- Evaluates the EMIs, total interest cost and overall borrowing cost instantly.
- The calculations are automated, accurate and fast.
- It is free of cost and available online 24*7.
- Applicants can modify the parameters and check how your EMI changes with the change in interest cost, loan tenure and loan amount.
- Assesses the loan affordability of the applicants and allows them plan their budget efficiently.
YES Bank Personal Loan EMI Calculator
YES Bank provides an easy-to-use online personal loan EMI calculator to assess the financial situation of the applicant and allow them to plan their monthly repayments without compromising their financial obligations. The calculations made through YES Bank personal loan EMI calculator are error-free unlike manual calculations, that are time-consuming and more prone to errors. Prospective borrowers can also use Paisabazaar’s personal loan EMI calculator to calculate the monthly instalments and total cost payable throughout the loan tenure.
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Find Best Personal Loan Offers
Yes Bank
100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹30L
Rate of Interest13% - 16%
Tenure upto1-5 Years
Processing Fee1.5% - 2.25%
- Interest rates starting from 13% p.a. onwards.
- Maximum loan amount of Rs. 30 lakh with flexible repayment options.
- Instant personal loans available.
- Pre-approved personal loan offered to select customers
- Personal loan balance transfer and prepayment facility available.
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Why Choose Paisabazaar?
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Pre-approved Offers with Instant Disbursals
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End-to-End Digital Process
How Can I Apply for a Personal Loan Online?
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
YES Bank Personal Loan EMI Calculator - Highlights
Comparison of YES Bank Personal Loan EMI with Top Banks
| Lenders | Interest rate (% p.a.) | Loan Amount – Rs. 5 lakh Tenure – 5 years | Loan Amount – Rs. 1 lakh Tenure – 5 years |
|---|---|---|---|
| YES Bank | 13.00 - 16.00 | 11,377 - 12,159 | 2,275 - 2,432 |
| HDFC Bank | 9.99 - 12.50 | 10,621- 11,249 | 2,124 - 2,250 |
| Tata Capital | 11.50 onwards | 10,996 onwards | 2,199 onwards |
| ICICI Bank | 11.00 - 13.00 | 10,871-11,377 | 2,174-2,275 |
| Bank of Baroda | 10.40-18.10 | 10,722-12,724 | 2,144-2,545 |
| Axis Bank | 9.99 - 17.15 | 10,621 - 12,467 | 2,124 - 2,493 |
| Kotak Mahindra Bank | 10.5 - 17.20 | 10,747-12,480 | 2,149 - 2,496 |
| Bank of India | 11.10-16.15 | 10,896-12,199 | 2,179-2,440 |
| Canara Bank | 9.95-15.40 | 10,611-12,000 | 2,122-2,400 |
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Factors Affecting YES Bank Personal Loan EMI
The EMI of YES Bank Personal Loan depends on three major factors:
Interest Rate
YES Bank personal loan interest rate starts from 13% p.a. onwards. A higher interest rate usually increases the EMI and the overall interest cost and vice-versa. Therefore, prospective borrowers should compare the personal loan interest rates offered by various lenders and opt for lower interest rates to save on EMIs and interest cost.
Loan Amount
The loan amount borrowed is directly proportional to the EMI and interest cost. The higher the loan amount, the higher the EMI and interest cost provided the loan tenure and interest rate is constant.
Loan Tenure
EMIs are lower for longer repayment tenures and vice-versa. Therefore, individuals should opt for repayment tenures wisely after assessing their repayment capacity using the EMI calculators.
YES Bank Personal Loan Amortisation Schedule
Suppose you borrow a loan of Rs. 12 lakh @ 13% p.a. for a tenure of 5 years, then the following will be your amortization schedule for 1 year. For the remaining period, the principal component will continue to increase at the same pace, while the interest portion will gradually decrease.
| Month | EMI (₹) | Principal Paid (₹) | Interest Paid (₹) | Outstanding Balance (₹) |
|---|---|---|---|---|
| 1 | 27,152 | 17,652 | 9,500 | 11,82,348 |
| 2 | 27,152 | 17,890 | 9,262 | 11,64,458 |
| 3 | 27,152 | 18,129 | 9,023 | 11,46,329 |
| 4 | 27,152 | 18,370 | 8,782 | 11,27,959 |
| 5 | 27,152 | 18,612 | 8,540 | 11,09,347 |
| 6 | 27,152 | 18,855 | 8,297 | 10,90,492 |
| 7 | 27,152 | 19,098 | 8,054 | 10,71,394 |
| 8 | 27,152 | 19,343 | 7,809 | 10,52,051 |
| 9 | 27,152 | 19,589 | 7,563 | 10,32,462 |
| 10 | 27,152 | 19,836 | 7,316 | 10,12,626 |
| 11 | 27,152 | 20,084 | 7,068 | 9,92,542 |
| 12 | 27,152 | 20,333 | 6,819 | 9,72,209 |
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Benefits of YES Bank Personal Loan EMI Calculator
The personal loan EMI calculator provided by YES Bank has the following benefits:
What Happens if you Miss Your YES Bank Personal Loan EMIs
Related Links
Why Choose Paisabazaar?
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
How Can I Apply for a Personal Loan Online?
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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Reviewed By
Vandana Punj
Written By
Shamik GhoshPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
*Applicable for selected customers