Yes Bank Instant Personal Loan @11.25% Upto 50 Lakh

Yes Bank Personal Loan is an ideal choice to meet personal expenses. Get loan upto Rs. 40 Lakhs.

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Fincover® > Banking > Loan > personal loan > Yes bank Personal Loan

Yes Bank Personal Loan apply online

Yes Bank is one of the largest private banks in India offering premium banking service to Indian customer. Yes Bank is an ideal choice for instant Personal Loan requirement. It can be used to cover holiday expenses, including hotel charges, and urgent medical expenses.

Features of Yes Bank Personal Loan

Seamless Prepayment
Prepayment facility available after paying 12 EMIs.
1-Minute Approval
Check your loan eligibility with Yes Bank in just 60 seconds.
Zero Collateral
Personal loans approved without the need to submit any collateral.
Loan Transfer
Get a balance transfer of higher personal loans from other banks.
Quick Disbursal
Funds will be transferred within one hour from the time of approval.
Easy to Apply
Easily apply online with minimal documentation.
Doorstep Banking
Yes Bank offers doorstep services, where an executive will visit your place for documentation.

Compare Yes Bank Personal Loan vs other Lenders

Personal Loan Interest Rates 2025

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Institution	Interest Rates
HDFC Bank	10.85% – 24.00%
Axis Bank	11% – 24.00%
Bandhan Bank	11.90% Onwards
ICICI Bank	10.85% – 16.25%
DBS Bank	10.99% – 24.00%
Bank of Baroda	11.05% – 18.75%
SBI	11.45% – 14.85%
IndusInd Bank	10.49% – 24.00%
Yes Bank	11.25% – 21.00%
Standard Chartered	11.50% – 24.00%
IDFC First	10.99% – 23.99%
Kotak Mahindra Bank	10.99% – 24.00%
PNB	11.40% – 17.95%
Indian Bank	10.90% – 24.00%

Eligibility criteria for Personal Loan at Yes Bank

Criteria	Details
Age	21 to 58 years (at the time of loan maturity)
Minimum Income	₹25,000 per month (for salaried individuals)
Employment Type	Salaried or self-employed individuals
Employment/Business Tenure	Minimum 1 year of work experience with the current employer/business
Credit Score	750 or above (preferred for higher chances of approval)
Loan Amount	₹1 Lakh to ₹50 Lakhs
Nationality	Indian residents only

Fees and Charges for a Personal Loan at Yes Bank

Fee/Charge	Details
Processing Fee	Up to 2.5% of the loan amount + GST
Prepayment Charges	4% of the outstanding principal amount (if prepayment is done within 12 months)
Foreclosure Charges	4% of the outstanding principal amount (if foreclosure is done within 12 months)
Late Payment Charges	₹500 to ₹1,500 per EMI missed, depending on the outstanding amount
Cheque Bounce Charges	₹500 per instance
Loan Cancellation Charges	₹3,000 + GST (Processing fee is non-refundable)
Stamp Duty	As per state laws

Documents required for Yes Personal Bank

Document Type	Required Documents
Identity Proof	Aadhar Card, PAN Card, Passport, Voter ID, or Driving License
Address Proof	Aadhar Card, Passport, Utility Bills (Electricity, Water, etc.), Rent Agreement
Income Proof (Salaried)	Last 3 months’ salary slips, 6 months’ bank statement showing salary credits
Income Proof (Self-Employed)	Last 2 years’ Income Tax Returns (ITR), Profit & Loss Statement, Bank Statements
Photographs	Passport-sized photographs (usually 2-3)
Loan Application Form	Duly filled and signed loan application form

Yes bank Customer Care

Customers can reach their helpline at 1800 1200
Email Support – yestouch@yesbank.in

How to Apply for a Loan at Yes Bank?

Get your loan approved in 4 simple steps,

Visit https://www.fincover.com/banking/loan/personal/ and select Yes Bank
Enter all the required information as requested and Submit your personal loan application
Check if your personal loan is approved
If approved and verified, the loan will disbursed in few days

How to check the status of Yes Bank Personal Loan

Applicant can check with the application reference number on bank’s portal if they have applied on the bank website. If they applied through Fincover, you can login and check the status of your loan.

How long does it take to process a Yes Bank Personal Loan?

Once all the documents are submitted, the loan usually takes 3-4 days from the submission date for approval. Once approved, the loan gets credited to your account within few hours after your consent

Does Yes Bank offer personal loan in floating interest rate?

No, yes bank offers personal loan only in fixed interest rate

Do I need to provide any guarantor signature while applying for a personal loan?

Yes Bank does not ask for any guarantor or collateral for personal loans

Does Yes Bank charge the same interest for everyone for personal loans?

No, the interest rates for Personal Loan start from 10.99. It depends on a lot of factors such as your credit score, monthly income, repayment capability.

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