Competitive Interest Rates
Starting 7.10% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
15.5L Reviews
Lowest interest rates starting from 7.1%
15.5L Reviews
Competitive Interest Rates
Starting 7.10% p.a.
Handpicked Home Loan Offers
Offers from 25+ Banks & HFCs
Dedicated Customer Support
Expert Assistance at Every Step
Transfer Balance & Get a Top-Up Easily
Additional Funds when Required
Compare & Choose the Best Offer
Curated Offers from Multiple Lenders
Highest Loan Approval Chances
Easy & Transparent Borrowing Process
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
| Interest Rate | 9.00%-13.60% p.a. |
| Loan Amount | Rs 10 lakh-Rs 10 crore |
| Loan Tenure | Up to 35 years |
| Processing Charges | Up to 2% or Rs. 10,000 (whichever is higher) + GST |
| Minimum Income | For Salaried: Rs 20,000 per monthFor Self-Employed: Rs 4 lakh p.a.
For YES Khushi Home Loan: Rs 9,000 per month |
Note: Last Updated on 1 September 2025
YES Bank home loan interest rates start from 9% p.a. onwards. The lender offers differential interest rates depending on the type of home loan schemes offered to its home loan applicants.
| Particulars* | Charges/Fee |
|---|---|
| Processing Fee | 1.5% or Rs. 10,000 whichever is higher (Rs. 7,500 is non-refundable in case the disbursal has not been availed) |
| Part-Payment/Pre-payment/Loan Pre-closure/Foreclosure Fees | Nil for floating rate loans 2.5% on the principal outstanding for fixed-rate loans |
| Late Payment Fees / Penal Interest Rate (Default Interest Rate) | 24% per annum i.e. @2% per month on the overdue instalment(s) |
| Additional Interest | 2% p.a. over and above the applicable interest rate on the loan outstanding |
| Repayment Mode / Cheque Swap Charges | Rs. 500 |
| Cheque Bounce / Return Charges | Rs. 750 per instance |
| Statement of Account /Amortisation Schedule (on registered e-mail id) | Nil |
| Statement of Account /Amortisation Schedule (Physical mode or via Branch) |
Rs. 100 per request |
| Prepayment Statement Charges | Rs. 100 per request |
| Duplicate No Objection Certificate (NOC) | Rs. 100 per request |
| Loan cancellation/Rebooking | Rs. 2,000 (additionally franking/stamping norms as per actuals, if applicable) |
| Legal, Repossession & Incidental charges | At actuals |
| Document retrieval charges (per advice) (Photocopy/scanning, etc.) | Rs. 500 |
| Switch charges (Floating to prevailing fixed rate only if the same is permitted by the bank at the time of request) | 0.5% of the outstanding loan amount |
| Switch charges (Fixed to prevailing floating rate only if the same is permitted by the bank at the time of request) | 1% of the outstanding loan amount |
| Conversion charges (Higher Floating rate to lower floating rate, only if the same is permitted by the bank at the time of request) | 0.5% of the outstanding loan amount |
| Conversion charges (Higher Fixed rate to lower Fixed-rate, only if the same is permitted by the bank at the time of request) | 1% of the outstanding loan amount |
| EMI cycle date change | Rs. 500 |
| Equitable Mortgage Creation Charges/Stamp Duty | At actuals as per state laws applicable from time to time |
* Goods and Services Tax (GST) as applicable will be levied in addition to the mentioned charges.
Purpose: For purchase of new home or resale property
Purpose: For home construction or plot purchase and construction thereon
Purpose: This is an affordable housing loan scheme for applicants with minimal or no income proofs, without any restrictions on job profile or industry. YES Khushi Home Loan is provided for property areas starting from 200 sq.ft. onwards (including 1 RK or studio apartments or a big house). This home loan scheme can also be used for availing balance transfer and/or top-up home loan facilities.
Loan Amount: Rs 1 lakh onwards
Minimum Monthly Income: Rs 9,000
Purpose: Home loan scheme specially designed for self-employed professionals and non-professionals
Purpose: For repair/renovation of existing home
Purpose: Additional loan on already existing home loan
Purpose: For transfer of existing home loans from other banks/financial institutions to YES Bank at lower interest rates.
Get a Home Loan For
Your Dream Home
KYC Documents
Proof of Income
KYC Documents
Proof of Income
Customers can reach out to YES Bank on the below-mentioned details to get their home loan- related queries addressed.
Get up to ₹5 Crore in 5 Simple Steps
Step 1: Enter your mobile number in the application form.
Step 2: Verify using the OTP sent to your mobile number.
Step 3: Enter details related to your loan requirements.
Step 4: Provide your personal and employment details.
Step 5: Compare offers and apply for the best-suited loan.
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