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...

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.

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Valid till 31^st March '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

100% Digital Process

Curated offers from 30+ lenders

Quick Loan Approval

Money in your account instantly

Faster Loan Disbursal

Offers ranked according to eligibility

Minimal Documentation

Hassle-free & paperless

Calculate Your Personal Loan EMI

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50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

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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 Fee₹ 6,500

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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YES Bank Personal Loan Highlights

YES Bank Personal Loan Interest Rates

YES Bank Personal Loan Fees & Charges

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End-to-End Digital Process

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

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

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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

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.

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

Kokil BarnwalFeb 12, 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.

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.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

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