YES BANK Rs. 1 Lakh Personal Loan

Name: YES BANK 1 Lakh Personal Loan
Brand: Paisabazaar
Rating: 4.2 (2839 reviews)

Get a YES BANK Rs. 1 Lakh personal loan with interest starting from 10.85% p.a. The personal loan comes with instant approval, flexible repayment tenure and easy application. Apply for YES BANK Rs. 1 lakh loan through Paisabazaar and enjoy multiple benefits.

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Get up to ₹1,000*

Voucher on disbursal

Valid till 30^th September '25

Valid till 30^th September '25*T&C Apply

Check Personal Loan Offers Online

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Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

Personal Loan EMI Calculator

Amount

₹

₹1 L

₹5 L

₹10 L

₹15 L

₹20 L

Amount

₹1 L

₹5 L

₹10 L

₹15 L

₹20 L

₹

50K50L

Rate of Interest(Per Annum)

8%30%

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

Axis Bank

Low Processing fee

Max. Loan Amt.Upto ₹40L

Rate of Interest9.99% - 17.15%

Tenure upto1-5 Years

Processing Fee1% - 1.5%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max. Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

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Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

End-to-End Digital Process

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

Features of YES BANK Rs. 1 Lakh Personal Loan

1-min Approval: Get your Rs. 1 lakh personal loan approved in a minute
No Collateral: Access funds without the need for collateral
Flexible Repayments: Enjoy a flexible repayment option
Convenient Online Application: Experience an easy and hassle-free application with a complete digital process

YES BANK Rs. 1 Lakh Personal Loan Interest Rate

Yes Bank offers a Rs. 1 lakh personal loan at an interest rate starting from 10.85% p.a. onwards. The lenders will offer the final rate of interest on your personal loan based on your credit profile, credit history, and loan tenure. The following factors can help you get a lower interest rate:

Credit score above 750
Excellent credit history
Low debt-to-income ratio

Fees and Charges of YES BANK Rs. 1 Lakh Personal Loan

Particulars	Charges
Processing Fee	Upto 2.50% of loan amount
Part Pre-payment Charges	3% plus applicable taxes on part payment amount paid. Part payment of loan is allowed post repayment of 12 EMIs. Before 12 months it is not permitted. • Part payment should only be allowed once in a financial year and twice during the loan tenure. • Amount received as part payment will be adjusted against the principal outstanding. • No. of EMIs will be reduced, EMI Amount will remain same for remaining tenure. 13-24 Months of EMI repayment – 20% of POS 25-36 Months of EMI repayment – 20% of POS 37-48 Months of EMI repayment – 25% of POS >48 Months of EMI repayment – 25% of POS
Foreclosure Charges	Foreclosure of Loan is allowed post repayment of 12 EMI’s. Charges applicable after 12 months are as under 13-24 Months of EMI repayment – 4% of POS 25-36 Months of EMI repayment – 3% of POS 37-48 Months of EMI repayment – 2% of POS >48 Months of EMI repayment – NIL
Late Payment Fees/Penal Charges	At *contractual Rate for overdue amount/period after 30 days grace period
Cheque Bounce/Return Charges	Rs. 750/- per presentation
Stamp Duty & other Statutory Charges	At actuals as per state laws applicable from time to time. Additionally, we shall levy Rs.125/- (inclusive of GST) as service charges for every stamp paper/e-stamp Paper.
Note: GST and other government charges, taxes, levies, etc. applicable as per prevailing rate will be charged over and above these charges

Who is Eligible for YES BANK Rs. 1 Lakh Personal Loan:

To be eligible for YES BANK’s Rs. 1 lakh loan, an applicant must fulfill the following criteria:

Employment: Salaried employee in a private or public enterprise.
Age: Between 21 and 60 years.
Incomes: Min Rs. 25,000 stable monthly income.
Credit Profile: An excellent credit history and high credit score are preferred.

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Documents Required:

Keeping the documents needed for a YES BANK Rs. 1 lakh personal loan will help with an easy and fast application:

Proof of Identity: Valid government-issued photo ID, such as Aadhaar card, passport, or driver's license.
Proof of Address: Recent utility bills, rental agreement, or other documents verifying your current address.
Income Proof: Latest 3 months' salary slips and bank statements showcasing your financial stability.
Passport-Sized Photographs: A few recent passport-sized photographs.

Also Read: What are the documents required for a personal loan?

EMI Calculation of YES BANK Rs. 1 lakh Personal Loan:

Loan Amount	Interest Rate	Tenure	EMI
Rs. 1,00,000	10.85% p.a.	1 year	Rs. 8,831
Rs. 1,00,000	10.85% p.a.	2 years	Rs. 4,654
Rs. 1,00,000	10.85% p.a.	3 years	Rs. 3,267
Rs. 1,00,000	10.85% p.a.	4 years	Rs. 2,577
Rs. 1,00,000	10.85% p.a.	5 years	Rs. 2,167
Rs. 1,00,000	10.85% p.a.	6 years	Rs. 1,896
Rs. 1,00,000	10.85% p.a.	7 years	Rs. 1.704

Use an online free EMI calculator from Paisabazaar to plan better.

Swipe to see more table data

Reasons for Personal Loan Rejection:

Low Credit Score: A low credit score (below 700) is considered risky by lenders. Try maintaining a good credit score by paying your bills/EMIs on time and reducing credit card usage. Wait for at least 3–6 months for score improvement before reapplying for a personal loan online.
Unstable Income: Frequent job changes or irregular salary inflows raise red flags. Lenders want to be sure that you are capable of paying EMIs. Start by showing proof of steady income for at least 6 months, and avoid applying right after a job switch.
High Debt-to-Income Ratio: If most of your salary already goes into EMIs, lenders hesitate. Lenders prefer your EMI to debt ratio to be within 50-55%. To avoid this, prepay/close small loans or credit card balances to lower existing obligations.
Incomplete/Missing Documents: Missing KYC, salary slips, or bank statements delay or reject your loan. Always keep updated ID, address proof, salary slips, and bank statements ready before applying.