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ICICI Bank ₹10 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 9.99%, the EMI is about ₹32,262 a month, with total interest of about ₹1,61,450.
Source: ICICI Bank official page, checked on November 2026 (2026-11-01).
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 at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 9.99% (starting) | ₹32,262 | ₹1,61,450 | ₹11,61,450 |
| 10.49% | ₹32,498 | ₹1,69,918 | ₹11,69,918 |
| 10.99% | ₹32,734 | ₹1,78,423 | ₹11,78,423 |
| 11.49% | ₹32,971 | ₹1,86,965 | ₹11,86,965 |
| 11.99% | ₹33,210 | ₹1,95,543 | ₹11,95,543 |
Year-by-year repayment schedule at 9.99%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹3,00,774 | ₹86,376 | ₹3,87,150 | ₹6,99,226 |
| Year 2 | ₹3,32,236 | ₹54,914 | ₹3,87,150 | ₹3,66,989 |
| Year 3 | ₹3,66,989 | ₹20,161 | ₹3,87,150 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh ICICI Bank personal loan for 3 years?
At ICICI Bank's starting rate of 9.99% the EMI is about ₹32,262 a month. If your offered rate is 10.99% it would be about ₹32,734.
How much total interest will I pay?
At 9.99% the total interest over 3 years is about ₹1,61,450, so you repay about ₹11,61,450 in all.