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YES Bank Personal Loan

YES Bank offers personal Loan start from Rs. 1 Lakh to Rs. 40 Lakh at attractive interest rates for repayment tenure ranging from 12-60 months. Personal Loan is also known as an Unsecured Loan, where the borrowers do not have to guarantee any property against the loan. Personal Loan is usually a medium-term solution for managing your finances and can be used to help with expenses related to exotic travel plans, wedding, medical emergency, home renovation, amongst others. Moreover, it can be used for various purposes, taking a long vacation or planning to renovate your house, a Personal Loan from YES Bank can be the best option to do so. 

Personal Loan is a ‘small expense’ loan in which money has been borrowed from a bank or NBFCs to satisfy personal needs and day-to-day emergencies. The evaluation criteria for approving such Loan include net monthly income, credit history or CIBIL score, employment status, capacity for repayment, amongst others.

  Salaried Self Employed Professional
Age 21 To 60 Years 25 23
Loan Amount Upto 30 Lacs Upto 50 Lacs upto 50 Lacs
Tenure  24 To 60 Months 12 To 36 Months 12 To 48 Months
Rate of Interest / APR [Annual Percentage Rate] From 10.99% To Max 16% Overdraft 19% Normal 18% NA
Features Transfer your Existing Personal Loan Transfer your Existing Personal Loan Transfer your Existing Personal Loan
Processing Fees 0.99% to 2% + GST 2% of Loan Amount Plus Service Tax 2 %
Special Priority to Govt Employees Unsecured Overdraft- Pay Interest when used Normal or Overdraft
Documentation Salary Slips/ Address proof/ Identity proof PAN Card Balance Sheet & ITR 3 yrs ITR and Banking
Eligibility
  • Based on Net Take Home Salary 60% can be paid as Per Month EMI [Average EMI is 2600/- Per Lac]
  • Repayment of Total amount [Illustrative] on Rs. 1 Lac loan on @14% with processing Fees for 60 Months comes to Rs. Rs. 1.41 Lacs

As Per Financials

As Per Gross Receipts to Doctors, CA's, CS's, Architect

The following people are eligible to Apply for YES Bank Personal Loan:

  • Salaried Doctors, CAs, salaried employees of MNC, Private Ltd., Public sector undertakings, including central, state and local bodies
  • Salaried Individuals between 21 and 60 years of age
  • Salaried Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer.
  • Those who earn a minimum of Rs. 25,000 net income per month.
Particulars Salaried Self Employed Professional
Age(Min-Max) 21 To 60 Years 25 23
Minimum Income Min. Rs. 25,000/- Monthly NA NA
Co-applicant NA NA NA
Loan Tenure 12 To 60 Months 12 To 36 Months 12 To 48 Months
Maximum Loan Amount Upto 30 Lacs Upto 50 Lacs Upto 50 Lacs
Employment/Business Continuity NA NA NA
CIBIL Score Above 700 NA NA

Application Form with 2 Passport Size Photo

Identity Proof: Aadhaar Card, PAN Card, Valid Passport, Voter ID Card, Driving License

Address (Residence) Proof: Voter ID Card, Aadhaar Card, Ration Card, Valid Passport, Telephone/Electricity Bill, Lease Deed/ Rent agreement Copy/ Property Registration Document in the name of the Customer

Last 3 Months Bank Statement of Salary Account

3 Months Latest Salary Slip

Form 16 / Office I-Card

Fee Amount to be Paid
Rate of Interest From 10.99% onwards To Max 16%
Loan Processing Charges 0.99% to 2% + GST
Cheque Bounce Charges NA
Cheque/ Instrument Swap charges NA
Prepayment/ Foreclosure Charges 4%
Default Interest Rate NA
Duplicate Statement Issuance Charges NA
Duplicate Amortization Schedule Charges NA
Duplicate Interest Certificate NA
S(Provisional/ Actual) issuance Charges NA

Benefits of YES Bank Personal Loan

  • Loan available for Salaried Individual.
  • Borrowers within the age group of 21 and 60 years.
  • Loan amount of minimum Rs. 2 Lakh to Rs. 40 Lakh.
  • Loan Tenure 12 to 60 months.
  • Yes Bank Personal Loan rate of interest is in the range of 10.99% to 20.00%.
  • Lowest EMI of ₹ 2,174 per lakh.

About YES Bank Personal Loan

YES Bank is one of India's leading banking and financial services group, offering a wide range of financial services that encompass every sphere of life. YES Bank is a one-stop-shop for all banking needs. The bank offers personal finance solutions of every kind from savings accounts to credit cards, distribution of mutual funds to life insurance products.

YES Bank offers transaction banking, operates lending verticals, manages IPOs and provides working capital loans. YES Bank has one of the largest and most respected Wealth Management teams in India, providing the widest range of solutions to high net worth individuals, entrepreneurs, business families and employed professionals.

Since the inception of the erstwhile YES Bank Limited in 1985, it has been a steady and confident journey leading to growth and success. YES Bank Ltd. (KMFL), the group's flagship company, receives a banking license from the Reserve Bank of India (RBI). With this, KMFL becomes the first non-banking finance company in India to be converted into a commercial bank - YES Bank Ltd.

Feature & Benefits of YES Bank Personal Loan

  • Collateral-free: Personal Loan is Unsecured Loan, it doesn't need any security or assets.
  • Maximum Loan Amount: YES BANK offers customers personal Loan for Rs. 1 Lakh to Rs. 30 Lakh at Best interest rates.
  • Attractive Interest Rates: YES Bank offers loan at attractive Rate of Interest starting from 10.99% to 16%.
  • Processing Fees: Starting at 0.99%, Up to 2%.
  • Flexibility Repayment Options: You can calculate the EMI through LoanMoney EMI Calculator. You can quickly determine the EMI you would be required to pay across various tenure starts from 1 year to 5 years and choose a repayment option that suits you the best.
  • Quick disbursal of loan funds: YES Bank Personal Loan has been processed and approved, your funds will be disbursed in 3 to 5 working days.
  • Transfer Existing Loan: Borrower also has the option of transferring their high-cost personal Loan from other banks or NBFCs at the Lowest Rate of Interest. 
  • Top-up Loan: You can also get additional Top-up funding to add on to the loan during the same tenure.
  • Part pre-payment option: You has the option to choose to part pre-pay your YES Bank Personal Loan after 12 EMIs.
  • Doorstep Services: LoanMoney provides you with doorstep services. When online applying for a YES Bank Personal Loan through LoanMoney, Our representative will visit your home or office for completion of the application form as well as the documentation pick-up for Personal Loan.

Advantages for Customer

  • Instant Loan Approval up to 40 Lacs
  • Attractive Rate of Interest
  • Flexible Repayment Options
  • Simple & Easy Documentation
  • No security or collateral required
  • Hassle-free Application Process
  • Doorstep Service ( Document Pick-up facility)
segmentation

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.


  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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