BEST FOR

Ideal for customers who need fast and dependable financial support

  • Medical or emergency expenses

  • Higher education or professional courses

  • Home renovation and repair projects

  • Wedding or travel planning

  • Everyday personal financial requirements

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Personal Loan EMI Calculator

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Disclaimer: The products, services and offers referred to herein are subject to the Terms and Conditions governing them as specified by ICICI Bank from time to time on www.icicibank.com

 

Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any products/ services of ICICI Bank.

Things you should know

  • Processing Fee

    Up to 2.50 per cent of the loan amount plus GST.

  • Prepayment Charges

    For salaried customers: 3 per cent on the outstanding principal after 1 EMI Nil charges after 12 or more EMIs
    For MSE customers: Nil after the first EMI for loans up to ₹50lakh

  • Late EMI Payment

    An additional interest of 24 per cent per annum is charged for delayed EMIs.

  • EMI Bounce Charges

    ₹500 per bounce plus applicable taxes.

  • NMMP Charges

    ₹800 plus applicable taxes monthly, if the repayment mode is inactive or irregular.

  • Minimum Eligibility

    Minimum monthly income of ₹30,000 for salaried customers.

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How to Apply

Need more information?

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About Personal Loans in Kolkata

What is a Personal Loan?

A Personal Loan is an unsecured loan that helps you fund planned or unexpected expenses without pledging any collateral.

Benefits of a Personal Loan in Kolkata

You can manage education costs, emergency needs, home renovation, travel and other financial goals with quick processing and flexible EMIs.

Interest Rates and Tenure

ICICI Bank offers interest rates starting from 10.85 per cent to 16.65 per cent, with tenures ranging from 12 to 72 months.

Eligibility Factors

Your income, credit score, job stability and debt-to-income ratio influence your loan eligibility and the sanctioned amount.

FAQs

What is the maximum loan amount I can get in Kolkata?

Eligible customers can avail Personal Loans up to ₹50lakh based on income, profile and credit history.

What is the minimum income required to apply?

A salaried individual must have a minimum monthly income of ₹30,000.

Do I need collateral for a Personal Loan?

No. ICICI Bank Personal Loans are fully unsecured and require no guarantor.

How soon will I get the funds?

Upon successful verification, disbursal is typically completed quickly.

Can I foreclose my loan early?

Yes, prepayment charges apply as per the fee structure.

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Take a word from our Customers

  • N

    Nishi Tyagi

    Rating: 4.5 stars

    Thank you ICICI bank for fulfilling my dream and providing Instant Personal Loan.

  • R

    Rajdeep Agarwalla

    Rating: 5 stars

    Knowledgeable representatives, on Excellent service.

  • A

    Ayush Shukla

     

    Rating: 4.8 stars

    Instant Disbursement, Easy Installments and Effortless Banking.

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