Yes Bank Personal Loan Interest Rate 2025
Offering a wide range of financial services — from business and corporate banking to retail loans, fintech solutions, and wealth management — Yes Bank is a trusted name for both individuals and businesses. If you’re considering a personal loan, this guide will walk you through everything you need to know about Yes Bank Personal Loans, including interest rates, loan options, eligibility criteria, and required documents. Let’s dive in.
Yes Bank Personal Loan Interest Rate Highlights
Before we go into details of the article, here are the highlights of the Yes Bank Personal Loa Interest Rate:
Loan Amount | Rs. 1 lakh - Rs. 40 lakh |
Interest Rate | 11.25% - 21.00% p.a. |
Tenure | 1 - 5 years |
Prepayment Charges | Allowed if the borrower has paid at least 12 EMIs.
|
Foreclosure Charges | Allowed if the borrower has paid at least 12 EMIs.
|
Processing Fees | Up to 2.5% of the loan amount |
Types of Yes Bank Personal Loans
These are the different types of Yes Bank personal loan schemes available:
YES Bank Regular Personal Loan Scheme
- Purpose: YES Bank provides personal loans to help applicants cover various personal expenses, including weddings, vacations, medical emergencies, and home renovations. The loan application is assessed based on factors such as credit history, monthly income, repayment ability, and employment status.
- Loan Amount: Rs. 1 lakh to Rs. 40 lakh
- Tenure: 1 to 5 years
YES Bank Personal Loan for Holiday
- Purpose: With the YES Bank Personal Loan for Holiday, individuals can secure funds to cover their travel expenses, including hotel bookings, flight tickets, and other travel accessories.
Features of Yes Bank Personal Loans
Yes Bank Personal Loan scheme has some essential benefits and advantages, such as:
- Instant Approval: Applicants can receive approval for YES Bank personal loan in just 60 seconds.
- Competitive Interest Rates: Yes Bank Personal Loan’s interest rates start at just 11.25% and go up to 21% per annum.
- Flexible Repayment Terms: Applicants can select a repayment tenure between 12 to 72 months depending on their financial capability.
- Rapid Fund Disbursement: Once approved, YES Bank personal loan funds will be transferred within hours.
- Loan Conversion Option: Applicants can transfer other high-interest personal loans to YES Bank, benefiting from lower rates and the possibility of accessing additional funds.
- Part-payment Facility: After 12 EMIs, users have the option to make a part-payment on their YES Bank personal loan.
Yes Bank Personal Loan Interest Rate 2025
Yes Bank Personal Loan interest rates start at 11.25% and can go up to 21% per annum, depending on various factors. The bank also offers flexible repayment tenures ranging from 12 to 72 months to suit diverse financial needs. With quick approvals, minimal documentation, and the convenience of online applications, Yes Bank makes personal financing accessible and hassle-free.
Fees And Charges Of Yes Bank Personal Loan Scheme
The following charges are applicable while securing a personal loan from Yes Bank:
Type | Charge/Fees |
Full Prepayment approval Charges | Allowed after 12 EMIs. |
13-24 months | 4% of principal outstanding |
25-36 months | 3% of principal market's outstanding |
37-48 months | 2% of priding |
> 48 months | NIL |
Pre-Part Payment Charges | 2% + taxes |
Pre-Part Payment Allowed | Allowed after 12 EMIs. |
13-24 months | 20% of the principal outstanding |
25-36 months | 20% of the principal outstanding |
37-48 months | 25% of the principal outstanding |
> 48 months | 25% of the principal outstanding |
Pre-Part Payment or Foreclosure is not allowed until | 12 EMIs |
Loan Cancellation and Rebooking Charges | Rs 1,000 + tax |
Cheque/SI/ECS/NACH Swapping Charges | Rs 750 |
Cheque/SI/ECS Dishonour Charges | Rs 750 |
Duplicate Statement of Account Charges | Rs 750 per statement |
Statement of Account Charges | Rs 750 |
Duplicate No Due Certificate/No Objection Certificate | Rs 250 per statement |
Legal/Incidental/Collection Charges | At actuals |
Duplicate Repayment Schedule | Rs 750 |
Stamp Duty and Other Statutory Charges | As applicable |
NeSL Fee per Loan/Debt Record of Borrower per Year | Rs 25 |
NeSL Annual Renewal Fee per Loan/Debt Record of Borrower | NIL |
Eligibility Criteria For Yes Bank Personal Loans
Following is the eligibility criteria to secure a personal loan from Yes Bank:
- The applicant must be between 21 and 60 years of age.
