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...

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.

Calculate Your Personal Loan EMI

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Enter Loan Amount

₹

50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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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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YES Bank Personal Loan EMI Calculator - Highlights

Comparison of YES Bank Personal Loan EMI with Top Banks

Factors Affecting YES Bank Personal Loan EMI

YES Bank Personal Loan Amortisation Schedule

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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

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.

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

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:

YES Bank personal loan calculator is accurate and time-saving.
It evaluates the loan affordability and allows the applicants to plan their finances accordingly.
Allows the individuals to estimate their monthly repayments effortlessly and accurately.

What Happens if you Miss Your YES Bank Personal Loan EMIs

Penal charges levied after 30 days grace period
Increase in the overall borrowing cost
Impact on credit score
Difficulty in securing personal loans in future

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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FAQs

YES Bank personal loan EMI calculator evaluates the EMI, interest cost and the overall credit cost payable throughout the loan tenure. All you need to do is enter the loan amount, interest rate and loan tenure in the EMI calculator and get results instantly.

Yes loan tenure affects the personal loan EMIs. The longer the tenure, lower is the EMI and vice-versa. However, longer tenures results in high interest cost.

The EMI of Rs. 10 lakh personal loan availed from YES Bank @ 13% p.a. For tenure of 5 years would be Rs. 22,753.

The interest cost of Rs. 5 lakh personal loan availed from YES Bank @ 13% p.a. for tenure of 5 years would be Rs. 1,82,592.

You can reduce your personal loan EMIs by opting for a longer tenure. Additionally, you can opt for lenders offering lower interest rate to reduce your EMI burden.

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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