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ICICI Bank ₹5 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 9.99%, the EMI is about ₹10,621 a month, with total interest of about ₹1,37,264.
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) | ₹10,621 | ₹1,37,264 | ₹6,37,264 |
| 10.49% | ₹10,744 | ₹1,44,668 | ₹6,44,668 |
| 10.99% | ₹10,869 | ₹1,52,123 | ₹6,52,123 |
| 11.49% | ₹10,994 | ₹1,59,628 | ₹6,59,628 |
| 11.99% | ₹11,120 | ₹1,67,182 | ₹6,67,182 |
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 | ₹81,152 | ₹46,301 | ₹1,27,453 | ₹4,18,848 |
| Year 2 | ₹89,641 | ₹37,812 | ₹1,27,453 | ₹3,29,208 |
| Year 3 | ₹99,017 | ₹28,436 | ₹1,27,453 | ₹2,30,191 |
| Year 4 | ₹1,09,375 | ₹18,078 | ₹1,27,453 | ₹1,20,816 |
| Year 5 | ₹1,20,816 | ₹6,637 | ₹1,27,453 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 lakh ICICI Bank personal loan for 5 years?
At ICICI Bank's starting rate of 9.99% the EMI is about ₹10,621 a month. If your offered rate is 10.99% it would be about ₹10,869.
How much total interest will I pay?
At 9.99% the total interest over 5 years is about ₹1,37,264, so you repay about ₹6,37,264 in all.