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YES Samriddhi

Scorecard Based Lending

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

Business Banking

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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 generated through financials, banking and other details

Feature & Benefits


Maximum Loan Amount: INR 5 cr

  • Maximum Loan Amount: INR 5 Cr
  • Fund Based Facilities: Cash Credit, Overdraft, Working Capital Demand Loan , Term Loan, Drop Line Overdraft, Export Credit
  • Non Fund Based Facilities : Letter of Credit, Bank Guarantee
  • Other Trade Related Facilities: CMS Limits and Forward Cover
  • Parameterized template based fast track sanction 
  • Security: Loan against Residential/ Commercial/ Industrial Properties


Account level customization

  • Account level customization
  • Anywhere Banking Facility at no extra cost
  • 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


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Documents Required

  • Completely Filled MSME Application Form

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

  • Financial Projection for 2 years

  • Income Tax Returns along with computation of Income at least for last 2 years of the Applicant/Co-Applicant/Guarantor

  • GST 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 e.g. Shop establishment , Pollution license, etc

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

  • Property Documents offered as Security

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

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

  • Key group company's latest Audited Financials, along with 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.


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