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Money matters

Personal Loan Eligibility

Personal Loan Eligibility

A personal loan from YES BANK can help solve short term financial requirements in a most effective and quick manner. With minimum paperwork and basic information, you can have your loan approved in no time. We at YES BANK offer personal loans ranging from INR 2,00,000 – INR 20,00,000, at the most competitive interest rates.

Personal loan eligibility is something you must be aware of to quicken the process of availing the required funds. We at YES BANK have our own set of eligibility criteria, which are very basic in nature. Before applying for a personal loan from YES BANK, kindly go through the following eligibility criteria carefully -

  • Age limits – An applicant must be at least 22 years, and not more than 58 years old, to avail a personal loan.

  • Nature of employment – Salaried employee or a self-employed individual with regular income

  • Income – Your monthly net income should be a minimum of INR 25,000. Salary slips from the past 3 months and bank statements to establish the same will be required.

  • Should have a salary account with YBL for a minimum of 6 months.

  • Total Work Experience – A minimum of 2 years, with a minimum 6 months at current place of work.

  • Residence Details – Minimum of 2 years at current residence if it is rented. Owned/parental owned require no condition.

  • ITR/Form 16 needs to be shown for the last 2 financial years.

The chances of increasing your value on our personal loan eligibility calculator is substantially higher when you –

  • Pay off your pending dues

  • Choose a longer tenure of repayment

Once you establish your eligibility for a personal loan and produce the necessary document, the disbursal of funds, after processing your personal loan application, takes next to no time.

View the schedules of charges by clicking here.

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