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YES Bank Personal Loan

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100% Digital Process

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Quick Loan Approval

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Faster Loan Disbursal

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Minimal Documentation

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2839 Reviews

51M+Satisfied Customers
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800+Cities across India

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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

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

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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

Explore Our Yes Bank Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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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.

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Your website is the best to apply for a personal loan. Got my loan disbursed within 3 days. So easy and hassle-free.

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I got my loan approved within 24 hours. The process was fast, transparent, and reliable, exactly what I was looking for.

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