₹5,00,000
Total Interest
₹87,168
Total Paid
₹5,87,168
| Month | EMI | Principal | Interest |
|---|---|---|---|
| 1 | ₹16,310 | ₹11,831 | ₹4,479 |
| 2 | ₹16,310 | ₹11,937 | ₹4,373 |
| 3 | ₹16,310 | ₹12,044 | ₹4,266 |
| 4 | ₹16,310 | ₹12,152 | ₹4,158 |
| 5 | ₹16,310 | ₹12,261 | ₹4,049 |
| 6 | ₹16,310 | ₹12,371 | ₹3,940 |
| 7 | ₹16,310 | ₹12,481 | ₹3,829 |
| 8 | ₹16,310 | ₹12,593 | ₹3,717 |
| 9 | ₹16,310 | ₹12,706 | ₹3,604 |
| 10 | ₹16,310 | ₹12,820 | ₹3,490 |
| 11 | ₹16,310 | ₹12,935 | ₹3,376 |
| 12 | ₹16,310 | ₹13,051 | ₹3,260 |
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
ICICI Bank Personal Loan Interest Rates by CIBIL Score (2026)
Rates are indicative as of July 2026 (floating EBLR-linked). Actual rate offered depends on income, employer category, loan amount, and LTV. Verify with ICICI Bank before applying.
| CIBIL Score | Interest Rate | Typical Borrower Profile |
|---|---|---|
| 800+ | 10.75% | Prime salaried, ICICI salary account holder |
| 750–799 | 11.50% | Salaried, good credit history |
| 700–749 | 14.00% | Average credit profile |
| Below 700 | 17.00%+ | Higher risk profile |
Why Choose ICICI Bank for Personal Loan?
- Instant sanction via iMobile Pay — pre-approved personal loan offer for eligible ICICI account holders
- Maximum loan amount up to ₹50 lakh for high-income ICICI salary account holders with CIBIL 800+
- Maximum tenure of 6 years — lower monthly EMI than HDFC's 5-year cap for the same amount
- Flexible repayment options including part-prepayment after 6 months (charges may apply)
- ICICI Bank regularly runs personal loan rate concession offers for women borrowers and specific employer categories
Frequently Asked Questions
ICICI Bank personal loan rates start at 10.75% p.a. for CIBIL 800+ salaried borrowers with an ICICI salary account. Rates extend to 22.00% for subprime profiles. The rate is fixed throughout the loan tenure. ICICI Bank sets rates based on CIBIL score, employer category (listed company, MNC, public sector, startup), monthly salary, and existing ICICI relationship. iMobile Pay shows a personalised rate for pre-approved customers.