Yes Bank Loan EMI Calculator
Yes Bank personal loan EMI starts at ₹9,321/month at 10.99% interest. Calculate exact EMI for ₹1,00,000–₹40,00,000 loans with amortization schedule.
₹
₹1,00,000₹40,00,000
%
11.0%24.0%
12 Mo60 Mo
Monthly EMI
₹9,321
Total Interest
₹23,695
Total Payment
₹2,23,695
Monthly EMI
₹9,321
Principal Amount
₹2,00,000 (89.4%)
Total Interest
₹23,695 (10.6%)
Amortization Schedule
| Year | Principal | Interest | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹94,539 | ₹17,313 | ₹1,11,852 | ₹1,05,461 |
| Year 2 | ₹1,05,461 | ₹6,382 | ₹1,11,852 | ₹0 |
By Gaurav Gupta, Credit SpecialistUpdated
Yes Bank Personal Loan at a Glance
Interest Rate
10.99%
to 24%
Max Amount
₹40,00,000
min ₹1,00,000
Min CIBIL
700
minimum score
Tenure
Up to 60 mo
min 12 months
Yes Bank Loan Details
| Interest Rate | 10.99% — 24% p.a. |
| Loan Amount | ₹1,00,000 to ₹40,00,000 |
| Tenure | 12 to 60 months |
| Processing Fee | Up to 2.5% |
| Prepayment Charges | 2-4% of outstanding |
| Min CIBIL Score | 700+ |
| Min Monthly Salary | ₹25,000 |
| Age Requirement | 22 to 60 years |
| Employment Types | Salaried, Self-employed |
| Disbursal Time | 24-48 hours |
EMI Example: ₹2,00,000 at 10.99%
Loan Amount: ₹2,00,000
Interest Rate: 10.99% p.a. (best rate)
Tenure: 24 months
Monthly EMI: ₹9,321
Total Interest: ₹23,704
Total Payment: ₹2,23,704
Pros
- +Personal loans up to Rs 40 lakh
- +Digital application process
- +Flexible tenure up to 60 months
Cons
- -Prepayment charges apply
- -Higher rates for lower CIBIL bands
Yes Bank EMI Calculator — FAQs
What is the EMI for a Yes Bank personal loan?
For a ₹2,00,000 loan at 10.99% interest for 24 months, the EMI would be approximately ₹9,321 per month. Total interest payable would be ₹23,704. Use the calculator above to try different amounts and tenures.
What interest rate does Yes Bank charge on personal loans?
Yes Bank charges personal loan interest rates starting from 10.99% p.a. going up to 24% p.a. The actual rate depends on your credit score, income, employment type, and existing obligations. A CIBIL score of 750+ typically gets you rates closer to the lower end.
What is the minimum CIBIL score for a Yes Bank personal loan?
The minimum CIBIL score required for a Yes Bank personal loan is 700. A higher score (750+) will help you get a lower interest rate and better terms.
Can I prepay my Yes Bank personal loan early?
Yes Bank's prepayment policy: 2-4% of outstanding. Prepaying your loan reduces the outstanding principal and can save you significant interest over the remaining tenure. Use the calculator to see how much you can save.
How fast does Yes Bank disburse personal loans?
Yes Bank typically disburses personal loans within 24-48 hours. Disbursal time depends on document verification, KYC completion, and your profile. Existing Yes Bank customers may get faster disbursal through pre-approved offers.
Compare EMI Across Other Lenders
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from 11% · up to ₹40,00,000
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from 10.99% · up to ₹35,00,000
Calculate EMI →🤖
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