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Yes Bank Gold Loan

YES Bank Gold Loan


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YES Bank gold Loan - Interest rate, features & eligibility

Financial emergencies can hit you anywhere at any time without prior warning. You can use Gold loans in times of financial shortage. Many Indians prefer to make gold investments to ensure their future is financially secure, in times of need. Getting a loan against your gold is one of the most lucrative options. Whether you take a gold loan to cater to emergency needs, fund your child’s education, or for other personal reasons. Many banks and non-financial banking institutions (NBFCs) offer gold loans at an affordable rate. One of them is Yes Bank. YES Bank offers gold loans at attractive interest rates & flexible repayment tenure, making gold assets the fastest source of availing instant cash. YES Bank Gold Loan would be the right choice for you in case of immediate fund requirements. You can avail up to Rs. 50 lakhs gold loan from Yes Bank. Read about YES BANK Gold Loan, interest rates, features, eligibility, and documentation to procure a Yes Bank gold loan.

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What Is The Interest Rate of YES Bank Gold Loan?

Before getting into the Yes bank gold loan, let's see how lenders usually set the gold loan interest rate. Firstly, To avail of a Gold Loan, you need to pledge your gold ornaments as collateral or security against which you can avail of the loan amount. Since gold is given as security, you can get a gold loan at a reasonable interest rate. The interest rate is a significant factor in obtaining any different loan option as it directly impacts your repayment. The YES BANK Gold Loan arrives at an interest rate ranging from 9.65% to 15.65% p.a.and it will rely on different factors like the overall profile & loan amount. Also, you will get a tenure of up to 36 months (3 years). Check out the highlights of Yes Bank gold loan.

Key Highlights of YES Bank Gold Loan

  • Interest Rate - 9.00% - 15.00%
  • Minimum Tenure - 3 months
  • Maximum Tenure - 36 months
  • Minimum Loan Amount - Rs. 25, 000
  • Maximum Loan Amount - Rs. 50 lakh
  • Processing Charges - Is 0.75% of the total loan amount + GST
  • Documentation fees: Rs. 150
  • Partial Prepayment / Foreclosure charge: 1% of the Outstanding Loan Amount for 6 months.
  • Bounce Charge: Rs. 200
  • Swap Charges - Rs. 250

What Are The Steps To Apply For Yes Bank Gold Loan?

You can apply for a Yes Bank gold loan either using an online or offline method. Check out the below- specified methods to avail of an instant gold loan from Yes bank.

Steps to Apply For Yes Bank Gold Loan Online

  • First, go you the official website of Yes Bank or tap the below link for the same:
  • Click the option ‘loan in seconds’. There you will find the Gold Loan section. From which click the Apply Now button.
  • Once you press the apply now button, you will get an application form.
  • Next, you have to fill in the form with the necessary details and submit it.
  • After your application is processed, the Yes bank representatives will contact you regarding your loan application.

Steps to Apply For Yes Bank Gold Loan Offline

  • To avail of Yes bank gold loan offline, visit any of the nearest Yes bank branches with your gold.
  • The bank representatives will take care of everything. Starting from explaining the scheme to ascertaining the gold value.
  • Post completing all the formalities, you can get the loan amount in cash.

What Are The Necessary Documents For Yes Bank Gold Loan?

For availing of the YES Bank Gold Loan, you will need to submit the following documents at the time of application.

  • Submit Your 2 Recent passport-size photographs.
  • of Identity - Aadhar Card/ Passport/ Valid driving license/PAN card
  • of Address– Voter’s ID Card/Aadhar Card/ Electricity or Telephone Bill/ Ration Card.
  • Proof of signature
  • Also, the Additional document for the Sole proprietorship concern is business proof.

What Are The Eligibility Criteria of Yes Bank Gold Loan?

The following are the eligibility criteria that should be satisfied by the person planning to avail of a gold loan from Yes bank.

  • The applicant should be a citizen of India & between the age of 18 to 65 years.
  • The purity of the gold should be 18 to 22 karats.
  • The applicant should have a regular and stable source of income.

What Are The Benefits of YES Bank Gold Loan?

YES Bank Gold Loan arrives with productive features and benefits. Let us know the significant highlights of the YES BANK Gold Loan:

  • Yes bank gold loan offers gold loans up to Rs. 50 lakhs. It helps you to cater to urgent needs without any hassle. Also, note that the bank will provide the loan amount based on the value and purity of your gold.
  • You do not need to provide any guarantor or Co-borrower to avail of a gold loan.
  • The Yes Bank has the best in-house gold evaluation process that helps you get the maximum loan amount against pledged gold ornaments.
  • The option of the top-up facility on your gold loan is available without extra charges.
  • Here, you don’t need to stress about the safety of your gold as your pledged asset is safeguarded in the vaults of the YES BANK & it has world-class security protocols.
  • You will get convenient repayment options & simple documentation.
  • If you want to make a part payment loan amount or foreclose your loan before the predetermined tenure, you can make it by paying 1% of the total outstanding amount after the six months of your loan tenure.
  • Yes bank gold loan will facilitate you to pay your interest monthly/ quarterly or pay at the end of the tenure or monthly installments as per your convenience.

What Is Yes Bank Gold Loan Customer Care?

If you have any queries or problems about the YES BANK gold loan facility, you can contact Yes bank customer care at 1800-1200 from your registered mobile number. The representatives will listen to your query & provide you with a satisfactory solution. Also, you can write an email addressing your problem & send it to

Yes Bank Gold Loan FAQs

1. What is the minimum & maximum tenure of a Yes bank gold loan?

The yes bank gold loan arrives with a minimum tenure of 3 months to a maximum of 36 months.

2. What security should I submit to avail of Yes Bank Gold Loan?

All you need to bring is your gold ornaments to the Gold Loan branch. Depending on your requirement & your eligibility, you can choose from the different product variants.

3. Are there any advantages for the Agricultural/Priority sector?

Yes bank offers preferred interest rates for the Priority sector Gold Loan.

4. What are the different options to repay the Yes bank gold loan amount?

You can repay the gold loan by Cheque or DD or using Funds Transfer etc. the bank will release your ornaments on the realization of the outstanding loan.

5. How long will the Yes Bank take to process the gold loan?

The Gold loan is disbursed just in an Hour. However, this is subject to the loan amount, and assessment of the gold jewelry, & depending on the documents you submit.

6. Who is eligible for Yes Bank Gold Loan?

You can avail Gold Loan if your age is 18 to 65 years.

7. How can I repay the gold loan?

The bank offers multiple repayment options. You can opt for Servicing of the interest or Interest with Principal.

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