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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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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 ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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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.

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 Yes Bank 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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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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