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Yes Bank Personal Loan Calculator

Yes Bank Personal Loan EMI Calculator, Jan 2022

Last Updated 05th Jan 2022

  • Personal loan EMI in Yes Bank depends upon loan amount, loan tenure, interest rate, monthly salary and company that you work for.
  • Yes Bank Personal Loan EMI Calculator is an online tool to estimate monthly EMI and its division into principal and Interest during the entire loan tenure.
  • Lowest monthly EMI is ₹ 2,159 per lakh on Yes Bank Bank personal loan as calculated using the lowest interest rate of 10.70% for the longest tenure of 60 months.
  • For example, the table below gives the EMIs on Yes Bank Personal Loan at different loan amounts and loan tenure, if taken at the lowest rate.
Loan Amount1 Year Loan3 Year loan5 Year loan
₹ 1 Lakh₹ 8,824₹ 3,260₹ 2,159
₹ 5 Lakh₹ 44,121₹ 16,298₹ 10,797
₹ 10 Lakh₹ 88,242₹ 32,597₹ 21,593

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Personal Loan EMI Calculator Yes Bank

Yes Bank Personal Loan EMI is a fixed amount of money paid by you to Yes Bank based on your loan amount, tenure and interest rate. Every month, it is due on a fixed day of the month till the loan is fully paid back. You can calculate your Yes Bank personal loan EMI in advance, to plan your loan payments and further expenses, using the Personal Loan EMI Calculator Yes Bank. The calculator functions on a mathematical algorithm and gives accurate results in no time.

Why should you use Yes Bank Personal Loan EMI Calculator?

  • Calculate the EMI within your budget: Helps you compare the EMIs with a different loan amount and tenure. Always talk to the bank to know the interest rate you will be eligible for Yes Bank personal loan which can range between 10.70% to 19.99%.
  • Compare Yes Bank personal Loan EMI: Helps you compare the estimated EMI on a personal loan from Yes Bank with that of leading banks in India using the same loan amount of upto ₹ 20 Lakh for a maximum tenure of 60 months, but at different interest rates.
  • Calculate interest on Yes Bank personal loan: You can calculate the split of total EMIs into interest and principal repayment on your loan from Yes Bank over the loan tenure.
  • Detailed amortisation schedule: This allows you to see the pace at which your principal amount will be repaid during the loan tenure month on month. This is helpful if you decide to prepay your loan at Yes Bank or balance transfer to another bank.

Yes Bank Personal Loan EMI Calculator to Estimate the EMI that Fits your Budget

Input different loan amounts and tenure at the eligible interest rate on Yes Bank Personal Loan EMI calculator to calculate various EMIs at different rates and tenure. The table captures the calculation of Yes Bank Personal Loan EMI Calculation at the various combinations of loan amount and years when taking at the lowest rate of 10.70%. So if you think that you can afford to pay an EMI of ₹ 10,000 in your budget, taking a ₹ 3 Lakh loan for 3 years or ₹ 5 Lakh loan for 5 years, maybe the right Yes Bank personal loan plan for you.Personal Loan EMI is calculated for Yes Bank for different loan amounts and tenures at the rate of 10.70%.

Loan Amount (Rs.)2 Years3 Years5 Years
1 Lakh ₹ 4,647 ₹ 3,260 ₹ 2,159
3 Lakh ₹ 13,941 ₹ 9,779 ₹ 6,478
5 Lakh ₹ 23,234 ₹ 16,298 ₹ 10,797
10 Lakh ₹ 46,469 ₹ 32,597 ₹ 21,593

Factors Affecting Yes Bank Personal Loan EMI

  • Loan amount – You will pay a higher EMI for the higher loan amount. Yes Bank gives a minimum loan of ₹ 2 Lakh and a maximum loan amount of ₹ 20 Lakh.
  • Interest rate - Higher interest rate increases your loan EMI as well as the total cost of the loan. Yes Bank personal loan interest rate for salary account holders can be lower than their quote rates, which can reduce the overall cost of loan and EMI. Lowest interest rate offered by Yes Bank is 10.70%. However, it is advisable to do complete market research and compare rates online before you apply for a loan.
  • Loan tenure – This is the period over which you can repay your loan in Yes Bank. So, your EMI will be lower if you take a 60months loan from Yes Bank as compared to a loan taken for 12months. The logic being that if you get a longer period to repay, you can repay in a smaller instalment.

