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ICICI Bank ₹5 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 9.99%, the EMI is about ₹16,131 a month, with total interest of about ₹80,725.
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) | ₹16,131 | ₹80,725 | ₹5,80,725 |
| 10.49% | ₹16,249 | ₹84,959 | ₹5,84,959 |
| 10.99% | ₹16,367 | ₹89,212 | ₹5,89,212 |
| 11.49% | ₹16,486 | ₹93,483 | ₹5,93,483 |
| 11.99% | ₹16,605 | ₹97,772 | ₹5,97,772 |
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 | ₹1,50,387 | ₹43,188 | ₹1,93,575 | ₹3,49,613 |
| Year 2 | ₹1,66,118 | ₹27,457 | ₹1,93,575 | ₹1,83,495 |
| Year 3 | ₹1,83,495 | ₹10,080 | ₹1,93,575 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 lakh ICICI Bank personal loan for 3 years?
At ICICI Bank's starting rate of 9.99% the EMI is about ₹16,131 a month. If your offered rate is 10.99% it would be about ₹16,367.
How much total interest will I pay?
At 9.99% the total interest over 3 years is about ₹80,725, so you repay about ₹5,80,725 in all.