What is the interest rate for YES Bank Personal Loan?

YES Bank personal loans start at 13% p.a. onwards. The exact rate may vary depending on your credit score, income, and employment profile.

What is the maximum loan amount I can avail?

You can get a loan of up to Rs 40 lakh, subject to eligibility and repayment capacity.

What is the maximum tenure for YES Bank Personal Loan?

Loan tenure ranges from 1 to 6 years, depending on the type of loan and applicant’s profile.

Who is eligible for a YES Bank Personal Loan?

Salaried individuals aged 21–60 years working in private or public sector enterprises with a minimum monthly income of Rs 25,000. Credit history may also be considered

Can I transfer my existing personal loan to YES Bank?

Yes, YES Bank offers personal loan balance transfer facility at lower interest rates.

Can I prepay or foreclose the loan?

Part-prepayment is allowed after 12 EMIs, subject to prepayment charges as applicable.

How long does it take for loan disbursal?

YES Bank typically processes applications within 5 days and disburses the loan within a few hours of sanction.

What documents are required?

Photo ID, address proof, employment proof, income proof, and credit report.

YES Bank Personal Loan – Fast Approval & Attractive Interest Rates

Yes Bank

Check Eligibility

Max. Loan Amt.

Up to ₹40.00 Lakh

Rate of Interest

13.00% - 13.00%

Tenure up to

1 - 6 Years

Processing Fee

₹Up to 2.5%

Quick DisbursalFlexible Repayment

Features of YES Bank Personal Loan

Competitive interest rates starting at 13% p.a.
Loans up to Rs 40 lakh
Flexible repayment tenure up to 6 years
Quick processing and fast disbursal
Balance transfer facility to lower interest costs
Part-prepayment option after 12 EMIs

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YES Bank Personal Loan Highlights

Interest Rate	13% p.a. onwards
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. The bank has not disclosed a detailed break-up of interest rates based on factors such as credit score, occupation, or employer profile. However, like most lenders, YES Bank considers an applicant’s creditworthiness, income, employment profile, and repayment history while determining the exact interest rate for a personal loan.

YES Personal Loan EMI Calculator

Principal Loan Amount *

Interest Rate (% p.a) *

Loan Term (Years) *

Total Repayment = Principal + Interest

Monthly EMI

Rs. 0

Total Interest

Rs. 0

Total Repayment

Rs. 0

Types of YES Bank Personal Loan

1. YES Bank Regular Personal Loan Scheme

Purpose: Finance personal expenses like wedding, travel, medical emergencies, or home renovation. The loan application is assessed based on credit history, monthly income, repayment capacity, and employment status.
Loan Amount: Rs 1 lakh to Rs 40 lakh
Tenure: 1–5 years

2. YES Bank Personal Loan for Holiday

Purpose: Cover travel-related expenses such as flight tickets, hotel charges, and travel accessories.
Loan Amount & Tenure: Same as regular personal loan (subject to eligibility)

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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

Eligibility Criteria for YES Bank Personal Loan

Age: 21–60 years
Employment: Salaried individuals employed in private or public sector enterprises
Minimum Monthly Income: Rs 25,000
Credit Score: While not mandatory, YES Bank may consider credit score when evaluating eligibility