Comparison of Yes Bank Personal Loan EMI with other Banks

Bank Name Interest Rate Loan Amount of ₹ 1 Lakh Loan Amount of ₹ 5 Lakh Loan Amount of ₹ 10 Lakh
Yes Bank10.70% ₹ 8,824 ₹ 44,121 ₹ 88,242
Indian Overseas Bank 10.80% ₹ 8,829 ₹ 44,144 ₹ 88,288
Standard Chartered Bank 11.50% ₹ 8,862 ₹ 44,308 ₹ 88,615
Fullerton India 11.99% ₹ 8,884 ₹ 44,422 ₹ 88,844
IDBI Bank 12.00% ₹ 8,885 ₹ 44,424 ₹ 88,849

Yes Bank Personal Loan Amortization Calculator

Yes Bank Personal Loan amortization schedule gives a break up of your monthly EMI into interest and principal repayment. Yes Bank gives you a detailed amortisation schedule with the sanction letter and you can calculate the total interest outgo as well as the pace at which your loan amount will be repaid during the loan tenure.

How to read an amortization schedule

Suppose if you take a Personal Loan of ₹ 4 Lakh for 2 years from Yes Bank at an interest rate of 10.70%. EMI calculated for this loan amount is ₹ 18,587 and the total annual EMIs to be paid annually is ₹ 2,23,050. The EMI schedule of loan for 2 years is explained below in the table –

Amortization Schedule for a Personal Loan of ₹ 4 Lakh over the 2 years

Year Interest paid during the year Principal repaid during the year Total amount paid during the year (Interest + Principal) Outstanding Principal
2022 ₹ 33,692 ₹ 1,89,357 ₹ 2,23,050 ₹ 2,10,643
2023 ₹ 12,407 ₹ 2,10,643 ₹ 2,23,050 ₹ 0

In the above illustration, on a Yes Bank Personal Loan of₹ 4 Lakh, taken at the lowest interest rate of 10.70, EMI paid is ₹ 18,587 and an annual total of EMIs is ₹ 2,23,050, the interest component is ₹ 33,692 while the principal component is ₹ 1,89,357 in year 1 of loan disbursement. You repay only 47.34% of the total principal after paying 12 EMIs during the first year.

Yes Bank Personal Loan Interest Calculator Formula

Yes Bank calculates personal loan EMI based on the following formula

P*r* (1+r)^n/([(1+r)^n]-1)

Here is an illustration of how Yes Bank Personal Loan EMI is calculated:

In the above formula,

P = Loan amount.Yes Bank personal loan amount can range from ₹ 2 Lakh to ₹ 20 Lakh.

r = Rate of interest per month. The current Yes Bank Personal Loan rate is 10.70%.
n = Tenure in month. This can range up to 60months in case of Yes Bank.

How to use Yes Bank Personal Loan EMI Calculator

  • Yes Bank personal loan calculator are online tool which give out EMI calculations using a combination of loan amount, interest rate and loan tenure.
  • Yes Bank EMI calculator considers “reducing balance basis” and assumes that payment of EMI is made in arrears meaning interest is charged for the month preceding the EMI payment date and not in advance.

