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YES Bank Personal Loan

Premium Personal Loan Offers

The Perfect Solution for Your Diverse Financial Needs

Rate of Interest
@10.99% to 15% (APR)
Repayment Tenure
12 to 60 Months
Loan Amount
Up To 30 Lakhs
Balance Transfer Facility
@2% Lower
Apply For Personal Loan








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    With The Representative APR of 11.25% of a Personal Loan for ₹ 2 Lakhs To Be Repaid Over 60 Months, The EMI Will be ₹ 4373.46 Per Month For The Entire Tenure.
    Personal Loan From YES Bank
    The YES BANK is a Service oriented Commercial Bank providing a complete range of products services and technology-drivrn digital offering. The YES BANK offers fund for Personal needs as a Personal Loan with Exclusive Features:
    A discounted rate of interest from 10.99% onwards.
    Flexible repayment option 12 to 60 months.
    Quick online process and direct disbursal.
    Representative Example of Personal Loan Charges From YES Bank
    Loan Amount One Lakh
    Rate of Interest 11%@ reducing balance
    Flat Per Annum 6.06%
    Processing Fees 1% ₹1000/-
    Tenure 12 months
    EMI 8838.17
    [Pre closure & other charges will be applied as per actuals]
    Prominent Feature of a Personal Loan From Yes Bank
    Loan Amounts From ₹ 50k to ₹ 40 Lakhs are offered as a Personal Loans.
    Repayment Tenure is offered for a Personal Loan from 12 to 60 months.
    The YES Bank Provides a Personal Loan to customers employed is listed and open market companies.
    The minimal CIBIL Score for YES Bank Personal Loan is 720 points and above.
    First-time Personal Loan applicants without a CIBIL Score are eligible to apply.
    The Method of Repayment is by EMI(Monthly Equated Installments)
    Eligibility Criteria For a Personal Loan From YES Bank
    The YES Bank issues a Personal Loan to all Indian citizens as per the following criterion:
    The applicant must be above 21 years of age and can pay the EMI of the loan until 60 years.
    Education qualification of graduation or above is required to be eligible to apply.
    The application must be gainfully employed for more than two years and earn a net salary of 25k or more monthly.
    The monthly salary must be credited directly to the salary account of the applicant.
    The employer of the applicant must be registered as Limited, Pvt Limited, Government organization, or PSU.
    The Applicant should have financial eligibility for the YES Bank Loan, which can be calculated with the help of the YES Bank Personal Loan Eligibility Calculator.
    Advantages of a Yes Bank Personal Loan
    A Personal Loan from Yes Bank is Unsecured
    Funds are given as Personal Loans without gurantees the loan application is processed based on the customer's profile. No security such as gold or property is required to obtain funds as Personal Loans.
    End Usage of a Personal Loan
    A Personal Loans can be used for education expenses, wedding or celebrations, home renovation, Travel/vacation costs, and medical or emergency usage. The money can be used for personal reasons, not investment or any nefarious activities.
    Convenient and Flexible
    The loan amount approved as a Personal Loan is transferred conveniently to the applicant’s bank account in a single transfer. The repayment can be made via Equated monthly installments over a flexible tenure from 12 to 60 months.
    Minimal Documentation Required
    A Personal Loans from Yes Bank is processed on behalf of documents readily available these include KYC Documents and proof of employment and income. The eligibility of the loan amount is based on the imcome proof submitted. The KYC Documents proivide evidence of the applicant's stability and contact ability.
    Quick, Hassle-Free Process
    The YES Bank processes requests for a Personal Loan in a streamlined and efficient manner. Loan seeker who require a loan urgently have the facility of receiving funds in their account within 48 to 72 hours of applying.
    Yes Bank Personal Loan Charges
    Rate of Interest 10.75% to 22%
    Processing Fees .75% to 1.5%
    Insurance Changes 1% of the loan amount
    Part Payment Charges 1% to 5%
    Pre Closure Charge Nil to 5%
    YES Bank Personal Loan Interest
    The YES Bank Personal Loan Interest Rates starts from 10.75% to 22% and is applied at a reducing the balance. The interest is charged as the net income of the applicant and the loan amount required. The slabs are as follows:
    Income ROI
    25k to 35k 14%
    35k to 50k 13%
    50k to 75k 12%
    75k+ 11%
    Processing Fees
    The processing fee is one-time file charge a percentage of the loan ampunted disbursed. The cost is deducted from the loan and is not to be paid in advance Charges are 0.75% to 1.5% of the loan amount, and discounts are given for increased loan amounts.
    Pre-closure/Part Payment Charges
    Customers wanting to pay back the loan amount or a part before the completion of the loan tenure can do so after 12 EMI have been repaid. Charges will apply from 2% to 4% of the paid amount.
    Personal Loan Types From YES Bank
    New Personal Loan
    The YES Bank offers a Personal Loan to first-time loan seekers with no previous CIBIL history. The net salary required in 25k or more transferred to the bank account. The applicant should have the required documentation proof to apply and meet the Yes Bank Personal Loan Eligibility Criteria Requirements.
    Personal Loan Balance Transfer
    The YES Bank offers to take over the balance of the personal loan of applicants running their loans with other Banks. Benificial terms and discounted interest rates are provided for customers with a track record of timely repayments.
    Conditions are that the EMI is being paid timely and the pre-closure terms of the parent Bank are met. After approval of the request, the YES Bank will pay the loan balance to the parent Bank via Bankers draft. A new loan will be structured with YES Bank, and an additional amount as a Top Up is also offered with a Balance transfer.
    Personal Loan Top Up
    Personal Loan holders with YES Bank can apply for an additional amount when required as a "Top Up" to the exixting loan. A Top Up is granted after paying a minimun of 6 EMI the applicant should be eligible for the extra loan and meet the required terms and conditions. After a Top Up is approved, the current loan is closed and a new loan account generated this includes the principal balance of the existing loan with the Top up amount aaded.
    YES, Bank Requires Personal Loan Documents
    KYC Documents
    Identity/Age Proof: Passport/ Driving license/PAN Card/ Voter’s card/ School or college leaving certificate.
    Address Proof: Passport/ Driving License/ Telephone bill/ Rent Agreement/ Electricity bill/ Pass Book and latest receipt of cooking gas refill.
    Income Documents
    Income Proof Salary Slips for the last three months.
    Bank statement for the last three months with salary credits.
    Continuity Proof: Form 16 for the last two years/ Appointment letter.
    FAQ’S
  • Why is it Beneficial To Apply For a YES Bank Instant Loan?

