DBS Bank Personal Loan EMI Calculator

A personal loan EMI calculator helps you estimate your monthly repayments before applying. Simply enter the loan amount, tenure, and...

A personal loan EMI calculator helps you estimate your monthly repayments before applying. Simply enter the loan amount, tenure, and interest rate to get instant and accurate EMI results using the DBS Bank Personal Loan EMI Calculator. This helps you plan your finances better and choose a loan that fits your budget.

Calculate Your Personal Loan EMI

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Enter Loan Amount

₹

50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

ICICI Bank

100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest11% - 13%

Tenure upto1-5 Years

Processing FeeUpto 2%

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

How DBS Bank Personal Loan EMI Calculator Functions

DBS Bank EMI calculator functions on the basis of the following 3 key parameters:

Loan Amount: It is the principal amount that you borrow from the lender.
Loan Tenure: It refers to the time period over which you can repay your loan.
Interest Rate: It is the rate at which interest is charged on the amount borrowed.

You can try different combinations of these loan parameters to arrive at an EMI amount that suits your budget. Use Paisabazaar’s free online personal loan calculator and get aacurate results instantly.

DBS Bank Personal Loan EMI Calculation Formula

EMI by Reducing Balance Method = [P x (R/100) x {1+(R/100)}^N]/[{1+(R/100)}^(N-1)]

Where,

P refers to the loan principal;
R refers to the rate of interest on a monthly basis, i.e.,annual interest rate/12;
N refers to the loan tenure in months.

For example: Mr. Singh took a loan of Rs. 15 lakh at a reducing balance interest rate of 15% p.a. for a period of 12 months.

Monthly interest rate = Annual interest rate/ 12 = 15/12 = 1.25% per month
Monthly EMI payout for Mr. Vikram= [1500000 x 0.0125x (1+0.0125)^12]/(1+0.0125)^(12-1)] = Rs. 1,35,387

Monthly EMI Payment Comparison of Popular Banks in India

A comparison of the EMI payments of some popular banks in the country for varying loan amounts, tenure and interest rates is given below:

Bank Name and Interest Rate	EMI Payout for Loan Tenure of 1 Year
Bank Name and Interest Rate	Loan Amount of Rs. 1 lakh	Loan Amount of Rs. 5 lakh	Loan Amount of Rs. 10 lakh
DBS Bank @ 10.99% p.a.	Rs. 8,838	Rs. 44,188	Rs. 88,377
Axis @ 9.99% p.a.	Rs. 8,791	Rs. 43,956	Rs. 87,911
ICICI @ 11% p.a.	Rs. 8,838	Rs. 44,188	Rs. 88,377
Yes Bank @ 13% p.a.	Rs. 8,932	Rs. 44,659	Rs. 89,317
HDFC @ 9.99% p.a.	Rs. 8,791	Rs. 43,956	Rs. 87,911

DBS Bank Personal Loan EMI Calculation

DBS Bank uses the reducing balance method to compute the EMI payable on its personal loans. The following table gives different possible EMIs with varying combinations of loan amount, tenure and interest rate.

Loan Amount (Rs.) Interest Rate (p.a.) Tenure (months) EMI (Rs./month)

1 lakh 11% 12 8,838

2 lakh 13% 24 9,508

3 lakh 14% 36 10,253

4 lakh 16% 48 11,336

5 lakh 18% 60 12,697

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Charges Levied on Non Payment of EMI

The following charges may be levied in case DBS Bank personal loan EMIs are not paid on time:

Particulars Charges

Dishonour of Standing Instruction Rs. 600 per instance + GST as applicable

Penal Interest Charges 3% per annum over the applicable personal loan interest on overdue EMIs, charged monthly

Amortization Schedule

Example: If a borrower takes a loan of Rs. 20 lakh for 6 years at 10.99% p.a., then his/her amortization schedule will be the following:

Month Principal (Rs.) Interest (Rs.) Principal + Interest (Rs.) Balance to be Paid (Rs.)

1 19741 18317 38058 1980259

2 19922 18136 38058 1960337

3 20105 17953 38058 1940232

4 20289 17769 38058 1919944

5 20474 17583 38058 1899469

6 20662 17396 38058 1878807

7 20851 17207 38058 1857956

8 21042 17016 38058 1836914

9 21235 16823 38058 1815679

10 21429 16629 38058 1794250

11 21626 16432 38058 1772624

12 21824 16234 38058 1750800

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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FAQs

No. You can only pay your DBS Bank personal loan EMIs using your digibank savings account. You can however add funds to your account using RTGS / NEFT / IMPS / UPI funds transfer options.

DBS Bank personal loans come with a flexible repayment tenure ranging between 12 to 60 months. Thus, you can repay your personal loan in a maximum of 60 EMIs.

Yes, you can prepay your DBS Bank personal loan once you have paid at least 12 EMIs along with the applicable prepayment charges.

Borrowers need to provide the tenure, amount and interest rate of their loan. The calculator will instantly display your EMI, total interest payable and total repayment amount.

Yes. You can adjust the interest rate manually to compare different scenarios or offers from lenders.

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