Yes Bank Personal Loan EMI for ₹ 1 Lakh

The following table shows Yes Bank Personal Loan EMI for ₹ 1,00,000 for different tenures at an interest rate of 10.70%

Loan AmountInterest RateTenure(Year)EMI
₹ 1,00,00010.70% 1₹ 8,824
₹ 1,00,00010.70% 2₹ 4,647
₹ 1,00,00010.70% 3₹ 3,260
₹ 1,00,00010.70% 4₹ 2,570
₹ 1,00,00010.70% 5₹ 2,159

Yes Bank Personal Loan EMI for ₹ 3 Lakh

The following table shows Yes Bank Personal Loan EMI for ₹ 3,00,000 for different tenures at an interest rate of 10.70%.

Loan AmountInterest RateTenure(Year)EMI
₹ 3,00,00010.70% 1₹ 26,473
₹ 3,00,00010.70% 2₹ 13,941
₹ 3,00,00010.70% 3₹ 9,779
₹ 3,00,00010.70% 4₹ 7,710
₹ 3,00,00010.70% 5₹ 6,478

Yes Bank Personal Loan EMI for ₹ 5 Lakh

The following table shows Yes Bank Personal Loan EMI for ₹ 5,00,000 for different tenures at an interest rate of 10.70%.

Loan AmountInterest RateTenure(Year)EMI
₹ 5,00,00010.70% 1₹ 44,121
₹ 5,00,00010.70% 2₹ 23,234
₹ 5,00,00010.70% 3₹ 16,298
₹ 5,00,00010.70% 4₹ 12,850
₹ 5,00,00010.70% 5₹ 10,797

Yes Bank Personal Loan EMI for ₹ 10 Lakh

The following table shows Yes Bank Personal Loan EMI for ₹ 10,00,000 for different tenures at an interest rate of 10.70%.

Loan AmountInterest RateTenure(Year)EMI
₹ 10,00,00010.70% 1₹ 88,242
₹ 10,00,00010.70% 2₹ 46,469
₹ 10,00,00010.70% 3₹ 32,597
₹ 10,00,00010.70% 4₹ 25,700
₹ 10,00,00010.70% 5₹ 21,593

How to Pay Yes Bank Personal Loan EMI?

There are various online & offline methods to pay your Yes Bank Personal Loan EMI. To repay your Yes Bank EMI online, you can log in to your net banking account or else you can also use the mobile banking of Yes Bank. Yes Bank also allows you to pay EMI through ECI or standing instructions or a cheque facility by visiting the nearest Yes Bank branch.

FAQs

Why should I calculate Yes Bank loan EMI before taking a loan?

It is advised to calculate personal loan EMI in advance before taking a personal loan. There are several benefits of calculating your Yes Bank personal loan EMI. For instance, if you want to avail Yes Bank personal loan at the lowest rate of 10.70% and your monthly EMI, which comes out at ₹ 2,159 is more than your monthly budget. You have the chance to apply for a lower loan amount that fits your monthly budget and makes EMI easily affordable. In addition, if you already know the EMI you have to pay each month, you can plan your expenses accordingly. Finally, based on the EMI amount, you can opt to make a prepayment of your loan in the future when you have a surplus amount.

What is the lowest EMI per lakh offered by Yes Bank on a personal loan?

Yes Bank offers a personal loan at a 10.70% interest rate for a maximum of 60 months, and hence lowest EMI per lakh loan amount is ₹ 2,159. However, Yes Bank may offer a lower interest rate to you if you hold your salary account with the bank or if you are an existing customer.

How can I pre-close Yes Bank personal loan?

You can pre-close your Yes Bank personal loan by visiting the branch with the required set of documents. Submit the form of preclosure, pay the amount and take the acknowledgement of the balance amount that you have paid.

What are the prepayment charges on Yes Bank ?

Yes Bank offers you an option of prepayment after 12 months at Up to 4%.You have to pay these charges if you decide to pay the loan amount before the due date.

Is there any processing charge on a personal loan from Yes Bank?

Yes, Yes Bank charges a certain amount of processing fee to process your loan application. Currently, Yes Bank charges a processing fee of Upto 2.50% on a Personal Loan.

Will I get a personal loan from Yes Bank if I have a bad credit score?

