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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.

Your Personal Loan EMI

₹ 44,191

Total Interest Amount

₹ 30,290

Principal Amount

₹ 5,00,000

Total Payable Amount

₹ 5,30,290

Loan Amount

Interest Rate

- +

Tenure

- +

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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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Calculation of the EMI Amounts of YES BANK Personal Loan

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.

YES BANK Personal Loan

Access up to ₹50 Lakhs without hassle—no collateral, easy EMIs, and attractive interest rates.

Benefits of Using YES BANK Personal Loan EMI Calculator

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.

Factors Affecting YES BANK Personal Loan EMIs

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.

Credit Score

Lower interest rates on personal loans are typically available to those with strong credit scores, which translates into easier EMIs. Poor credit can push your monthly payments higher. Always check your CIBIL score before submitting a loan application.

How to Pay Your YES BANK Personal Loan EMI

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)

Other Yes Bank Personal Loan Related Pages

Yes Bank Personal Loan	Yes Bank Personal Loan Interest Rates	Yes Bank Personal Loan Status
Yes Bank Personal Loan Pre-Closure

Other Personal Loan Patners EMI Calculators Related Pages

Bajaj Finance Personal Loan EMI Calculator	KreditBee Personal Loan EMI Calculator	Muthoot Finance Personal Loan EMI Calculator
Upwards Personal Loan EMI Calculator	IIFL Finance Personal Loan EMI Calculator	Finnable Personal Loan EMI Calculator
Kissht Personal Loan EMI Calculator	MoneyView Personal Loan EMI Calculator	Kotak Mahindra Bank Personal Loan EMI Calculator
Federal Bank Personal Loan EMI Calculator	Zype Personal Loan EMI Calculator	Olyv Personal Loan EMI Calculator
Privo Personal Loan EMI Calculator	CASHe Personal Loan EMI Calculator	mPokket Personal Loan EMI Calculator
Fibe Personal Loan EMI Calculator	InCred Personal Loan EMI Calculator	PaySense Personal Loan EMI Calculator
SMFG India Credit Personal Loan EMI Calculator	L&T Finance Personal Loan EMI Calculator

Disclaimer

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.

How much are the prepayment charges for YES BANK Personal Loans?

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.

Do I need to sign up to use the YES BANK PL Calculator?

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.

What is the minimum and maximum tenure for YES BANK Personal Loan EMI calculation?

The loan tenure ranges from 12 months to 72 months.

How much will the EMI be for a ₹5 Lakhs personal loan?

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

What is the interest rate on YES BANK Personal Loans?

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

What will be the EMI for a ₹4 Lakhs personal loan?

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

How much EMI do I need to pay for a ₹1 Lakh personal loan?

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

What will the EMI be for a ₹2 Lakhs loan?

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

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