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YES BANK Personal Loan Interest Rates

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5.7cr+Satisfied Customers
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₹65k Cr+Loans Disbursed
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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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YES BANK Personal Loan Interest Rate

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

Bank/NBFCInterest Rates (% p.a.)Processing Fees
Aditya Birla Finance10.99 onwardsUp to 4%
Axis Bank9.99 onwards*Up to 2%
Bank of Baroda10.15-18.00Up to 2% (Max. Rs. 10,000)
Bajaj Finance Limited10.00-30.00Up to 3.93%
Bank of India10.85-16.15Up to 1% (Min. Rs. 250; Max. Rs. 15,000)
Bank of Maharashtra8.75-13.55Up to 1% (Max. Rs. 10,000)
Canara Bank9.70-15.15Up to 0.5% (Max. Rs. 5000)
Central Bank of India9.85-11.65Up to 1%
Cholamandalam IFC10.00-28.004% - 6%
Dhani Loans & Services Ltd.13.99 onwards3% onwards
Federal Bank12.00 - 22.50*Up to 2%
HDB Financial Services10.00 - 35.00Up to 5.90%
HDFC Bank9.99 onwardsUp to Rs 6,500
Hero FincorpUp to 30*2.3% - 3%
HSBC Bank9.75 onwardsUp to 2%
ICICI Bank9.99 onwardsUp to 2%
IDFC FIRST Bank9.99 onwardsUp to 2%
IIFL Finance12.00 - 28.002% - 9%
Indian Overseas Bank10.25 onwardsUp to 0.75%
IndusInd Bank10.35 onwards*Up to 3.5%
Kotak Mahindra Bank9.98 onwards*Up to 5%
L&T Finance11.00 onwardsUp to 3%
Mahindra Finance8.00 - 25.002% of loan amount or Rs. 5,000, whichever is lower
Mannapuram Finance18.00 - 24.001% of loan amount
Moneyview14.00 onwards2% onwards
Muthoot Finance13.50 onwardsVaries for each application
Piramal Finance12.14 onwardsUp to 5%
Poonawalla Fincorp9.99 onwardsUp to 3%
Punjab & Sind Bank9.60-13.850.50% - 1%
Punjab National Bank10.25-16.80Up to 1%
Shriram Finance11.00 onwardsUp to 5%
Tata Capital10.99 onwardsUp to 3.5%
UCO Bank9.95 - 13.20Up to 1% (Min. Rs. 750)
Union Bank of India8.75 - 12.55Up to 1% (Max. Rs. 7,500)

*Paisabazaar special rates


Note: Rates as of 11th June 2026

Factors Affecting YES BANK Personal Loan Interest Rates

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.

Tips to Avail Personal Loans at Lower Interest Rates

  • Maintain credit scores of 750 or above.
  • Enquire about the pre-approved personal loans offered by different lenders.
  • Track the personal loan interest rates provided by top banks/NBFC, especially during festive seasons.
  • Find out if your existing bank/NBFCs, with whom you share a banking or lending relationship, can provide personal loans at concessional interest rates.
  • Visit online financial marketplaces to check and compare YES Bank Personal Loan interest rates with the interest rates offered by other lenders.

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FAQs

What is the interest rate of personal loan in YES BANK?

YES BANK offers personal loans at interest rates starting from 13% p.a. onwards. The lender offers YES BANK personal loan interest rates depending on the credit profile of its applicants.

How to get lowest personal loan interest rate from YES BANK?

YES BANK has not disclosed the differential interest rates for its personal loan applicants based on their credit profile. However, just as with most lenders, personal loan applicants having the best credit profile would have higher chances of availing personal loan at lowest interest rates from YES BANK.

Are YES BANK Personal Loan interest rates offered at fixed or floating rates?

YES BANK Personal Loan interest rates are offered at fixed interest rates. As the interest cost remains constant in personal loans availed at fixed interest rates, it provides higher certainty to the borrowers regarding interest cost and budgeting.

Does YES BANK offer special discounts or offers on its personal loan interest rates?

YES BANK has not disclosed any discount or offers on its personal loan interest rates. Applicants can get in touch with the bank directly to check whether they qualify for any discounts or offers for personal loan interest rates.

How can I reduce my YES BANK Personal Loan interest rate?

YES BANK has not disclosed the procedure for conversion of its personal loan interest rate. If the lender does not reduce the personal loan interest rates, applicants can also opt for personal loan balance transfer facility wherein they can transfer their personal loans to other lenders offering lower interest rates.

What is the interest cost for Rs 5 lakh Personal Loan in YES BANK?

The interest cost for personal loan of Rs 5 lakh from YES BANK would depend on the loan tenure opted by the applicant and interest rate offered to him by the bank. Applicants can enter the interest rate, loan amount and loan tenure in YES BANK Personal Loan EMI Calculator to calculate the interest cost and monthly EMIs payable throughout the tenure.

How does YES BANK set interest rates for its personal loan applicants?

YES BANK sets its personal loan interest rates depending on the credit profile of its applicants. However, the lender has not specified its differential interest rates offered based on the occupation profile, credit profile, employer’s profile, etc.

How to calculate YES BANK Personal Loan interest cost?

YES BANK Personal Loan interest cost can be calculated with the help of EMI Calculator. Applicants can enter their loan amount, interest rate and loan tenure in the YES BANK Personal Loan EMI calculator and get their interest cost.

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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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Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
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Shamik Ghosh

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

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