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YES Vijay Personal Banking Program

Yes Vijay

A zero balance salary Savings Account designed exclusively for the Defence Forces of India!

Yes Vijay

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YES BANK is honoured and proud to present YES Vijay, a unique and comprehensive Salary Savings Account, exclusively for the Defence Forces.

The YES Vijay Salary Savings Account brings you a world of special privileges and differentiated services that make banking convenient and hassle-free. Further, with YES Vijay you will enjoy unrestricted access to the fast growing YES BANK network of over 1020 branches in 450 cities across India.

So, no matter where you are stationed around the country, you can rest assured that you have the power to meet your family's banking and financial needs.

key attractions

BALANCE REQUIREMENT

No requirement of minimum balance

HIGH RETURNS

Earn higher interest rate of 6% p.a. with your YES BANK Savings Account^

Accident Cover

Enhanced Personal Accident Cover upto INR 30 Lacs

features and benefits

Earn More

Earn higher interest rate of 6% p.a. with your YES BANK Savings Account^

  • Earn higher interest rate of 6% p.a. with your YES BANK Savings Account^

  • Quarterly payout of Savings interest

Disclaimer : ^With effect from September 1, 2017 interest rate of 5% p.a. for balances upto INR 1 lakh, 6% p.a. for balances of INR 1 lakh upto INR 1 Crore, , 6.25% p.a. is applicable for balances of INR 1 Crore upto INR 100 Cr.
For amounts greater than INR 100 Crore, please contact the branch or your designated Relationship Manager. Rates are subject to change at the sole discretion of YES BANK. Conditions apply

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Tax-free interest income^ up to INR 10,000 on Savings accounts

  • Tax-free interest income^ up to INR 10,000 on Savings accounts

  • Free Demat Account Opening, with 50% waiver on AMC for lifetime

  • No extra charge at CSD's across India on payment through a YES BANK Card, through YES BANK card swipe machines

  • Free RTGS/NEFT payment facility through NetBanking

  • Free Demand Draft issuance up to defined limits through Branch and NetBanking

  • Free utility bill payment facility through Net Banking for registered billers

  • Free set-up of Standing Instruction facility

^ Exemption of interest income up to INR 10,000 is applicable on Savings Account held by individuals and HUF only (except NRO accounts). Applicable to individual and HUF customers with aggregate interest income upto INR 10,000 from Savings Account across all banks and institutions as mentioned u/s 80TTA of Income Tax Act 1961. Not applicable to non-individuals

More Convenience

Unlimited access to ATMs of any bank across India

  • Unlimited access to ATMs of any bank across India

  • Free Supplementary Shopping-cum-ATM Card for Joint Account holders

  • Free Additional Debit Card for single account holders

  • No extra charge at CSD's across India on payment through a YES Bank Card, through YES BANK card swipe machines

  • True Anywhere Banking facility for access to any YES Bank branch across India

  • One View of your Savings Account, Fixed Deposits, and Mutual Funds with YES Bank NetBanking

  • Use your mobile to transfer money to any bank account instantly through our IMPS facility

  • Mobile and SMS Banking to keep you updated on the account activity on-the-go

  • Convenience of Single Personal Identification Number for all electronic channels including Internet, Mobile, Phone and ATM Banking.

Titanium Plus Debit Card

Daily Domestic and International ATM Withdrawal Limit of INR. 75,000

  • Daily Domestic and International ATM Withdrawal Limit of INR. 75,000
  • Daily Domestic and International Purchase Limit of INR.1,50,000
  • Accepted at all MasterCard accepting Merchant Stores, Online Portals and ATMs
  • Personal Accident Insurance Cover of INR. 30,00,000.
  • Lost card Liability Insurance Cover worth INR. 1,50,000
  • Purchase protection worth INR. 25,000.for salaried customers
  • Fuel surcharge waiver

International Platinum Chip Cards available at request. Please refer Schedule of charges for more details

Titanium Debit Card

Free Titanium Debit card with access to 1.25 Million ATMs & 25 Million Merchants across India

  • Free Titanium Debit card with access to 1.25 Million ATMs & 25 Million Merchants across India
  • Daily Domestic and international ATM Withdrawal Limit of INR. 50,000.
  • Daily domestic and International Purchase Limit of INR. 1,00,000.
  • Personal Accident Insurance Cover of INR. 30,00,000.
  • Lost card Liability Insurance worth INR. 1,00,000
  • Purchase protection worth INR. 25,000 for salaried customers

International Platinum Chip Cards available at request. Please refer Schedule of charges for more details.

 

Wealth Management Program

YES FIRST - Exclusive Wealth Management Program For Senior Officers

  • YES FIRST - Exclusive Wealth Management Program For Senior Officers

  • Dedicated service anchor to assist you for all your banking requirements

  • Access to exclusive YES FIRST Business Lounges at flagship branches for banking in the lap of luxury

  • Exclusive access to the YES ASSIST Concierge Service Program for your non-banking requirements

ENHANCED PERSONAL ACCIDENT COVER

Personal Accidental Cover of upto Rs. 30 Lakhs

  • Personal Accidental Cover of upto Rs. 30 Lakhs.
  • Free Higher Education benefit (Class XII above) of up to 1 Lakh p.a. for a maximum of four years for higher education of wards of the deceased personnel  (Wherever PA cover applicable)* .The higher education benefit is applicable above class XII. An amount of up to Rs 1 lakh is admissible every year for a maximum of 4 years.
  •   Total Permanent disability *of up to 30 Lac.
  •   Air Accident Death Cover up to Rs.1 crore (Valid on purchase of Air Ticket through the Yes Bank Debit card)

 

Terms & conditions:

  • Above insurance covers are applicable for off-duty only and remain active as long as regular salary credits are routed through the account.
  • In case of reporting of any aforesaid claims, actual salary credits, at least once in the preceding 90 days from the date of the incident will be considered as a valid salary credit.
  • The enhanced accident cover is applicable only to serving personnel of Defence services  and does not cover Retired, Resigned, Suspended or Terminated personnel of Defence Services.

Total Permanent disability coverage up to 100% of S.I. under following conditions

Permanent total Disability

Type of PTD

Percentage of SI

Loss of Sight (Both Eyes)

100%

Loss of Two Limbs

100%

Loss of One Limb & One eye

100%

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Have any other query?

Q. Is employment confirmation mandatory to open a YES Vijay Salary Account?

A. Yes, employment confirmation is required to ensure that you are an employee of the company.

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Q. Can a Defence ID card be accepted as a Photo ID document (YES Vijay Salary Account)?

A. A Defence ID can be accepted as a Photo ID document.

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