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YES Bank Personal Loans offer funds of up to Rs.40 lakhs to meet emergency cash needs and to fulfill various dreams. Interest rates start from 10.99%. Borrowers can choose repayment tenures of up to 60 months. It comes with various other value added services and benefits to give you an exceptional loan experience. Check your eligibility and apply now.
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A personal loan is a loan that you can borrow from any bank or a Non-Banking Financial Company (NBFC) to fulfil your personal needs or to meet unexpected emergencies.
Personal loans are offered to meet various purposes. You can utilize personal loans to fund a vacation, home renovation, your dream wedding, higher studies or for any unexpected medical emergencies. Personal loans are called “unsecured loans” and usually do not require any collateral. Due to this, the interest rates on personal loans are usually higher compared to other secured loans like home loans, car loans or gold loans.
YES Bank offers various loan products to its customers to meet their financial needs. YES Bank Personal Loan is a popular product amongst customers due to its attractive interest rates and flexible repayment terms.
Being one of the largest bank in India, YES Bank offers a wide range of services in the personal loan segment. It is the most preferred bank by all kinds of people for any financial service. For any immediate financial requirement like wedding, medical treatments, house repair, pleasure vacation etc. can be fulfilled using the personal loans offered by YES Bank.
YES BANK's Personal Loan for Holiday
Don’t let your financial chomp stop you from going on that dream vacation.
A YES BANK Personal Vacation loan helps to cover most of your expenses including flight tickets and hotel costs. Based on the loan amount, you can even include the cost of travel accessories.
YES BANK’s Personal Loan for Weddings
Nothing should come in the way in making your ‘Dream Wedding’ a reality. YES BANK’s Personal Loan for Wedding makes sure that you don’t face any shortage of funds on your big day. This loan can include various expenses like jewelry, clothing, catering, decoration and more.
YES BANK’s personal loan for Home Renovation
If you are planning to redecorate or refurbish your home to make it more cozy and comfortable for your loved ones, this loan is for you. Visit the bank’s website for more details on the various offers for Home Renovation personal loans.
The eligibility for an YES Bank personal loan depends on various factors like age, income, other existing liabilities, employment details and the number of years in the current residence.
Age Criteria: Minimum 21 years up to a maximum of 60 years
YES Banks ensures that your Personal Loan is processed quickly and efficiently with hassle-free documentation without any collateral or guarantors. You just need to make sure that you submit all the required documents to ensure a quick application processing.
Please make sure that you provide all genuine documents. YES Bank will verify the authenticity of these documents at any point of time.
You can apply for the YES Bank Personal Loan online on the official website or at your nearest YES bank branch. Here is a simple guideline to apply for the loan:
Loan Processing Fees
Up to 2.5% of the loan amount subject to a minimum of Rs. 999 plus taxes
Between 13-24 months – 4% of Principal Outstanding Between 25-36 months- 3% of Principal Outstanding Between 37-48 months- 2% of Principal Outstanding More than 48 months- NIL
Part Pre-payment Charges Part Prepayment can be done only once a year.
Amount received as part payment will be adjusted against the principal outstanding.
No. of EMIs will be reduced, EMI Amount will remain same for remaining tenure.
2% with applicable taxes on the part prepayment amount
Duplicate No Dues Certificate / No Objection Certificate (NOC)
Rs. 250 per instance
Charges for late payment of EMI
24% per annum on amount outstanding from the date of default
Stamp duty and other statutory charges
As per applicable state laws
Cheque swapping charges
Rs.750 + taxes per instance
Cheque bounce charges
Loan cancellation/ Rebooking charges
Rs.1000 + taxes
Legal/ incidental charges
Duplicate repayment schedule charges
Rs.750 per instance
Statement of account charges
1. What is the best rate of interest I can get on my YES Bank personal loan?
The interest rate charged for a personal loan from YES BANK is determined by a number of factors, including age, income, employment status of the customer. However, YES BANK provides some of the most competitive interest rates available in the market, beginning from just 10.99%. Usually, the lowest interest is applicable to salaried individuals.
2. What is the maximum loan amount I can get as a personal loan?
YES Bank offers personal loans starting from Rs.1 lakh up to Rs.40 lakhs.
3. How long do I get to repay the personal loan?
YES Bank personal loans come with tenures ranging from 12 months to 60 months to give you a comfortable repayment.
4. Can I make part payment on my personal loan?
Yes, you can make part pre-payments on your personal loan. However, this can be done only after you pay at least 12 EMIs. There are also some charges levied for part pre-payments. Check with the bank for the relevant charges before you exercise this option.
5. How can I know how much personal loan can be availed?
To help you with this, YES Bank has the YES Bank Loan Eligibility calculator. This is a chatbot that will ask you for some basic information like age, income and location and give you an approximate loan eligibility amount. This will help in your decision making.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.