- 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.
PAISABAZAAR PARTNER

YES BANK Personal Loan

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₹
500*
on Loan Disbursal
Valid till 30th September '26
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Instant Personal Loan
Get up to ₹50 Lakhs starting at 9.99%
Interest Rate
10.5% Onwards
Processing Time
3 - 5 Days
Processing Fee
2.5
Max Loan Amount
₹50 Lakh
4.5/5
15.6L Reviews
6cr+Satisfied Customers
30+Lending Partners
₹65k Cr+Loans Disbursed
About YES BANK Personal Loan
Get Cashback of ₹500* on Loan Disbursal (Valid till 30 September '26)
₹
5K1Cr
1Yrs7Yrs
Processing Time3 - 5 Days
Interest Rate10.5%
Processing FeeUpto 2.5%
Max Loan Amount₹50 Lakh
EMI₹0
YES BANK Personal Loan Interest Rates
YES BANK personal loan interest rates start from 10.5% 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
Types of YES BANK Personal Loan
YES BANK Regular Personal Loan Scheme
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
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:
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FAQs
What is the turnaround time for YES BANK Personal Loan disbursal?
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.
What is the interest rate on a YES BANK Rs. 1 lakh personal loan?
The interest rate for a YES BANK 1 Lakh Personal Loan starts from 10.5% p.a. The final interest rate offered on a YES BANK 1 Lakh Personal Loan depends on factors such as your income, credit score, repayment capacity, and overall eligibility.
Can I foreclose my personal loan account at YES BANK?
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.
Do I need to provide any security or guarantors while applying for YES BANK Personal Loan?
The personal loan applicants do not require to provide any security, collateral or guarantors while applying for YES BANK Personal Loan.
Can I choose between a fixed and floating interest rate?
YES BANK offers personal loans at fixed rates only.
What is the minimum credit score required to avail YES BANK personal loan?
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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Personal Loan Articles
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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%.
Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001
Get up to ₹50 Lakhs starting at 9.99%*
Get up to ₹50 Lakhs starting at 9.99%*

















