YES Bank Personal Loan Interest Rates

YES BANK personal loan interest rate starts from 13% p.a. Borrowers can also check interest rates offered by other banks at Paisabazaar before applying.

Personal Loan Interest Rates by Other Banks/NBFCs

*Paisabazaar special rates
Note: Interest Rates as of 5th January, 2026

Mentioned below are various factors that may influence the YES Bank Personal Loan Interest Rate:

Credit Score

The bank has mentioned that it considers credit scores in determining the Yes Bank Personal Loan Rate of Interest. Similarly, other lenders also consider the credit scores of their personal loan applicants while fixing interest rates. The unsecured nature of personal loans increases the credit risk for lenders, which is why lenders become more dependent on the credit scores of their personal loan applicants to assess their creditworthiness. Lenders also consider personal loan applicants with credit scores of 750 and above more creditworthy and offer them personal loans at lower interest rates.

Applicants of Yes Bank Personal Loan who want to improve their credit scores should consider following healthy credit practices such as paying their credit card bills and repaying EMIs on time, avoiding multiple loan or credit card applications within short durations and maintaining a healthy credit mix. Doing this also helps improve their personal loan eligibility. Lower credit scores can reduce the chances of availing lower YES Bank Personal Loan Interest Rates. Therefore, applicants should review their credit reports at regular intervals to detect clerical errors in their credit reports, which negatively affect their credit score and report them to the concerned credit bureau and lender. A rectified credit report would report a higher credit score.

Income

While the bank has not stated the differential YES Bank Personal Loan Interest Rates based on the monthly income of its applicants, many lenders consider offering lower interest rates to loan applicants with higher income as they have lower credit risk due to their higher repayment capacity.

Employer’s Profile

Although the bank has not specified the role of employer’s or occupation profile in setting the YES Bank Personal Loan Interest Rates, many lenders consider both factors while setting their prospective loan applicants’ personal loan interest rates.

Note that lenders usually set lower interest rates on personal loans for salaried compared to personal loans for self-employed. Salaried applicants, those working for the government or PSUs, are offered preferential interest rates because their job and income security are usually higher than salaried individuals. Among private sector employees, lenders offer lower interest rates to personal loan applicants working in MNCs or reputed private sector organizations due to their higher capacity to deal with adverse economic conditions than other private sector organizations.

Existing Relationship with Yes Bank

Although the bank has not disclosed offering lower YES Bank Personal Loan interest rates to its existing customers, many lenders provide personal loans to their existing lending/deposit account holders at lower interest rates. Hence, prospective personal loan borrowers should contact their lender(s) with whom they already have a standing relationship.