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YES BANK Personal Loan

YES BANK Personal Loan is offered @13% p.a. onwards for loan amount of up to Rs 40 lakh and for tenure of up to 6 years. YES BANK also claims to process the loan application within 5 days of making application and disburses the loan amount within a few hours of its sanction. It allows balance transfer of existing personal loan from other banks/NBFCs to YES BANK at lower interest rates. It also allows part-prepayment of its personal loan post 12 EMIs.
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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100% Digital Process

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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%
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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

Apply Now

About YES BANK Personal Loan

  • YES BANK offers personal loans to its applicants to meet their non-speculative needs with no end-usage restrictions.
  • The lender offers balance transfer facility to existing personal loan borrowers of other banks and NBFCs to transfer their personal loan accounts to YES BANK at low interest rates.
  • Borrowers are allowed to part prepay their personal loan EMIs post 1 year.
  • The loan proceeds can be used during wedding, medical emergency, travel, education, etc.

YES BANK Personal Loan Highlights

Interest Rate 10.85% - 21.00% p.a.
Loan Amount Rs 1 lakh-Rs 40 lakh
Tenure 1-6 years
Prepayment Charges Allowed if borrower has paid at least 12 EMIs.

  • 20% of principal outstanding (13-24 months of EMI repayment)
  • 20% of principal outstanding (25-36 months of EMI repayment)
  • 25% of principal outstanding (37-48 months of EMI repayment)
  • 25% of principal outstanding (>48 months of EMI repayment)
Foreclosure Charges Allowed if borrower has paid at least 12 EMIs.

  • 4% of principal outstanding (13-24 months of EMI repayment)
  • 3% of principal outstanding (25-36 months of EMI repayment)
  • 2% of principal outstanding (37-48 months of EMI repayment)
  • NIL (>48 months of EMI repayment of EMI repayment)
Processing Fees Up to 2.5% of the loan amount

YES BANK Personal Loan Interest Rates

YES BANK personal loan interest rates start from 13% p.a. onwards. While YES BANK has not stated the break-up of interest rates offered on the basis of the credit score, employer’s profile, occupation profile, etc. of their personal loan applicants, lenders usually use these factors while setting the personal loan interest rates of their personal loan applicants.

YES BANK Personal Loan Fees & Charges

Foreclosure Charges-Full prepayment charges Allowed post repayment of 12 EMIs Charges after 12 months: 13-24 months- 4% of principal outstanding 25-36 months- 3% of principal outstanding 37-48 months- 2% of principal outstanding >48 months- NIL
Pre Part payment Charges 2% + taxes
Pre Part payment allowed Allowed post repayment of 12 EMIs 13-24 months- 20% of principal outstanding 25-36 months- 20% of principal outstanding 37-48 months- 25% of principal outstanding >48 months- 25% of principal outstanding
Pre Part-Payment or foreclosure is not allowed upto payment of 12 EMIs
Duplicate No Due Certificate/No Objection Certificate Rs 250 per statement
Duplicate statement of account charges RS 750 per statement
Penal Interest 24% p.a.
Stamp Duty and other Statutory Charges As applicable
Cheque/SI/ECS/NACH swapping charges Rs 750
Cheque/SI/ECS Dishonour Charges Rs 750
Loan cancellation and rebooking charges Rs 1,000 + tax
Statement of account charges Rs 750
Legal/Incidental/Collection Charges At actuals
Duplicate Repayment Schedule Rs 750
NeSL fee per loan/debt record of borrower per year Rs 25
NeSL Annual Renewal Fee per loan/debt record of a borrower NIL

Also know about personal loan processing fees and charges

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Types of YES BANK Personal Loan

YES BANK Regular Personal Loan Scheme

  • Purpose: YES BANK offers personal loan to its applicants for financing their personal expenses, such as wedding, travel plans, medical emergency and home renovation. YES BANK evaluates the personal loan application based on the credit history, monthly income, repayment capacity and employment status of the applicants.
  • Loan Amount- Rs 1 lakh to Rs 40 lakh
  • Tenure- 1-5 years

YES BANK Personal Loan for Holiday

Purpose: Individuals can avail YES BANK Personal Loan for Holiday to meet their travel expenses, such as flight tickets, hotel charges and travel accessories.

Eligibility for YES BANK Personal Loan

  • The age of the applicant should be between 21 to 60 years.
  • Applicant should be salaried individual employed in a private or public sector enterprise.
  • Applicants having a minimum monthly income of Rs 25,000 are eligible for YES BANK Personal Loan.

Additionally, YES BANK might also factor in the credit score of personal loan applicants, just like most lenders do while evaluating the personal loan eligibility of their loan applicants.

Documents Required for YES BANK Personal Loan

The common documents required to apply for a personal loan with YES BANK include the following:

  • Recent passport size coloured photograph.
  • ID Proof- Aadhaar card, passport, driving license
  • Address Proof- Utility bills, rental agreement and other documents verifying the current address of the applicant
  • Employment Proof- Proof of business ownership or employment letter
  • Income Proof- ITR, salary slips and bank statement
  • Credit report highlighting the creditworthiness of the applicant including the repayment track record.

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

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Avail Personal Loan for
All Your Needs

FAQs

YES BANK confirms its appraisal decision after 5 days of the completion of documentation process. The personal loan gets disbursed within few hours of loan processing and approval.

Yes, you can foreclose your personal loan account at YES BANK after repayment of 12 EMIs. You can also make part-prepayments for personal loan post 12 EMIs.

The personal loan applicants do not require to provide any security, collateral or guarantors while applying for YES BANK Personal Loan.

YES BANK offers personal loans at fixed rates only.

YES BANK has not specified the cut-off credit score for its personal loan applicants. However, the applicants with credit scores of 750 and above have higher chances of availing personal loans at lower interest rates.

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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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Shamik Ghosh

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