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Loan for Medical Emergency

Medical emergency can emerge anytime and erode your savings. It not only affects you financially but also affects your mental well-being. The only way to pay for your medical bills without disturbing your savings is to opt for a loan for medical emergencies. With ICICI Bank, you can avail a Personal Loan for medical emergencies and safeguard your savings.

Loan for marriage expenses

Wedding is a one-time affair, and it shouldn’t be anything short of what you’ve dreamed it to be and can be possible with a Personal Loan. Taking a loan for a wedding helps you keep your savings intact while you can still get it the way you wanted. Avail a Personal Loan for a wedding and have the wedding of your dreams.

Home renovation

Turning your house into a home could be expensive, but it’s worth it. We make it easier for you with ICICI Bank’s Personal Loans. This home renovation loan can also be taken over and above your Home Loan. So, avail a Personal Loan for renovating your home from ICICI Bank and transform it the way you wanted.

Loans for appliances and gadgets

It’s time to upgrade your appliances and gadgets for a smooth lifestyle, which can be done with an ICICI Bank’s Personal Loan. Make the process smoother by availing a Personal Loan for home appliances from ICICI Bank. You can utilise the loans for buying gadgets, home appliances or upgrade your freezer and much more.

Loan for Travel

Travelling experiences are priceless and every travel enthusiast would agree that taking a Personal Loan for travel is worth it. Most of us try to save a part of our funds for travelling, which may not suffice for the entire trip. A loan for travel can substitute any shortage, so you can have fun. Avail a Personal Loan to travel and enrich yourself with unforgettable memories.

Loan for online courses

Upgrading your skills is easier than ever, so why let low funds be a hindrance? You can always upgrade your skills by taking a Personal Loan for online courses. In fact, if you wish to get a higher degree you can do that by taking a Personal Loan for education. Avail a Personal Loan for online courses and upgrade your skills now.


Personal Loan EMI Calculator is an online tool to calculate the EMI amount a borrower has to pay every month to repay the loan. The EMI Calculator considers the Loan Amount, Interest Rate and Loan Tenure to compute the EMI, Interest payable till the loan tenure and the Balance Loan Amount in a particular period. By using this Personal Loan EMI calculator, you can determine the loan selection, as per your affordability by comparing different Loan Amounts, ROI and Loan Tenure.

EMI or Equated Monthly Instalment is the amount that is payable per month, if you avail of a Personal Loan for a certain period. The EMI amount will be used to pay off both the Principal Loan Amount and the Personal Loan Interest over the loan tenure, until the loan is paid in full. The EMI will remain the same throughout the tenure.

The mathematical formula for calculating EMI is as follows:
EMI = [P x R x (1+R)^N]/[(1+R)^N-1]

“P” stands for Principal Loan Amount,
“R” stands for Rate of Interest (per month) or annual ROI divided by 12
“N” stands for Loan Tenure (in months)

However, the EMI amount may vary at the time of loan disbursement; depending upon the date of disbursal and period between the disbursal date and the first EMI date.

EMI is short form “Equated Monthly Instalment” or the Amount that is payable per month if you take a personal loan of a certain amount for a certain period. The calculation of EMI depends on 3 main factors:

  • Personal Loan Amount – The Rupee value of the loan that you take
  • Personal Loan Interest Rate – The interest rate that the bank will charge for the Personal Loan
  • Tenure of Personal Loan – The period for which you take the Personal Loan

Select the loan amount, as per your requirement, and the expected ROI. Now, you can select various tenure options to determine the monthly EMI amount that you can afford.

Alternatively, you can also start with selecting the ROI and the tenure; and then with the help of the EMI amount, you can determine the Loan Amount as per your affordability.

The Personal Loan EMI Calculator will give you an option to select ROI ranging between 10.75% p.a. to 19% p.a. However, the applicable ROI is dependent on multiple factors, including the loan amount requested.

You can fill in the application form here to check the applicable ROI and your personal loan eligibility. You can also click here to check your eligibility for the pre-approved Personal Loan and avail of the loan amount instantly.