    • The YES Bank Instant Personal Loan is a quick and hassle-free personal loan with the lowest interest rate from 10.99% onwards.

  • Who Can Apply For a Personal Loan From YES bank?

    • YES Bank Personal Loan for salaried employees provides credit to individuals employed with registered organizations for more than five years. Unlike other lenders, there is no restricted company list or Yes Bank Personal Loan CIBIL Score Requirements. Eligible applicants can YES Bank Personal Loan Apply.

  • How To Apply For YES Bank Personal Loan?

    • An applicant can apply online or by submitting hard copies after the YES Bank Personal Loan Eligibility Check.

  • Will The CIBIL be Checked With a Personal Loan Application To YES Bank?

    • The YES Bank forwards an inquiry to CIBIL for applicants to check if the credit record is satisfactory and if there are any delinquencies or delays in the repayment of Credit Cards or Loans.

  • What is The Time Taken to Process a Personal Loan from YES Bank?

    • The process from YES bank is speedy and efficient. Funds can be received within 48 hours of applying with the documentation required. Apply Instant YES Bank Personal Loan.

  • What is the Personal Loan Amount that can be sanctioned to an applicant?

    • The loan amount that can be sanctioned to an applicant is calculated based on the income, the current obligations with provisions for monthly expenses and rent.

  • Can a Customer Choose The Tenure For The Personal Loan Approved?

    • The Bank fixes the tenure for a Personal Loan as per the customer's ability to pay the EMI. Applicants can request the desired tenure if it meets the lender's policy.

  • Can a Customer Apply for a Yes Bank Personal Loan Online?

    • The YES Bank digitally processes applications for Personal Loans. Applicants can apply for YES Bank Online Personal Loan with authenticated copies of the documents required.

  • Is it Necessary To Have a Bank Account to Apply For a Personal Loan From YES Bank?

    • It is not mandatory to have an account with YES Bank to receive a Personal Loan. However, it is necessary to have a salary account with a registered bank to which the salary is transferred directly.

  • What is The Repayment Mode For a Personal Loan From YES Bank?

    • The monthly EMI for repayment of a Personal Loan to YES Bank is deducted automatically through ECS. (Electronic clearing systems). The date for the EMI to be presented remains fixed for the entire tenure.

  • What is The Method of Calculation of the EMI to be Paid for a Personal Loan?

    • The EMI for Repayment is Calculated Taking into Account The Following:

    • The Loan Amount Approved.
    • The Tenure Applicable.
    • The Interest Rate.

    The monthly EMI can be calculated with the help of the YES Bank Personal Loan EMI Calculator available on our site.

  • In Which Locations Does The YES Bank Issue Personal Loans?

    • The YES Bank forwards Personal Loans in all major metro cities and surrounding areas major locations include YES Bank Personal Loans in Delhi and NCR. To Apply YES Bank Personal Loan Online in Delhi you can send documentation digitally.

  • What are the eligibility criteria to process a personal loan from YES Bank?

    • The process to apply for a personal loan with YES Bank is convenient and hassle-free, with minimal documentation requirements. Applicants can submit hard copies of documents or YES bank personal loan apply online. The primary eligibility criteria include the following:

    • The applicant must be regularly employed between the ages of 23 and 65 years.
    • The minimum salary transferred to the account must be above ₹ 25k per month.
    • The CIBIL score requirement is 700 points or higher, with a maximum of three recent inquiries allowed.
    • The YES Bank processes personal loan requests from employees of listed and non-listed companies.

    Therefore, when applicants from all segments can avail the benefits of the YES Bank personal loan.

  • How to apply for a YES Bank personal loan?

    • Applicants can apply for a YES Bank personal loan in the following steps:

    • Check if you meet the eligibility criteria of YES Bank.
    • Your CIBIL score must be above the required benchmark.
    • Check for an affordable EMI with the help of the EMI calculator.
    • Prepare the required income and KYC documents to apply for a YES Bank personal loan.
    • Apply online for a YES Bank personal loan or submit the application manually.
    • You will receive the decision within 72 hours via email and an electronic message.

    The approved loan amount is transferred by ECS to your salary account, and the processing fees of 1% are deducted from the loan amount approved. The EMI is deducted henceforth from your salary account on the 10th of every month for the repayment tenure.