| 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
Expert Advice
Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds

15.6L Reviews

Avail up to ₹1 Cr starting at 13%
15.6L Reviews
Best Loan Offers
Curated Offers from 20+ Lenders
Unsecured Loan
Term Loan & OD Facilities Available
Expert Advice
Guidance & Assistance
Top Up Facility
Loan to Get Additional Funds
Find Best Business Loan Offers
Choose from 20+ Partner Banks/NBFCs
Pick from Secured & Unsecured Options
Get Working Capital & Top-Up Loan Solutions
Flexible Tenure of Up to 4 years
How Can I Apply for a Business Loan Online?
Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
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
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
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
How Can I Apply for a Business Loan Online?
Step 1: Enter your mobile number in the application form.
Step 2: Enter OTP to verify your mobile number.
Step 3: Provide your personal details.
Step 4: Select a bank account for account aggregator consent.
Step 5: Compare offers and apply for the best-suited loan.
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