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Business Banking

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Thank you for your interest in YES BANK’s Bike Loan Product. Our representative will get in touch with you shortly

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Smart Overdraft is aimed at providing working capital limit up to INR 1.5 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 Employed Individuals like Doctors/Engineers/CA/Architect
  • Facilities :-Overdraft & Drop Line Overdraft
  • Minimum Loan Amount: INR 20 lacs
  • Maximum Loan Amount: INR 1.5 Cr
  • Parameterized template based product for faster approvals
  • Acceptable Securities:- 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

  • 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


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