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YES BANK Personal Loan EMI Calculator

YES BANK Personal Loan EMI Calculator allows you to input the loan amount, interest rate, and repayment tenure to instantly calculate your monthly instalments. Additionally, it provides a detailed breakdown of the total interest payable and overall cost of the loan.

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This helps you plan your loan repayment effectively and make informed decisions about potential prepayments.

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Your Personal Loan EMI
₹ 44,191
Total Interest Amount
₹ 30,290
Principal Amount
₹ 500,000
Total Payable Amount
₹ 530,290
Loan Amount i
Interest Rate
- +
Min value reached
Max value reached
Tenure
Months drop-down-img
  • Years
- +
Min value reached
Max value reached
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You can also make instant comparisons between loan offers from over 20 personal loan providers on Bajaj Markets.

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You can also evaluate the total interest amount and overall payable amount for better financial planning and budgeting.

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The  EMI calculator for personal loans of YES BANK allows you to compare various loan tenures and interest rates, helping you find an EMI plan that fits your financial needs.

The EMI calculation for a Personal Loan is determined using this formula:

EMI =P×r×(1+r)^n(1+r)^n−1

Where:

  • P = Loan amount (Principal)

  • r = Monthly interest rate (Annual rate divided by 12)

  • n = Loan tenure in months

Here is a breakdown of EMI amounts for a ₹5 Lakhs loan at an 12.50% interest rate, considering different repayment tenures of up to 5 years:

Loan Amount 

Tenure (Years)

Interest Rate

Total Interest Amount

EMI

₹5 Lakhs

1

12.50%

₹34,497.18

₹44,541.43

₹5 Lakhs

2

12.50%

₹67,687.7

₹23,653.65

₹5 Lakhs

3

12.50%

₹1,02,165.26

₹16,726.81

₹5 Lakhs

4

12.50%

₹1,37,919.97

₹13,290

₹5 Lakhs

5

12.50%

₹1,74,938.15

₹11,248.97

*Disclaimer: The above values are for illustrative purposes only. Reach out to YES BANK to check the actual EMI amount payable.

The YES BANK Personal Loan EMI calculator is a hassle-free way to estimate your monthly loan repayments, making it easier to plan your finances.

Here’s how you benefit by using the YES BANK personal loan calculator:

Instant and Accurate Results

You can get precise EMI estimates within seconds, helping you understand your repayment plan better. You can also get a repayment schedule for your Yes Bank personal loan.

No Need for Manual Math

Just enter your loan details, and the YES BANK loan calculator automatically computes your EMI—no technical skills needed.

Smart Financial Planning

By knowing your EMI beforehand, you can adjust your loan tenure, manage expenses, and make better borrowing decisions.

Completely Free and Convenient

You can access the tool anytime without any charges, making loan calculations simple.

Your YES BANK Personal Loan EMI can get influenced by several factors, which play a crucial role in determining how much you pay each month.

Here are the key factors that can affect a personal loan EMI:

Type of Interest Rate

Fixed interest rates keep your EMI constant, while floating rates vary based on market trends, causing fluctuations in EMI payments.

Repayment Frequency

The EMI structure can change depending on whether payments are made monthly, quarterly, or bi-annually. Monthly repayments are the most common, but some lenders offer flexible schedules.

Loan Amount

A larger loan means a higher EMI. For example, borrowing ₹10 Lakhs will result in a bigger EMI than a ₹4 Lakhs loan if the interest rate and tenure remain unchanged.

Interest Rate

Higher interest rates lead to higher EMIs. A loan at 15% interest will have a greater EMI than one at 13%, even if the loan amount and tenure are the same.

Loan Duration

A longer tenure reduces the EMI but increases the total interest paid, while a shorter tenure raises the EMI but lowers the overall interest cost.

YES BANK offers multiple convenient payment options to help you repay your personal loan EMI on time. You can choose from online and offline methods based on your preference.

Here are the payment methods you can pay your EMI through:

  • YES BANK’s dedicated online platform

  • UPI platforms such as Paytm, PhonePe, and Google Pay

  • Net Banking

  • Cash or Cheque payments by visiting a YES BANK branch

  • Bharat Bill Payment System (BBPS)

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Frequently Asked Questions

What is the lowest EMI per Lakh available on a YES BANK Personal Loan?

The lowest EMI per Lakh can be determined using the bank’s starting interest rate of 12.50% for the maximum tenure of 72 months. Based on this, the EMI per ₹1 Lakh is ₹1,981.12.

YES BANK allows part-payment of 20% to 25% of the outstanding principal after completing 12 EMIs. The charges are:

  • 13 to 24 months – 20% of the principal outstanding

  • 25 to 36 months – 20% of the principal outstanding

  • 37 to 48 months – 25% of the principal outstanding

  • 49 to 60 months – 25% of the principal outstanding

Additionally, a 2% + GST fee is charged on the part-payment amount.

No, you do not need to sign up for the personal loan calculator. You can use the EMI calculator directly on the YES BANK website.

The loan tenure ranges from 12 months to 72 months.

At an interest rate of 12.50% for a 5-year tenure, the EMI will be ₹11,248.97.

The personal loan interest rate starts at 12.50% per annum.

The EMI will be ₹8,999.18 if the interest rate is 12.50% and the tenure is 5 years.

At an interest rate of 12.50% for a 5-year tenure, the EMI will be ₹2,249.79.

For a 5-year tenure and at an interest rate of 12.50%, the EMI will be ₹4,499.59.

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