How to Pay ICICI Personal Loan EMI?

Hey guys. My friend took an ICICI personal loan last year, and while helping her, I figured out how to pay EMI for ICICI personal loan. You can pay your ICICI Bank personal loan EMI through their net banking portal. Once your personal loan is sanctioned, ICICI allows you to pay your EMI through various modes, both online and offline. Some of the common ways are:

1. You log into internet banking (your own bank or ICICI if applicable), select the loans section or “Click to Pay” for loans, enter your loan account number, the payable amount, and authorize the payment. This debits directly from your savings/current account.

2. Using ICICI’s online payment gateway, you can pay EMIs using your debit card (or sometimes credit/debit card from other banks), again entering the loan number and amount.

3. Another quick mode is UPI. Either scan a QR code provided by the bank or use a UPI app with the specified loan-payment ID. You enter your loan account number and pay via your UPI.

Always ensure you know your loan account number and the due date so you pay on time. Late payments usually incur penalty charges. I hope you found these methods helpful.

Hi there. My uncle was required to make EMI payments after obtaining an ICICI personal loan four months prior. As he was unable to go to the bank due to some health issues, he asked me to check how to pay ICICI personal loan EMI through UPI. I inquired about this with his bank manager, and he said that you can make your payment by scanning a QR code using banking or BHIM app that supports UPI.

How to Pay ICICI Loan EMI After Due Date?

Here are the steps he informed me to make EMI payment of my uncle’s personal loan:

• Open this ICICI Loan Payment link.

• After twice entering your loan account number, click the "Verify" button.

• Go through every detail that has appeared on your screen.

• Input the EMI amount you have to pay.

• Select "Generate QR Code."

• Use any mobile banking app or BHIM application that supports UPI to log in, then scan the code.

• Proceed with the UPI app's payment process.

• Finally, on your mobile device, a successful confirmation with your transaction number will appear.

I was able to pay my uncle’s EMI with ease by following the above procedure. After learning the procedure, my uncle now completed the payment on his own. 

Six months ago, I took out a personal loan from ICICI Bank, but I had no idea how to pay ICICI personal loan EMI. I asked my bank manager about this, and he told me that I could pay my monthly EMI, using the official website, or by enabling an auto-debit facility or in person by going to the bank. For your reference, I have included the detailed procedure he told me about.

How to Pay Personal Loan in ICICI Bank?

You can follow any of the below techniques on how to pay personal loan EMI ICICI Bank and make your payment quickly:

My bank manager informed me that setting up an auto-debit from ICICI savings account is one of the simplest methods to pay your personal loan EMI. You will never miss a payment by setting up auto-debit, as your monthly EMI amount will be immediately taken out of your account on the due date.

• Open this ICICI Bank Click To Pay link.

• Scroll down and choose ICICI Bank under “Select Your Bank.”

• Tap on Proceed.

• Following that, click on “I Agree.”

• Enter your personal loan account number twice.

• Click "Pay Now" after entering the amount against "Amount Payable." You will be redirected to the payment interface.

• Now, mention your internet banking user ID and password.

• Finally, choose the EMI you have to pay and complete the payment process.

After successful payment, you will receive an online confirmation message. This is the process I am following to make my payment. 

If you are looking for how to pay personal loan EMI in ICICI Bank in person, then you can pay the amount by going to an ICICI branch. All you have to do is pay at the counter after giving the bank executive the details of your loan account and the EMI amount. 

I hope you get an idea of how to pay ICICI personal loan EMI.