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YES Samriddhi

Scorecard Based Lending

Crafted to meet the needs of businesses engaged in trading, manufacturing and services

Scorecard Based Lending

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The Scorecard Based Lending proposition is a financing proposition designed to meet the requirements of businesses engaged in trading, manufacturing and services.

Product features may change without notice -for all Products offering.

key attractions


Turnover based lending approach for assessment of credit limits


Flexible Collateral Requirement basis Score

Feature & Benefits


Maximum Loan Amount: INR 4 cr , Non DP Linked OD up to 2 cr

  • Maximum Loan Amount: INR 4 cr , Non DP Linked OD up to 2 cr
  • Fund Based: Cash Credit, Overdraft, Working Capital Demand Loan , Term Loan, Drop Line OD, Export Credit
  • Non – Fund Based: Letter of Credit, Buyers Credit, Bank Guarantee
  • Trade Related Facility: CMS Limits and Forward Cover
  • Parameterized template based fast track sanction with local credit delegation
  • Loan against Residential/ Commercial/ Industrial/ NA Plot


Account level customization

  • Account level customization
  • Anywhere Banking Facility at no extra cost
  • Money Monitor : India’s first aggregation tool that helps you to view all your bank accounts through single window
  • State of the Art Internet Banking Platform with Real time online account
  • Anytime Anywhere’ banking enabling you to operate your account from any YES BANK branch across the country with no hidden charges


what would you like to do next?

Find a Branch

Documents Required

  • Completely Filled MSME Application Form

  • Last 3 year Financial Statement including latest 2 years Audited Statements along with all shedules

  • Financial Projection for 2 years

  • ITR Returns along with computation of Income atleast for last 2 years of the Applicant/Co-Applicant/Guarantor

  • Sales Tax/ VAT Returns for Current Financial Year.

  • Statement of Accounts for Last 6 months-for all CC/OD/Current Account.

  • Repayment Track Statement from Starting to Till Date OR First and Latest Sanction Letter with last 6 months Repayment Track Statement

  • Proof of Vintage eg. Shop establilshment , Pollution license, etc

  • KYC documents of Applicant/Co-Applicant/Promoters/Guarantor

  • Propoerty Documents offered as Secuiruty

  • Self Certified/CA certified Net worth statement of the Applicant/Co-Applicant/Promoters/Guarantor

  • Sanction letter of the all Major existing working capital facilities availved by the firm

  • Key group company's latest Audited Financials, alongwith details of Bank borrowings if any

  • Order in Hand and Important Agreement if any

* All Documents must be self attested

** These are only indicative and not exhaustive list of Documents.

Have any other query?

Q. Can individuals be funded under this program?

A. No only business units can be funded this program


Q. What kind of activities are not eligible for finance under this product?

A. These are the following businesses/activities not funded under this program: i) Funding real estate project or investment in real estate ii) Capital market business or any business of speculative nature iii) Seasonal business/Liquor trade/Tobacco trade iv) Business under negative list as per YES Bank credit policy and RBI guidelines


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