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Smart Overdraft is aimed at providing working capital limit up to INR 1 Cr without balance sheet. Now quick online offers available for MSMEs engaged in manufacturing , trading and professionals like Doctors, Chartered Accountants, Engineers and Architects.

key attractions


No Balance sheet required for analysis


Credit assessment based on banking transactions of the customers

features and benefits


Available to Business as well as Self Imployed Individuals like Doctors/Engineers/CA/Architect

  • Available to Business as well as Self Imployed Individuals like Doctors/Engineers/CA/Architect
  • Fund Based Limits (Overdraft & Drop Line Overdraft)
  • Minimum Loan Amount: INR 20 lacs
  • Maximum Loan Amount: INR 1 cr
  • Parametrized template based product for faster approvals
  • Loan Against Residential/ Commercial/ NA Plot
    SLBC/BG/FD /Surrender Value of LIC


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?

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Documents Required

  • Application Form

  • KYC documents of the applicant entity/ Proprietors/ partners/ directors/ sister concern/ guarantors/ security providers - ID proof & Address proof as per applicable KYC guidelines.

  • Last 12 month bank statements for existing YES Bank customers. If not existing customer, then last 24 month bank statements

  • Proof of Business Vintage e.g. Shop Establishment Certificate, Certificate of Incorporation, Partnership – Certificate of Registration, etc.

  • Sanction Letter & Repayment Track Record of Existing Loans

  • ITR Returns along with computation of Income & acknowledgement for last 2 years of the Applicant

  • Self-certified net worth statement of the promoters/guarantors

  • Documents of Property being offered as security


Have any other query?

Q. Can Individuals be funded under the program?

A. Yes. The profile of the individuals is currently restricted to Doctors, CAs, Architects, Engineers.


Q. What are the group exposure norms under the program?

A. The group exposure norms under the program are capped at 10 MM


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