YES Bank offers personal Loan start from Rs. 1 Lakh to Rs. 50 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. Use Personal Loan EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure. Apply for Personal Loans in Delhi-NCR online with LoanMoney to avail lowest interest rates and quick approval.
| Salaried | Self Employed | Professional | |
|---|---|---|---|
| Age | 21 To 60 Years | 25 | 23 |
| Loan Amount | Upto 50 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 10.45% 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 | 7999% 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 |
|
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:
| 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 50 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 10.45% onwards To Max 16% |
| Loan Processing Charges | Rs. 7999/- to 2% + GST |
| Cheque Bounce Charges | NA |
| Cheque/ Instrument Swap charges | NA |
| Prepayment/ Foreclosure Charges | Nil Forclosure charges applicable if loan amount >7.50 lacs & <7.50 lacs - 13 - 24 Months - 4% of Principal Outstanding, 25 - 36 Months - 2% of Principal Outstanding >36 Months - 1% of Principal Outstanding |
| Default Interest Rate | NA |
| Duplicate Statement Issuance Charges | NA |
| Duplicate Amortization Schedule Charges | NA |
| Duplicate Interest Certificate | NA |
| S(Provisional/ Actual) issuance Charges | NA |
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.
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