| Interest Rate | Depending on the credit profile of the loan applicant, nature of business and loan facility to be availed |
| Loan Amount | As per the applicant’s credit profile |
| LTV Ratio | Up to 100% of the asset value |
| Tenure | Up to 7 years |
| Processing Fee | Up to 2.5% of loan amount |
YES BANK Business Loan

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Curated Offers from 20+ Lenders
Unsecured Loan
Term Loan & OD Facilities Available
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Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds

Highlights of YES BANK Business Loan
YES BANK Business Loan Interest Rates
| Loan Products | Interest Rate (p.a.) |
|---|---|
| Commodity Finance Against Agricultural Commodities | MCLR/ EBLR+6% + applicable tax or other statutory levy, if any |
| Farm Mechanisation Loan | New tractors/ Harvesters: 12% – 17% Used Tractors: 17% – 24% |
| Micro Enterprise Loan | TL/OD/DLOD: 9% to 13.9% p.a. MEF Individual: 12% to 16% p.a. |
YES BANK Business Loan Fees & Charges
For Retail Business Loan
| Description of Charges | Charges |
|---|---|
| Processing charges | Not mentioned by the bank |
| Loan Cancellation and Re-booking Charges | Rs. 1,000 (In the event of cancellation, in addition to cancellation charges, interest would be charged for the interim period between date of disbursement & date of loan cancellation) |
| Defaulted Interest Rate/late Payment Charges (for the overdue period on EMI/Principal overdue) | 24% p.a. |
| Loan Prepayment charges | Prepayment/Foreclosure is not allowed prior to the payment of 6 EMI’sCharges applicable after 06 months are as under:
|
| Part Prepayment Charges | Part prepayment is not allowed |
| Legal / Collections / Repossession & Incidental Charges | At actuals |
For Commercial Vehicle Term Loan
| Description of Charges | Charges |
|---|---|
| Processing Fee | Up to 1% of Loan Amount |
| Prepayment Charges | From 7 months (from 1st EMI) – 4% of outstanding |
| Part Prepayment charges | Rs 2,500 per instance (max permitted 2 times in any financial year and prepayment amount not to exceed 25% of balance principal o/s) to be allowed post 12 months only. |
| Loan Cancellation and Re-booking Charges | Rs 3,000 per loan |
| Loan Rescheduling Charges | Rs 2,500 per loan |
| Late Payment Charges | 2% per month |
| NOC to convert from Commercial to Private Registration & Vice Versa | Rs 2,000 per NOC |
| Non-submission of PDD Documents Copy/Original Registration Certificate/Invoice/Insurance document with hypothecation noting in favour of YES BANK | Rs 1,000 levied per quarter if documents not submitted within 120 days from loan disbursal date |
| NeSL Fee per loan/debt record of a borrower for first year | Individuals – Rs 50 Company and LLP:
Other Commercial Entities: |
| NeSL Annual Renewal Fee per loan/debt record of a borrower | Individuals – Nil Company and LLP:
Other Commercial Entities: |
| Additional NeSL Charges | Rs 10 for annual updation after the completion of period of 5 years from the date of submission |
For Commercial Vehicle Dropline Overdraft
| Description of Charges | Charges |
|---|---|
| Login Admin Fees (Non Refundable) | Up to Rs 10,000 |
| Loan Processing Fees (Non Refundable) | For all product variants – Up to 2% of the loan sanctioned, subject to a minimum of Rs 10,000 |
| Part Prepayment Charges | For Floating Rate Term Loans & Dropline Overdraft Facility (DOD) to Individuals – NILFor other* loan categories:
(a) NIL fees for part prepayments upto 25% of the principal outstanding** in a financial year. Note: Part prepayment cannot be done until 12 months of repayment from the loan disbursal date. Part prepayment can be made multiple times in a year. |
| Loan Pre-closure/Foreclosure Fees | For floating rate loans to Individuals – NIL For other* loan categories:4% of the principal outstanding ** for Term Loan/Current Limit for DOD FacilityNote: * Includes fixed/non floating rate loans & loans to Non Individuals ** Principal outstanding refers to principal balance in the month when the account becomes eligible for making pre-closure (i.e at least 12 months after loan disbursal date)Loan pre-closure cannot be done until 12 months of repayment from the loan disbursal date. |
