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ICICI Bank Personal Loan Interest Rate November 2026
ICICI Bank advertises personal loan rates starting from 9.99% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹16,131 a month.
Source: ICICI Bank official page, checked on November 2026 (2026-11-01).
| Starting interest rate | 9.99% per annum |
| Processing fee | Up to 2% of the loan amount, plus applicable taxes |
| Prepayment | Zero foreclosure charges after 24 EMIs |
| Maximum tenure | 7 years |
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹2 lakh for 2 years₹2 lakh for 3 years₹2 lakh for 5 years₹5 lakh for 2 years₹5 lakh for 3 years₹5 lakh for 5 years₹10 lakh for 2 years₹10 lakh for 3 years₹10 lakh for 5 years
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Frequently asked questions
What is the ICICI Bank personal loan interest rate?
ICICI Bank's website advertises personal loan rates starting from 9.99% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹5 lakh personal loan from ICICI Bank?
At the starting rate of 9.99% over 3 years the EMI is about ₹16,131 a month, with total interest of about ₹80,725. A higher personal rate would raise this.
What is the processing fee for a ICICI Bank personal loan?
ICICI Bank states: Up to 2% of the loan amount, plus applicable taxes.
Does ICICI Bank charge prepayment charges on a personal loan?
Zero foreclosure charges after 24 EMIs. Terms can differ between floating and fixed rates, so confirm with the bank.