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ICICI Bank ₹2 lakh Personal Loan EMI for 2 Years
At the advertised starting rate of 9.99%, the EMI is about ₹9,228 a month, with total interest of about ₹21,473.
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) | ₹9,228 | ₹21,473 | ₹2,21,473 |
| 10.49% | ₹9,274 | ₹22,583 | ₹2,22,583 |
| 10.99% | ₹9,321 | ₹23,695 | ₹2,23,695 |
| 11.49% | ₹9,367 | ₹24,811 | ₹2,24,811 |
| 11.99% | ₹9,414 | ₹25,930 | ₹2,25,930 |
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 | ₹95,030 | ₹15,707 | ₹1,10,737 | ₹1,04,970 |
| Year 2 | ₹1,04,970 | ₹5,767 | ₹1,10,737 | ₹0 |
Frequently asked questions
What is the EMI for a ₹2 lakh ICICI Bank personal loan for 2 years?
At ICICI Bank's starting rate of 9.99% the EMI is about ₹9,228 a month. If your offered rate is 10.99% it would be about ₹9,321.
How much total interest will I pay?
At 9.99% the total interest over 2 years is about ₹21,473, so you repay about ₹2,21,473 in all.