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YES Prosperity Savings Account w.e.f 1st February, 2020
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Rates and Charges
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.
Accounts
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Yes Prosperity Savings Account
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NRI-Global Indian Banking
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Interest Rates on Savings Account
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Savings Account Smart Salary SOC (Effective 1st June 2019)
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Basic Savings Bank Deposit Account
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Schedule of Charges for Demat Account - Effective 30th November 2018
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Savings Account – Institution
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Foreign Exchange And Remittance Services
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Archived SOC
English
YES Prosperity Savings Account w.e.f 1st October, 2019
YES Prosperity Savings Account w.e.f 1st July, 2019
YES Prosperity Savings Account w.e.f. 1st Jun 2019
Yes Prosperity Savings Account w.e.f. 1st March 2018
Yes Prosperity Savings Account w.e.f. 1st February 2018
Yes Prosperity Savings Account w.e.f. 1st December 2016
Smart Salary Advantage Effective October 1, 2012
Basic Savings Bank Deposit Account – Salary
Basic Savings Bank Deposit Account w.e.f. 1st Jun 2019
Basic Savings Bank Deposit Account w.e.f. 1st February 2018
Basic Savings Bank Deposit Account
Basic Savings Account SOC (erstwhile No Frills) - Effective August 12, 2013
Basic Savings Account - Smart Salary (erstwhile No Frills for Smart Salary) - Effective August 12, 2013
Smart Salary Exclusive Effective October 1, 2012
No Frills for Smart Salary Effective May 1, 2012
Schedule of Charges Savings Value Effective October 1, 2012
Schedule of Charges Savings Advantage Effective October 1, 2012
Schedule of Charges Savings Advantage Effective April 1, 2011
Schedule of Charges Savings Select - Effective October 1, 2012
Schedule of Charges Savings Select - Effective April 1, 2011
Schedule of Charges Savings Exclusive Effective November 1, 2012
Schedule of Charges Savings Exclusive Effective April 1, 2011
Schedule of Charges My First YES Account - Savings Account Effective October 1, 2012
Schedule of Charges Jiyo Fit Savings Account Effective January 1, 2013
Schedule of Charges Jiyo Fit Savings Exclusive Account Effective October 1, 2012
Schedule of Charges Senior Citizen Savings Account Effective May 1, 2012
Schedule of Charges Senior Citizen Savings Account Effective April 1, 2011
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Individual-YES Vijay 2011
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Domestic and NRO - Fixed Deposit Interest Rates
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Fixed Deposit Interest Rates (% P.A)** for < 2 Crore w.e.f 1st May, 2020 |
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Regular |
Annualised Yield^ | Senior Citizens*** |
Annualised Yield^ |
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Tenure |
Interest Rates |
Interest Rates | Interest Rates |
Interest Rates |
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7 to 45 days |
5.00% |
5.00% | 5.50% |
5.50% |
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46 to 90 days |
6.00% |
6.00% | 6.50% |
6.50% |
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3 months to < 6 months |
6.00% |
6.00% | 6.50% |
6.50% |
|
6 months to < 9 months |
6.75% |
6.81% | 7.25% |
7.32% |
|
9 months to < 1 Year |
6.75% |
6.86% | 7.25% | 7.38% |
| 1 Years to <= 10 years* | 7.00% | 7.19% | 7.50% | 7.71% |
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*Special Rates |
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18 Months 8 Days to 18 Months 18 Days |
7.25% |
7.45% | 7.75% |
7.98% |
|
2 years < 3 years |
7.25% |
7.45% | 7.75% |
7.98% |
** 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:
- For reference purpose interest rate slabs considered are 3 months = 91 days; 6 months = 181 days; 9 months =272 days
- Actual Number of days will be calculated at the time of booking
- For less than 1 year deposit, please mention tenure in days
- Reinvestment is available for minimum tenure of 6 months 1 day (actual number of days in the month)
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:
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Tenure of Fixed Deposit (Completed) |
Penalty |
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Less than equal to 181 days |
Nil |
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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:
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Premat penalty will be applicable to all types of customer. (eg: Individual, Non Individual, Senior Citizen, Staff etc.)
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Premature FD withdrawal penalty interest will be charged for partial as well as full withdrawal include sweep in cases.