No, for taking a loan from Yes Bank, you must have a good credit score of 700 and above. Usually, most banks avoid giving loans if you have a low credit score.Also, availing a personal loan at low cibil score might fetch you a high Yes Bank personal loan rate.

What is the EMI for a₹ 20 Lakh personal loan in Yes Bank Bank?

At the current rate of 10.70%, EMI on Yes Bank personal loan for loan amount ₹ 20 Lakh varies based on the loan tenure. For instance, for 2 year, 3 year and 6 years, EMI is ₹ 2,09,485, ₹ 2,21,285 and ₹ 2,58,664 respectively.

Can I have a co-applicant while applying for a Personal loan with Yes Bank ?

Yes, you can opt for a co-applicant to take a personal loan from Yes Bank that will increase your loan eligiblity as the income of the co-applicant is also taken into account.

Can we pay more than EMI in Yes Bank personal loan?

If you have funds, then you can pay more than the regular EMI on your Yes Bank Personal Loan. This will reduce your interest burden along with the outstanding principal. You can also pay one additional EMI every year to reduce loan tenure and in turn interest amount.

How can I pay my Yes Bank loan EMI?

You can pay the Yes Bank personal Loan EMI by using the ECS facility or standing instruction. You can also visit the branch and submit the EMI cheque or can opt for automated deductions from your salary account.

Compare Personal Loan EMI of All Banks

Yes Bank Personal Loan Customer Care Number, Email, Application Status, Branches
City Customer Care Number
Agra 1800-2000
Ahmedabad 9974390909
Ambala 1800-2000
Anand 9974390909
Aurangabad Bihar 998-729-0909
Bangalore 900-839-0909
Bhilai 1800-2000
Bhilwara 1800-2000
Bhiwadi 998-729-0909
Bhopal 1800-2000
Bhubaneswar Cuttack 1800-2000
Bikaner 1800-2000
Chandigarh 1800-2000
Chennai 1800-2000
Cochin 1800-2000
Coimbatore 1800-2000
Dehradun 1800-2000
Delhi 995-839-0909
Durg 1800-2000
Faridabad 995-839-0909
Gandhinagar 9974390909
Ghaziabad 995-839-0909
Goa 1800-2000
Greater Noida 995-839-0909
Gurgaon 995-839-0909
Guwahati 1800-2000
Gwalior 1800-2000
Hyderabad 1800-2000
Indore 1800-2000
Jabalpur 1800-2000
Jaipur 1800-2000
Jalandhar 1800-2000
Jodhpur 1800-2000
Kanpur 1800-2000
Karnal 1800-2000
Kolhapur 998-729-0909
Kolkata 974-849-0909
Kota 1800-2000
Kozhikode 1800-2000
Lucknow 1800-2000
Ludhiana 1800-2000
Madurai 1800-2000
Meerut 1800-2000
Mehsana 9974390909
Mohali Sas Nagar 1800-2000
Mumbai 998-729-0909
Mussoorie 1800-2000
Nagpur 998-729-0909
Nashik 998-729-0909
Noida 995-839-0909
Noida Extn 995-839-0909
Panipat 1800-2000
Patna 1800-2000
Pondicherry 1800-2000
Pune 998-729-0909
Raipur 1800-2000
Rajkot 9974390909
Ranchi 1800-2000
Rohtak 1800-2000
Roorkee 1800-2000
Salem 1800-2000
Shimla 1800-2000
Sonipat 1800-2000
Surat 9974390909
Trichy 1800-2000
Udaipur 1800-2000
Vadodara 9974390909
Varanasi 1800-2000
Vijaywada 1800-2000
Vizag 1800-2000

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Yes Bank Personal Loan Reviews 4.5/5  by 175 customers
MyLoanCare Service
4.7/5.0
Banks Service
4.4/5.0
Subodh, Jamshedpur
Reviewed on 07th Jan 2022
5 / 5 stars
Yes Bank Personal Loan Availed in Jan 2022

Excellent Service by the MyLoanCare team. I will definitely refer to my friends.Read more...

