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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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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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 Fee6,500
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%
Why Choose Paisabazaar?
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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

Apply Now

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 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

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

What is the interest rate on a YES BANK Rs. 1 lakh personal loan?

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

Who can apply for a Rs. 1 lakh personal loan from YES BANK?

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

What is the repayment tenure available for the YES BANK Rs. 1 Lakh Personal Loan?

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

What is the processing fee for a YES BANK Rs. 1 Lakh Personal Loan?

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

How long does it take to get a YES BANK Rs. 1 Lakh Personal Loan amount disbursed?

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

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

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

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 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
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Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

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