- Applicants should be salaried individuals working in either private or public sector organisations.
- To qualify for a YES Bank personal loan, the applicant must have a minimum monthly income of Rs. 25,000.
- In addition, YES Bank may also consider the applicant's credit score, as many lenders do when assessing eligibility for personal loans.
Documents Required To Apply For Yes Bank Personal Loan
YES Bank generally requires the following documents from personal loan applicants:
- A completed application form along with passport-sized photographs.
- Identity Proof: Aadhaar card, PAN Card or driving license.
- Address Proof: Recent utility bill, rental agreements
- Income Proof: The last 3 months' salary slips and recent bank statements.
Additionally, YES Bank may request other documents beyond those listed above from personal loan applicants.
Yes Bank Personal Loan EMI Calculator
The YES Bank Personal Loan EMI Calculator helps you quickly estimate your monthly payments by entering the loan amount, tenure, and interest rate. You can easily adjust these details to find an EMI that fits your budget. The calculator instantly shows the EMI along with a clear breakdown, making it easier to plan your finances and manage repayments confidently.
Yes Bank Personal Loan Customer Care
If you are facing any issues regarding Yes Bank Personal Loans, you may contact the customer support team at 1800 1200 (toll-free) or 1860 210 1200 (charges applicable as per the service provider).
In conclusion, this blog post about the Yes Bank Personal Loan Interest Rate 2025 covered all the important aspects of the Loan. Hopefully, this will make it easier for you to complete the application process. If you face any difficulty, you may contact the customer support team via a toll-free number.
Similar Articles:
1. Indian Bank Personal Loan Interest Rate 2025
2. IOB Personal Loan Interest Rate 2025
3. Kotak Mahindra Bank Personal Loan Interest Rate 2025
4. Union Bank Personal Loan Interest Rate 2025
5. Bandhan Bank Personal Loan Interest Rate 2025
Frequently Asked Questions
About the Author
Saloni Dhumne
A former journalist by profession, I live by the power of the written word. Specializing in personal finance, I simplify wealth planning for individuals looking to grow their money effectively. Beyond my work, I eagerly seize any opportunity to travel, exploring offbeat destinations and embracing new experiences.. Read more
Clear offers taxation & financial solutions to individuals, businesses, organizations & chartered accountants in India. Clear serves 1.5+ Million happy customers, 20000+ CAs & tax experts & 10000+ businesses across India.
Efiling Income Tax Returns(ITR) is made easy with Clear platform. Just upload your form 16, claim your deductions and get your acknowledgment number online. You can efile income tax return on your income from salary, house property, capital gains, business & profession and income from other sources. Further you can also file TDS returns, generate Form-16, use our Tax Calculator software, claim HRA, check refund status and generate rent receipts for Income Tax Filing.
CAs, experts and businesses can get GST ready with Clear GST software & certification course. Our GST Software helps CAs, tax experts & business to manage returns & invoices in an easy manner. Our Goods & Services Tax course includes tutorial videos, guides and expert assistance to help you in mastering Goods and Services Tax. Clear can also help you in getting your business registered for Goods & Services Tax Law.
Save taxes with Clear by investing in tax saving mutual funds (ELSS) online. Our experts suggest the best funds and you can get high returns by investing directly or through SIP. Download Black by ClearTax App to file returns from your mobile phone.
Cleartax is a product by Defmacro Software Pvt. Ltd.
ISO 27001
Data Center
SSL Certified Site
128-bit encryption