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A personal loan EMI calculator helps you estimate your monthly repayments before applying. Simply enter the loan amount, tenure, and interest rate to get instant and accurate EMI results using the DBS Bank Personal Loan EMI Calculator. This helps you plan your finances better and choose a loan that fits your budget.
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Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
DBS Bank EMI calculator functions on the basis of the following 3 key parameters:
You can try different combinations of these loan parameters to arrive at an EMI amount that suits your budget. Use Paisabazaar’s free online personal loan calculator and get aacurate results instantly.
EMI by Reducing Balance Method = [P x (R/100) x {1+(R/100)}^N]/[{1+(R/100)}^(N-1)]
Where,
For example: Mr. Singh took a loan of Rs. 15 lakh at a reducing balance interest rate of 15% p.a. for a period of 12 months.
A comparison of the EMI payments of some popular banks in the country for varying loan amounts, tenure and interest rates is given below:
| Bank Name and Interest Rate | EMI Payout for Loan Tenure of 1 Year | ||
|---|---|---|---|
| Loan Amount of Rs. 1 lakh | Loan Amount of Rs. 5 lakh | Loan Amount of Rs. 10 lakh | |
| DBS Bank @ 10.99% p.a. | Rs. 8,838 | Rs. 44,188 | Rs. 88,377 |
| Axis @ 9.99% p.a. | Rs. 8,791 | Rs. 43,956 | Rs. 87,911 |
| ICICI @ 11% p.a. | Rs. 8,838 | Rs. 44,188 | Rs. 88,377 |
| Yes Bank @ 13% p.a. | Rs. 8,932 | Rs. 44,659 | Rs. 89,317 |
| HDFC @ 9.99% p.a. | Rs. 8,791 | Rs. 43,956 | Rs. 87,911 |
DBS Bank uses the reducing balance method to compute the EMI payable on its personal loans. The following table gives different possible EMIs with varying combinations of loan amount, tenure and interest rate.
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure (months) | EMI (Rs./month) |
|---|---|---|---|
| 1 lakh | 11% | 12 | 8,838 |
| 2 lakh | 13% | 24 | 9,508 |
| 3 lakh | 14% | 36 | 10,253 |
| 4 lakh | 16% | 48 | 11,336 |
| 5 lakh | 18% | 60 | 12,697 |
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The following charges may be levied in case DBS Bank personal loan EMIs are not paid on time:
| Particulars | Charges |
|---|---|
| Dishonour of Standing Instruction | Rs. 600 per instance + GST as applicable |
| Penal Interest Charges | 3% per annum over the applicable personal loan interest on overdue EMIs, charged monthly |
Example: If a borrower takes a loan of Rs. 20 lakh for 6 years at 10.99% p.a., then his/her amortization schedule will be the following:
| Month | Principal (Rs.) | Interest (Rs.) | Principal + Interest (Rs.) | Balance to be Paid (Rs.) |
|---|---|---|---|---|
| 1 | 19741 | 18317 | 38058 | 1980259 |
| 2 | 19922 | 18136 | 38058 | 1960337 |
| 3 | 20105 | 17953 | 38058 | 1940232 |
| 4 | 20289 | 17769 | 38058 | 1919944 |
| 5 | 20474 | 17583 | 38058 | 1899469 |
| 6 | 20662 | 17396 | 38058 | 1878807 |
| 7 | 20851 | 17207 | 38058 | 1857956 |
| 8 | 21042 | 17016 | 38058 | 1836914 |
| 9 | 21235 | 16823 | 38058 | 1815679 |
| 10 | 21429 | 16629 | 38058 | 1794250 |
| 11 | 21626 | 16432 | 38058 | 1772624 |
| 12 | 21824 | 16234 | 38058 | 1750800 |
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
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