YES BANK personal loan interest rate and EMI calculator
YES BANK's personal loan for salaried people, up to ₹50 lakh over 12 to 72 months at 10.85% to 21% a year, with a processing fee of up to 2.5%; it can be closed early only after 12 EMIs, at 4% falling to nil after four years.
- 10.85% to 21% a year
- Up to ₹50 lakh
- 1 year to 6 years
We don't arrange YES BANK loans. These figures are from YES BANK's own pages, for comparison; apply on YES BANK's own website or branch.
Rates and charges
- Interest rate
- 10.85% to 21% a year
- Other published rates
- YES BANK publishes a rate of 10.85% to 21% a year for salaried employees; it prefers an excellent credit history and a high credit score (read on 21 October 2026).
- Processing fee
- Up to 2.5% of the loan + GST, plus stamp duty as per state law
- Loan amount
- Up to ₹50 lakh
- Tenure
- 1 year to 6 years
- Closing early
- Allowed only after 12 EMIs: 4% of the principal outstanding in EMIs 13–24, 3% in 25–36, 2% in 37–48 and nil after 48, + GST
- Part-prepayment
- Allowed only after 12 EMIs, once a financial year and twice over the loan: 3% of the amount part-paid + GST, up to 20% of the principal outstanding in months 13–36 and 25% after
- Who can apply
- Salaried
- Minimum income
- ₹25,000 a month
- Age
- 21–60 years
YES BANK personal loan EMI calculator
Prefilled with YES BANK's lowest published rate and its highest published processing fee (2.5%). Change any number to match your offer.
Your loan
- Monthly EMI
- ₹16,334
- Total interest
- ₹88,019
- Processing fee + 18% GST
- ₹14,750
- Total cost of the loan
- ₹1,02,769
- Effective annual cost
- 12.93%
- Money in hand
- ₹4,85,250
- You pay back in 3 yr
- ₹6,02,769
Total cost = interest + processing fee + GST. Effective annual cost is the yearly rate you really pay on the money in hand, the way lenders work out the APR in a Key Fact Statement.
Same loan, different tenures
| Tenure | EMI | Total interest | Total cost (incl. fee + GST) | Effective annual cost |
|---|---|---|---|---|
| 12 months | ₹44,156 | ₹29,870 | ₹44,620 | 16.56% |
| 24 months | ₹23,269 | ₹58,459 | ₹73,209 | 13.87% |
| 36 months (yours) | ₹16,334 | ₹88,019 | ₹1,02,769 | 12.93% |
| 48 months | ₹12,886 | ₹1,18,546 | ₹1,33,296 | 12.45% |
| 60 months | ₹10,834 | ₹1,50,031 | ₹1,64,781 | 12.16% |
A longer tenure lowers the EMI but raises the total interest. A fixed fee costs more per year on a short loan.
Lenders you can apply to through us
The lowest published starting rates among the lenders we compare. We may earn a commission from these.
- IDFC FIRST BankFrom 9.99% a year · ₹50,000 to ₹15 lakhApply nowVia our referral partner. We may earn a commission.
- Poonawalla FincorpFrom 9.99% a year · ₹1 lakh to ₹50 lakhApply nowVia our referral partner. We may earn a commission.
- InCred10% to 36% a year · ₹50,000 to ₹15 lakhApply nowVia our referral partner. We may earn a commission.
- KreditBee12% to 27.5% a year · ₹3,000 to ₹10 lakhApply nowVia our referral partner. We may earn a commission.
Not sure which lender will approve you? See offers matched to your profile
Check your loan offersVia our referral partner. It uses your PAN, credit score and income to suggest lenders likely to approve you. Approval isn't guaranteed. We may earn a commission. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.
Questions people ask
What is the YES BANK personal loan interest rate?
YES BANK publishes 10.85% to 21% a year. YES BANK publishes a rate of 10.85% to 21% a year for salaried employees; it prefers an excellent credit history and a high credit score (read on 21 October 2026). The rate you're offered depends on your credit score, income and employer.
What is the EMI on a ₹5 lakh YES BANK personal loan?
At YES BANK's lowest published rate of 10.85%, about ₹16,334 a month over 36 months; at 21%, about ₹18,838. Use the calculator above for your own amount and tenure.
What is YES BANK's personal loan processing fee?
Up to 2.5% of the loan + GST, plus stamp duty as per state law. GST at 18% is added to the fee.
Can I close a YES BANK personal loan early?
Closing early: Allowed only after 12 EMIs: 4% of the principal outstanding in EMIs 13–24, 3% in 25–36, 2% in 37–48 and nil after 48, + GST. Part-prepayment: Allowed only after 12 EMIs, once a financial year and twice over the loan: 3% of the amount part-paid + GST, up to 20% of the principal outstanding in months 13–36 and 25% after.
Can I apply for a YES BANK personal loan through CreditParakh?
No. We don't arrange YES BANK loans; apply on YES BANK's own website, app or branch. If you'd like offers from several lenders at once, our partner's matching page suggests lenders based on your profile.
Related
- True Cost of a Personal Loan: Fees and APRWhat a personal loan really costs: flat vs reducing rate, processing fee and GST, APR in the Key Fact Statement, foreclosure and penal charges.
- Big banks' personal loan ratesSBI, HDFC, ICICI and others side by side
- Processing fees and foreclosure chargesEvery lender's charges in rupees
Last verified 21 Oct 2026 on each issuer's official page. Rates and fees change; check the lender's terms before you apply.
Source (YES BANK's own page, not linked because we don't arrange its loans): https://www.yes.bank.in/personal-banking/loans/personal-loan. CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion.