Avail Instant Personal Loans ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Check Eligibility

You can now borrow amounts of up to ₹50 Lakhs to meet all your monetary needs with a YES BANK Personal Loan, now available on Bajaj Markets. Alongside the high loan amount, you can benefit from flexible tenures of up to 5 years.

YES BANK Personal Loan Interest Rates and Charges

YES BANK Personal Loan interest rates and other charges have been listed below for your reference:

Interest Rate

Starting from 12.50% p.a.

Processing Fee

Up to 2.50% of the loan amount

Part-payment Charges

Part-payment of 20% to 25% of the. principal amount is allowed after repayment of 12 EMIs:

  • 13 to 24 months: 20% of principal outstanding

  • 25 to 36 months: 20% of principal outstanding

  • 37 to 48 months: 25% of principal outstanding

  • 49 to 60 months: 25% of principal outstanding

  • A fee of 2% + GST is charged on the part-payment amount paid.

Foreclosure Charges

Foreclosure is allowed after repayment of 12 EMIs:

  • 13 to 24 months: 4% on principal outstanding

  • 25 to 36 months: 3% on principal outstanding

  • 37 to 48 months: 2% on principal outstanding

  • >48 Months: Nil

*Disclaimer: Interest rates and other charges are subject to change. Please check with the lender before applying.

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Features and Benefits of a YES BANK Personal Loan

High Loan Amounts

You can secure personal loans of amounts ranging from ₹1 Lakh to ₹50 Lakhs

Repayment Options

Choose a repayment tenure between 1 and 5 years as per your repayment capacity

Quick Processing

With the completely digital process, your loan application is processed quickly.

Zero Collateral

No need to pledge your valuable assets such as property or gold ornaments to secure this loan

Attractive Interest Rates

Interest rates of these loans start from as low as 12.50% p.a.

Easy Application Process

You can apply for the loan online in just a few minutes through Bajaj Markets.

Eligibility Criteria and Documents Required

Here are the eligibility criteria you must fulfil to improve the chances of your application being approved:

  • You must fall under the age bracket of 21 to 60 years

  • You must be a salaried individual working in a public sector or private sector organisation

  • You must have a minimum net monthly income of ₹20,000 if residing in a Tier-1 city and ₹15,000 if living in a Tier-2 or Tier-3 city

  • You should have a credit score of 700 or more

 

Make sure to submit the following documents when applying for the loan:

  • Identity Proof

    • Voter ID

    • Aadhaar card

    • PAN card

    • Passport, etc.

  • Address Proof

    • Aadhaar card

    • Driving licence

    • Voter ID

    • Passport

    • Utility bills

    • Rent agreement, etc.

  • Income Proof

    • Latest salary slips (usually of the last three months)

    • ITR certificate

    • Latest Form 16

  • Loan application form filled in with all particulars

How Can I Get in Touch with YES BANK’s Customer Care Team?

Reach out to the customer care team of YES BANK through the following details:

  • E-mail ID: yestouch@yesbank.in

  • Toll-free Number: 1800 1200 (8 am to 8 pm)

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Frequently Asked Questions

How to check YES BANK Personal Loan status?

To check your personal loan status, call the toll-free customer care helpline number at 1800 1200. Alternatively, you can also send an email to yestouch@yesbank.in to enquire about the loan status.

What is the Personal loan amount that I can borrow from YES BANK?

You can get a personal loan of up to ₹50 Lakhs from YES BANK.

How is the applicable interest rate decided on YES BANK Personal Loan?

Your age, income, CIBIL score and other active loans on your credit report help determine the interest rate charged by YES BANK on your personal loan.

Can I foreclose my personal loan from YES BANK?

Yes, you can foreclose after you have paid 12 EMIs. However, be aware that the bank may levy nominal foreclosure charges on the outstanding principal amount.

What is the ideal credit score required to secure a personal loan from YES BANK?

While a good credit score of 750 and above can help in easy loan approval, scores above 700 may also be acceptable.

How to contact YES BANK Personal Loan customer care?

Reach out to YES BANK’s customer care team through the following mediums:

  • Toll-free Number: 1800 1200 (8 am to 8 pm)

  • E-mail ID: yestouch@yesbank.in

How long does it take to process a YES BANK Personal Loan?

Generally, your personal loan application is processed within 5 days from the date of receipt by YES BANK.

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