Harikumar, Pune
Reviewed on 24th Dec 2021
4.5 / 5 stars
Yes Bank Personal Loan Availed in Dec 2021

Thank you, Afridi. You helped me a lot. Your prompt services are appreciable. Read more...

Muhammed, Bangalore
Reviewed on 23rd Dec 2021
4.5 / 5 stars
Yes Bank Personal Loan Availed in Dec 2021

Very good experience. I like the service and follow up.Read more...

Nagaraj, Coimbatore
Reviewed on 17th Dec 2021
4.5 / 5 stars
Yes Bank Personal Loan Availed in Dec 2021

Extraordinary support and hassle-free process. Service representative guidance is very polite. Keep Read more...

Saranya, Chennai
Reviewed on 15th Dec 2021
5 / 5 stars
Yes Bank Personal Loan Availed in Dec 2021

Good service and I got an immediate response from your end.Read more...

Karthikeyan, Tiruvallur
Reviewed on 23rd Nov 2021
5 / 5 stars
Yes Bank Personal Loan Availed in Nov 2021

It was a good and smooth experience for processing my loan through MyLoanCare.Read more...

Sunil, Thane
Reviewed on 22nd Nov 2021
5 / 5 stars
Yes Bank Personal Loan Availed in Nov 2021

It was a very nice experience with the employee Ramendra Singh. Absolute satisfaction guaranteed. I Read more...

Srinivasa, Hyderabad
Reviewed on 20th Nov 2021
5 / 5 stars
Yes Bank Personal Loan Availed in Nov 2021

Really impressed with fast processing. Support was also very good. Read more...

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Yes Bank Personal Loan News - Jan 2022
  • 2022-01-04 : Yes Bank Reports 4 Percent Growth in Advances by December-end
    Yes Bank has reported a 4 per cent growth in advances. The deposits rose by 26 per cent year-on-year to Rs 1,84,289 crore at the end of December 2021, as against Rs 146,233 crore in the same period.
  • 2021-10-04 : Yes Bank Posts Growth in Loans and Deposits
    Yes Bank has posted growth of 3.6% (year-on-year) in advances at Rs 1,72,945 crore for the quarter ended September 2021 (Q2FY22). Its advances stood at Rs 1,66,923 crore at end of September 2020 (Q2FY21).
  • 2021-08-10 : Yes Bank Personal Loan Freedom Offer
    Yes Bank has launched a special personal loan offer for the employees of all companies with a Flat PF of 2499. The offer is valid till 18th August 2021.
  • 2021-07-08 : Yes Bank loans, advances shrink marginally at Rs 1.63 lakh cr by end of June quarter
    Yes Bank loans and advances that include Personal Loan, Home Loan, Loan Against Property, Business Loan, Education Loan, Gold Loan, Car Loan and Top-up Loan, fell by a marginal 0.4% to Rs 1.63 lakh crore by the end of June 30, 2021, data from the bank showed on Monday. The loans and advances stood at Rs 1,63,914 crore as of June 30, 2021, as compared with Rs 1,64,510 crore in the year-ago period, registering a marginal decline of 0.4% on a year-on-year basis.
  • 2021-07-06 : Yes Bank - Loans, advances shrink in Q1 over Covid-19 impact
    Yes Bank loans and advances shrank in the Q1 FY22 on a year-on-year basis and also sequentially, reflecting the economic and business impact of the Coronavirus (Covid-19) pandemic. Sequentially, the loan book that includes Personal Loan, Home Loan, Loan Against Property, Business Loan, Education Loan, Two-wheeler Loan, Car Loan, Gold Loan, Doctor Loan, Mudra Loan, etc. contracted by 1.8% to Rs 1,63,914 crore at the end of June 2021 from Rs 1,66,893 crore in the previous quarter ended March 2021.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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