Personal Loans

Personal Loan

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You may be eligible for a pre approved loan.
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Instant, Quick and Seamless. YES BANK Personal Loan to afford your special something and fulfil that every little dream of yours

What is a Personal Loan?

Personal loans are short and medium term ‘unsecured’ loans which do not require any collateral.

Why do you need a Personal Loan?

There are many occasions and moments in your life that you look forward to and some help in the form of extra funds can make it more special.

  • Tick mark your next favourite dream destination with your family

  • Make the next wedding in your family, even more memorable.

  • Renovate your house, make it a home.

Managing too many loans can be difficult, but you can save on fees and reduce interest by transferring your debt to YES BANK.

With quick and easy Personal loans from YES BANK, you can now go ahead and treat your loved ones to that long awaited holiday abroad or give your home a makeover. YES BANK Personal Loans allow you to fulfill your personal requirements instantly.

Type of Loans

Personal Loan / Business Loans




Self Employed

Foreclosure of loan ( Full Pre payment)  is not allowed up to payment of

12  EMI’s

12 EMI’s

Foreclosure Charges  ( Full Pre payment)

13 -24 Months of EMI Repayment -4%

25 -36 Months of EMI Repayment -3 %

37 -48 Months of EMI Repayment-2%

>48 Months of EMI Repayment -Nil


13 -24 Months of EMI Repayment -4%

25 -36 Months of EMI Repayment -3 %

37 -48 Months of EMI Repayment-2%

>48 Months of EMI Repayment -Nil

Eligibility Criteria


Basic Eligibility/Requirement

Monthly Net Salary

Minimum 25,000/- in Hand (Net Salary)

Salary account with Yes Bank (Yes/No)

Should have min 6 months’ salary account with YBL

No of Yr in Current Company

Minimum 6 Months

Total Work Experience (Employment)

Minimum 2 years

No of Yr in Current Residence/Residence Details

Owned – No Condition

Parental Owned – No Condition

Rented - Minimum 2 yrs at current residence

ITR / Form 16

For last 2 Financial Years

Loan Requirement /Minimum Loan Amount

2 Lacs

features & benefits

loan amount upto INR 20 lakhs

Loan available up to INR 20 lakhs

No Guarantor

NO guarantor / NO Security / NO Collateral

other benefits

View our hosts of other benefits

View our hosts of other benefits:

  • Attractive Interest Rates

  • Flexible repayment options

  • No collateral required

  • Loans available for various needs


what would you like to do next?


Click To Apply

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Documents Required

  • Proof of identity, age, address and Signature

  • Salary slips of the last 3 months and IT Returns for the last 2 years

  • Bank Statement of salary account for the last 6 months

Have any other query?

Q. What is the Rate of Interest (ROI) applicable?

A. Minimum ROI offered is 14%.


Q. How much can I borrow?

A. Borrowings will depend upon Yes Bank lending policy. Loans are available from INR 200,000 to INR 20,00,000


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Features and Benefits

We at YES BANK offer customers personal loans ranging from INR 1 lakhup to INR 25 lakhs at the most competitive interest rates, for a tenure ranging from 12 to 60 months. A broad tenure range ensures that you get to choose the period over which you wish to repay the loan amount, as per your convenience. YES BANK personal loans are extremely popular choices among our customers due to their inherent benefits, which include:

  • Unsecured Loan: You are not required to provide any security or guarantor when taking a personal loan from YES BANK.

  • Flexible Repayment Options: You get to choose the tenure of your loan. By opting to repay your personal loan with Equated Monthly Instalments (EMIs) over a given period, it is easy for you to plan and manage your funds.

  • In principle approval in 60 secs : Now you can get instant eligibilityapproval  using our YES Mpower BOT ( Give hyperlink to the BOT)

  • Quick Disbursal of Funds: Once your application for a personal loan gets processed, your funds get disbursed within a matter of days.

  • Competitive Interest Rates: Our personal loan interest rates are among the BEST IN THE INDUSTRY, starting at 10.75%.

  • Easy Application Process: You can apply for a personal loan online through our website; the process is quick, with only basic documentation.

  • Transfer your existing loan: You can also transfer your high cost Personal Loans with us at lowest interest rates. You can also avail additional funds during the process.

  • Part Pre Payment option available: Have some extra funds, you can also choose to part pre-pay your YES Bank Personal Loan with nominal charges

Flexible EMIs

To ensure that your repayment process is smooth and according to your convenience, we provide you flexible tenure options at the most competitive interest rates. The longer the duration of your loan, the lower is the monthly instalment that you pay. With our personal loan EMI calculator facility, you can quickly determine the EMI you would be required to pay across various tenures and choose a repayment schedule that suits you best.

Applying for a Personal Loan

Personal loans are a great way to raise funds immediately as they are readily available. To avail a personal loan with YES BANK, you are advised to follow a few basic steps:

  • Assess Your Requirement: Determine the amount of money you require in the present and plan how you intend to repay the amount. When you take the loan, you are required to pay it back in fixed instalments over a specified period. So, you must carefully analyse your resources to choose the amount of EMIs that you would like to pay.

  • Know Your Eligibility instantly using YES mPower: We at YES BANK provide you with a set of criteria regarding eligibility. To be eligible for a personal loan, you must be between the ages of 22 and 58 years. You must be a salaried, with a minimum monthly income of INR 25,000, and have a good credit history. Having an idea of your credit score and understanding the eligibility criteria before applying for a personal loan would enable you to be ready with the required paperwork, which in turn would help us quicken the process of verifying your application and disbursing the funds at the earliest.  And what’s more, now all this can happen within 60 secs, by talking to our bot YES mPower

  • Complete the Application Process: To apply for a personal loan fill out the application form available on the YES BANK website. You may also visit your nearest bank branch to submit the application process for personal loan in person. Our knowledgeable staff will help you out with the entire process, from start to finish.

To add to your convenience in banking with YES BANK, we provide you with doorstep banking services. When applying for a personal loan with YES BANK, our bank representative will visit your home or office for completion of the application form as well as the documentation process for personal loans.

Keeping with the advancements in modern technology and the drive towards digitalisation of the economy, we at YES BANK provide you with our Net Banking services to help you carry out your banking functions as smoothly and efficiently as possible.


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