The rates and charges for all products, accounts and programmes of YES BANK are provided in the below sections. To get a quick glance of all rates and charges Click here.
Yes Prosperity Savings Account
NRI-Global Indian Banking
Interest Rates on Savings Account
Savings Account Smart Salary SOC (Effective 1st June 2019)
Savings Account Smart Salary SOC (Effective 1st August 2016)
Savings Account Smart Salary SOC (Effective 1st May 2016)
Savings Account Smart Salary SOC (Effective 1st Jan 2016)
Basic Savings Bank Deposit Account
Schedule of Charges for YES FIRST
Schedule of Charges for Demat Account - Effective 30th November 2018
Basic Savings Account SOC (erstwhile No Frills)
Basic Savings Account - Smart Salary
Savings Account 5 (Savings Value*)
Savings Account 10 (Savings Advantage*)
Savings Account 25 (Savings Select*)
Savings Account 100 (Savings Exclusive*)
Savings Account – Institution
Savings Account Senior Citizen
My First YES Account
JiyoFit Exclusive
Foreign Exchange And Remittance Services
Individual-YES Vijay 2011
YES Premia
Domestic and NRO - Fixed Deposit Interest Rates
|
Fixed Deposit Interest Rates (% P.A)** for < 2 Crore w.e.f 24th June 2019 |
||||
|
Regular |
Annualised Yield^ | Senior Citizens*** |
Annualised Yield^ |
|
|
Tenure |
Interest Rates |
Interest Rates | Interest Rates |
Interest Rates |
|
7 to 45 days |
5.00% |
5.00% | 5.50% |
5.50% |
|
46 to 90 days |
6.25% |
6.25% | 6.75% |
6.75% |
|
3 months to < 6 months |
6.25% |
6.25% | 6.75% |
6.75% |
|
6 months to < 9 months |
6.85% |
6.91% | 7.35% |
7.42% |
|
9 months to < 1 Year |
7.15% |
7.28% | 7.65% | 7.80% |
| 1 Years to <= 10 years* | 7.25% | 7.45% | 7.75% | 7.98% |
|
*Special Rates |
||||
|
12 Months 10 Days to |
7.85% |
8.08% | 8.35% |
8.62% |
|
18 Months 8 Days to |
7.55% |
7.77% | 8.05% |
8.30% |
|
2 years to less than 3 |
7.75% |
7.98% | 8.25% |
8.51% |
** Interest rates are subject to change at the sole discretion of the Bank.
*** Senior Citizen rates are
applicable only for Domestic Deposits
^Annualized yields published, compounded quarterly.
Note:
Premature Penalty on Fixed Deposits:
With effect from 5th July, 2019 Premature Withdrawal Penalty shall be applicable when a FD is either prematurely withdrawn or closed after it has run for a period of 182 days and above.
Penalty Structure for Fixed Deposits with value less than 5 Cr:
|
Tenure of Fixed Deposit (Completed) |
Penalty |
|
Less than equal to 181 days |
Nil |
|
182 days and above |
0.50% |
Premature withdrawal penalty shall be applicable on all fresh and auto renewed FDs booked on/ after 5th July, 2019 for fixed deposit value less than INR 5 Crs.
Key Points:
For values >= 5 Crs, existing penalty structure shall continue at 0.25% for all tenure & value buckets.
Premat penalty will be applicable to all types of customer. (eg: Individual, Non Individual, Senior Citizen, Staff etc.)
Premature FD withdrawal penalty interest will be charged for partial as well as full withdrawal include sweep in cases.
Penalty for premature withdrawal will not be applicable on FDs booked/prematurely withdrawn within a tenure 7-181 days.
Penalty for premature withdrawal is not applicable on FCNR and RFC deposits.
Individual - Resident Recurring Deposit
|
D. Resident RD |
Resident Recurring Deposit rates w.e.f 24th June 2019* |
|
|
Tenure |
Interest Rate (per annum) |
**Senior Citizen Rate (per annum) |
|
6 Months |
6.85% |
7.35% |
|
9 Months |
7.15% |
7.65% |
|
12 Months |
7.25% |
7.75% |
|
15 Months |
7.25% |
7.75% |
|
18 Months |
7.25% |
7.75% |
|
21 Months |
7.25% |
7.75% |
|
24 Months |
7.75% |
8.25% |
|
27 Months |
7.75% |
8.25% |
|
30 Months |
7.75% |
8.25% |
|
33 Months |
7.75% |
8.25% |
|
3 years upto 10 Years |
7.25% |
7.75% |
**Only Senior Citizens are eligible for higher rate of interest
Individual-Health Care Financing
YES Prosperity Credit Cards (Rewards, Rewards Plus, Cashback, Cashback Plus & Edge)
YES BANK MULTI CURRENCY TRAVEL CARD (MCTC)
YES FIRST Business Programme
Edge Business, Prime Business, Exclusive Business
Business Banking Current Account
Schedule of Charges for Current Account (w.e.f. 1st July 2019)
Schedule of Charges for Current Account (w.e.f. 1st February 2018)
Schedule of Charges for Current Account (w.e.f. 1st May 2016)
YES HeadSTART-UP Current Account
YES PRAGATI Current Account
LAP Dropline