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YES BANK Rs. 1 Lakh Personal Loan

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.
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Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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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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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Know Your Chances of Approval

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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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All Your Needs

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 personal loan emi calculator from Paisabazaar to plan better.

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.

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

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

YES BANK personal loan interest rates start from 10.85% p.a., depending on your eligibility, credit profile, and income.

Both salaried and self-employed individuals meeting the bank’s age, income, and credit score requirements can apply.

You can choose a flexible repayment tenure ranging from 12 to 60 months

YES BANK charges a processing fee up to 2.50% of the loan amount (plus applicable taxes).

With instant approval and digital processing, disbursal can happen within a few hours to a couple of days.

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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