| Account Maintenance Charges |
|
| Commitment charges for overdraft facility |
|
| Late Payment Fees | 2% per month on the overdue amount |
| Penal Interest Rate (Default Interest Rate) | 2% per month on the overdue amount |
| Additional Interest | Up to 2% per month over & above the applicable interest rate on the loan to be levied if any conditions mentioned in the sanction letter and/or loan agreement are not complied.The rate of interest will be levied from the date of non-compliance till the date the conditions stipulated by the bank are fulfilled to the satisfaction of the bank. |
| Loan cancellation/ Rescheduling charges | Rs 2,000 (franking/ stamping norms if applicable) |
| Conversion / Switch Fees ( From floating to fixed / non floating at the time of request & subject to the interest rate proposition being available & acceptable to the bank ) | 0.5% of the current principal outstanding at the time of request (Switching of the interest rate shall be at the sole discretion of the bank) |
For Farm Mechanisation Loan
| Description of Charges | Charge |
|---|---|
| Processing Fee |
|
| Loan Cancellation and Re-booking Charges |
|
| Late Payment Charges | 2% per month |
| Prepayment / Foreclosure/Part payment charges |
|
For Micro Enterprise Loan
| Description of Charges | Charges |
|---|---|
| Processing Fee |
|
| Renewal Fee |
|
| Overdue Interest | 2% p.a. over and above the applicable interest rate |
| Non Compliance of any of the conditions of sanctions or irregularity in the account, Facility letter, Facility agreement, Loan Documents, as the case may be (other than mentioned above) | 2% p.a. over and above applicable rate of interest |
| Current Account Charges | |
| Remittance Services | Foreign outward remittance payments – 0.125% of the Bill amount subject to a minimum of Rs. 1,000 + Swift Charges of Rs. 500Foreign inward remittance credits – No commission, only exchange margin |
| Foreign Exchange Services | Issuance of foreign currency demand draft – Rs 250 (for USD, GBP & EUR) / Rs 500 (for other currencies acceptable to YBL) additional to standard remittance charges applicable aboveIssuance of Traveler’s Cheque (available only at select branches) – 1% Commission
Foreign Currency Cheque Collection – Rs 500 (USD, GBP & EUR) / Rs 1,500 (other currencies acceptable to YBL) additional to standard remittance charges applicable above |
Types of YES BANK Business Loans
Retail Business Loan
Healthcare Finance Loan
Commercial Vehicle Loan
Construction/Commercial Equipment Loan
Business Equipment Loan
Scorecard-based Lending
Smart Overdraft
Smart Edge
Commodity Finance against Agricultural Commodities
YES GST
Farm Mechanisation Loan
Micro Enterprise
| Useful Business Loan Resources | |
|---|---|
| Eligibility for Business Loan | Business Loan Interest Rates |
| Documents Required for Business Loan | Business Loan EMI Calculator |
Avail Yes Bank For
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YES BANK Business Loan Eligibility Criteria
Retail Business Loan
Healthcare Finance Loan
Commercial Vehicle Loan
Construction/Commercial Equipment Loan
Farm Mechanisation Loan
Micro Enterprise Loan
Smart Edge
| Choose Business Loans of Your Choice | |
|---|---|
| 5 Lakh Business Loan | 10 Lakh Business Loan |
| 20 Lakh Business Loan | 30 Lakh Business Loan |
| 40 Lakh Business Loan | 50 Lakh Business Loan |
Documents Required for YES BANK Business Loan
Healthcare Finance Solution/ Business Equipment Finance
List of Pre-approval Documents:
List of Post-approval / Pre Disbursement Documents:
Commercial Vehicle Financing
Construction Equipment Loan
Scorecard-based Lending
Smart Overdraft
Smart Edge
YES GST
Farm Mechanisation Loan
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