Yes Bank Verified Partner · Fast Online Approval

Yes Bank Personal Loan

Exclusive Personal Loan Offers & Instant Disbursal up to ₹20 Lakhs

Starting ROI

Starting at 10.99% onwards

Max Tenure

1 to 5 years

Loan Amount

₹ 40 lakhs

Processing Fee

2%

100% Digital Process Flexible Prepayment Instant Sanction

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Fast Disbursal

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Zero Foreclosure Fee

Save thousands on early loan closures

Swift 24h Disbursal

Direct deposit into your bank account

100% Paperless KYC

Secure Aadhaar & PAN verification

Smart Loan Planning

Yes Bank Personal Loan EMI Calculator

Plan your monthly installments based on Yes Bank’s starting interest rate of Starting at 10.99% onwards.

Loan Amount₹5,00,000
₹50,000₹ 40 lakhs
Interest Rate (% p.a.)10.99%
10.99% (Min)24.0%
Tenure3 Years (36 Months)
1 Year5 Years
Monthly EMI

₹16,367

Principal: 85%Interest: 15%
Principal Amount:₹5,00,000
Total Interest Payable:₹89,212
Total Amount Payable:₹5,89,212
Eligibility & Overview

What is a Yes Bank personal loan?


A Yes Bank personal loan is an unsecured, collateral-free loan for diverse needs—home renovation, medical emergencies, travel, debt consolidation, and other personal expenses. With competitive interest rates, minimal documentation, and a seamless digital journey, a Yes Bank personal loan offers fast access to funds without guarantors.

Features of Yes Bank Personal Loan

  1. Loan Amount: Avail ₹1 lakh to ₹40 lakhs under a Yes Bank personal loan.
  2. Interest Rates: Competitive rates starting at 10.99% p.a.
  3. Loan Tenure: Flexible repayment from 1 to 5 years.
  4. Processing Fees: Up to 2.50% of the loan amount.
  5. Quick Disbursal: Disbursal typically within hours post approval and document submission.
  6. No Collateral Required: 100% unsecured Yes Bank personal loan; no guarantor needed.
  7. Part Prepayment Facility: Available after 12 EMIs, with applicable charges.
  8. Foreclosure Facility: Permitted post 12 EMIs with charges based on repayment period.

Eligibility Criteria

  1. Age: 21 to 60 years at loan maturity.
  2. Income: Minimum net monthly income of ₹25,000.
  3. Employment: Salaried or self-employed with stable income.
  4. Work Experience: At least 2 years total, with 6 months in the current organization.
Documentation Checklist

Documents Required

  1. Identity Proof: PAN Card and Aadhaar Card.
  2. Income Proof: Last 3 months’ salary slips, last 3 months’ bank statements, and Form 16.
  3. Address Proof: Utility bills/telephone bills/rental agreement.
  4. Photographs: Two recent passport-size photographs.
Transparent Fees & Charges

Fees and Charges

  1. Foreclosure Charges:
    1. 13–24 months: 4% of principal outstanding
    2. 25–36 months: 3% of principal outstanding
    3. 37–48 months: 2% of principal outstanding
    4. 48 months: NIL
  2. Part Prepayment Charges: 2% plus applicable taxes (allowed after 12 EMIs).
  3. EMI Bounce Charges: ₹600 – ₹1,200 per bounce.
  4. Cheque/SI/ECS Dishonor Charges: ₹750 per instance.
  5. Duplicate Statement of Account: ₹750 per statement.
  6. Loan Cancellation & Rebooking: ₹1,000 plus taxes.
  7. Processing Fee: Up to 2.50% of the Yes Bank personal loan amount.
Loan Insights & EMI Reference

Key Benefits of Yes Bank Personal Loan

  1. Unsecured Loan: No collateral or guarantor is required for a Yes Bank personal loan.
  2. Flexible Repayment: Use the online EMI calculator to tailor your EMI plan.
  3. Instant Approval: In-principle approval within ~60 seconds if eligible.
  4. Competitive Rates: Starting from 10.99% p.a. for cost-effective borrowing.
  5. Speedy Disbursal: Funds typically disbursed within hours after approval.

Application Process

  1. Online Application: Visit the FinCrif website and complete the personal loan form.
  2. Document Submission: Upload required documents for verification.
  3. Approval: Receive instant in-principle approval if you meet Yes Bank personal loan eligibility.
  4. Disbursal: Quick disbursal post successful verification.

Frequently Asked Questions (FAQs)

  1. What are the minimum and maximum loan amounts?
    1. You can avail a Yes Bank personal loan from ₹1 lakh to ₹40 lakhs.
  2. How can I apply for a Yes Bank personal loan?
    1. Apply online via the official FinCrif website or visit a Yes Bank branch.
  3. Is prepayment or foreclosure allowed?
    1. Yes, part prepayment and foreclosure are allowed after 12 EMIs with applicable charges.
  4. What is the processing fee?
    1. Processing fee is up to 2.50% of the loan amount.
  5. How long does disbursal take?
    1. Disbursal typically occurs within a few hours of approval and document submission.

Ready to Apply for Yes Bank Personal Loan?

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Got Questions?

Frequently Asked Questions

Everything you need to know about Yes Bank personal loan rates, eligibility, and processing.

Yes Bank personal loan rates start from 12.5% p.a., determined by your credit score, monthly net salary, and employer category.