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Penalty for premature withdrawal will not be applicable on FDs booked/prematurely withdrawn within a tenure 7-181 days.
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Penalty for premature withdrawal is not applicable on FCNR and RFC deposits.
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For values >= 5 Crs, existing penalty structure shall continue at 0.25% for all tenure & value buckets.
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Individual - Resident Recurring Deposit
English
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D. Resident RD |
Resident Recurring Deposit rates w.e.f 1stMay, 2020* |
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|
Tenure |
Interest Rate (per annum) |
**Senior Citizen Rate (per annum) |
|
6 Months |
6.75% |
7.25% |
|
9 Months |
6.75% |
7.25% |
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12 Months |
7.00% |
7.50% |
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15 Months |
7.00% |
7.50% |
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18 Months |
7.00% |
7.50% |
|
21 Months |
7.00% |
7.50% |
|
24 Months |
7.25% |
7.75% |
|
27 Months |
7.25% |
7.75% |
|
30 Months |
7.25% |
7.75% |
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33 Months |
7.25% |
7.75% |
|
3 years upto 10 Years |
7.00% |
7.50% |
**Only Senior Citizens are eligible for higher rate of interest
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Individual-Health Care Financing
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YES Prosperity Credit Cards (Rewards, Rewards Plus, Cashback, Cashback Plus & Edge)
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YES BANK MULTI CURRENCY TRAVEL CARD (MCTC)
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YES FIRST Business Programme
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YES Premia Current Account
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Edge Business, Prime Business, Exclusive Business
English
Schedule of Charges for Current Account w.e.f 1st January 2020
Schedule of Charges for Current Account w.e.f 1st November 2019
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 February 2016)
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Business Banking Current Account
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Schedule of Charges for Current Account
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Schedule of Charges for Current Account (w.e.f. 1st July 2019)
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Schedule of Charges for Current Account (w.e.f. 1st February 2018)
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Schedule of Charges for Current Account (w.e.f. 1st May 2016)
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Merchant Acquiring POS (with immediate effect)
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YES HeadSTART-UP Current Account
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YES PRAGATI Current Account
English
YES PRAGATI Schedule of Charges Effective 1st April 2020
YES PRAGATI Schedule of Charges Effective 1st January 2020
YES PRAGATI Schedule of Charges Effective 1st November 2019
YES PRAGATI Schedule of Charges Effective 1st February 2018
YES PRAGATI Current Account (Applicable only for RIBB Branches) w.e.f. 1st August, 2016
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Trade Finance and Services
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Schedule of Charges for Current Account (w.e.f. 1st December 2013)
English
Current Account 10 (Business Value*)
Current Account 30 (Business Growth*)
Current Account 70 (Business Benefit*)
Current Account 200 (Business Edge*)
Current Account 500 (Business Elite*)
*Revised product name w.e.f March 1, 2015
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Schedule of Charges Current Account 2012
English
Current Account SOC (Effective 1st October 2012)
Current Account 10 (Business Value*)
Current Account 30 (Business Growth*)
Current Account 70 (Business Benefit*)
Current Account 200 (Business Edge*)
Current Account 500 (Business Elite*)
Current Account TradeCurrent Account Smart Trade
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Schedule of Charges Current Account 2011
English
Current Account SOC (Effective 1st April 2011)
Current Account 10 (Business Value*)
Current Account 30 (Business Growth*)
Current Account 70 (Business Benefit*)
Current Account 200 (Business Edge*)
Current Account 500 (Business Elite*)
Current Account LAS Equity
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Current Account 10 (Business Value*)
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Current Account 30 (Business Growth*)
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Current Account 70 (Business Benefit*)
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Current Account 200 (Business Edge*)
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Current Account 500 (Business Elite*)
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Current Account Trade
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Current Account Smart Trade
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Current Account - Institution
English
Schedule of charges Current Account – Institution Effective 1st April 2020
Schedule of charges Current Account – Institution Effective 1st January 2020
Schedule of charges Current Account – Institution Effective September 1, 2019
Schedule of charges Current Account – Institution Effective September 1, 2019
Schedule of charges Current Account – Institution Effective February 1, 2018
Schedule of charges Current Account – Institution Effective December 1, 2013
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Channel Finance Dealer Current Account
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Lending Rates
English