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

YES BANK offers personal loans at interest rate starting at 10.99% p.a., you can get the funds you need on affordable terms. What’s more, availing this personal loan is easy since you need only submit basic paperwork. As such, you get funds easily and without hassles. 


As one of the leading private sector banks in India, YES Bank has been consistently striving to serve its customers since 2004 through online and offline channels. It has also been recognised as one of the fastest growing banks by many prestigious firms. 


Among the various financial products from YES Bank, the personal loan is one of the most competitive products as it is offered at nominal interest rates. If you are looking to avail a YES Bank personal loan, you can get it instantly and easily at Bajaj Markets.  

Features And Benefits Of YES Bank Personal Loan

  • Flexible Loans: When you opt for a personal loan from YES Bank, you can get a flexible repayment tenure from 12 months to 60 months. You can avail personal loans for amounts ranging from ₹1 Lakh to ₹50 Lakhs. With such attractive options, these loans are ideal to meet any expenses related to travel, home renovation, wedding and many more.

  • Customisable Repayment Options: This is one of the best features of a YES Bank personal loan. You get to choose the tenure according to your repayment capacity. Calculate your EMI beforehand using the personal loan EMI calculator to determine the EMIs to be paid across tenures. Choose a suitable repayment schedule based on the EMI and manage your monthly budget with ease. 

  • Quick Approval: With a YES Bank personal loan, you don’t have to wait for days to get approval. Submit the required documents for a speedy approval of your personal loan. Post approval, your funds get credited in your bank account within hours. 

  • No Collateral Needed: As it is an unsecured loan type, there is no need to pledge your valuable assets such as property or gold ornaments to avail the loan.

  • Attractive Interest Rates: The personal loan interest rate is the major factor for applicants. YES bank offers personal loans the most competitive rates in the market. YES Bank personal loan interest rates starts from as low as 10.99% per annum. 

  • Easy Application Process: You can apply online for a YES Bank personal loan in just a few minutes. You may even find deals for such loans on Bajaj Markets.

YES Bank Personal Loan Interest Rates And Charges

The table below summarises the interest rate and various other charges applicable on YES BANK personal loans. Take a quick look at it to understand more about its features.


Interest Rate

Starting from 10.99% per annum

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% (plus applicable taxes) is charged on the part-payment amount paid.

Charges for foreclosure of loan

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 rate and other charges are subject to change. Please check with the lender before applying.

YES BANK Personal Loan Eligibility Criteria

  • The age of the applicant must be between 21 and 60 years.

  • The applicant must be a salaried individual working in a public sector or private sector organisation.

  • The applicant must be earning 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.

  • The applicant needs to have a good credit score of above 700 for easy loan approval

Documents Required for YES BANK Personal Loan

Make sure to submit the following documents when applying for a YES BANK personal loan:

  • Identity Proof: Voter’s ID/Aadhaar/PAN cards, passport, etc.

  • Address Proof: Aadhaar card, driving licence, Voter’s ID, passport, utility bills, rent agreement, etc.

  • Proof of Income: Latest salary slips (usually last three months’ salary slips are required) or income tax return certificate or latest Form 16.

  • Loan application form filled in with all particulars

YES BANK Personal Loan EMI Calculation

Your personal loan EMI depends upon vital factors such as the principal amount borrowed, the rate of interest levied by the bank, and the loan tenure. You can apply the simple formula to calculate your personal loan EMIs:


** The above charges are excluding taxes
* Placeholder for disclaimers on Interest and Charges page
 **These are indicative and subject to change at the discretion of lender/ without prior notice.

Do note that it is possible to calculate your EMIs manually. The process is cumbersome and can lead to errors, which is why you should use the free online EMI calculator. You can estimate your EMIs using this online calculator available on Bajaj Markets. 

How to Apply for YES Bank Personal Loan

Applying for a YES BANK personal loan at Bajaj Markets is simple and easy, and can be done within minutes. All you need to do is follow the steps mentioned below:

  • Step 1: Enter your particulars: Visit the personal loan page on the Bajaj Markets website, then click on “Apply Now”, and enter your personal and professional details.

  • Step 2: Select Your Lending Partner: Select YES Bank as your lender of choice from the list of personal loan partners. 

  • Step 3: Specify Loan Details: Select the loan amount and repayment tenure as per your requirement.

  • Step 4: Approval & Disbursal: Depending upon your eligibility, your loan will be approved instantly and the loan amount will also be credited to your bank account within 24 hours.

Why to Select YES Bank Personal Loan?

The primary benefits are that you get fast and easy approval on the loan. Check for your loan eligibility within seconds and get the funds credited to your account within 24 hours after approval. 

With flexible repayment tenures from 12-60 months and attractive interest rates starting at 10.99% p.a., the YES Bank personal loan is a smart choice. A few other features of availing this loan are its doorstep banking, mobile banking, and other customer-centric options. 

Types of YES Bank Personal Loans

You can avail a personal loan for a variety of purposes. Here’s a list of different types of YES BANK personal loans.

  • YES Bank Personal Loan for Holidays:

Have you been wanting to go on a vacation or a holiday to your dream destination for a long time but never had enough funds to plan it? In that case, you may apply for a YES Bank personal loan right now. The travel loan can help you cover a wide range of travelling expenses including transportation and hotel stay expenses that you’re likely to incur during your holiday.

  • YES Bank Personal Loan for Weddings

A wedding is one of the biggest milestones in a person’s life that symbolises a fresh start in your life. Apply for a wedding loan offered by YES Bank to make sure that you enjoy the festivities without having to worry about funds.

  • YES Bank Personal Loan for Renovations

If funds are stopping you from renovating your home, here is an ideal solution for you. With an online personal loan from YES Bank available on Bajaj Markets, you can transform your house to your dream home in no time.

YES Bank Customer Care Details

YES Bank offers customer support over telephone, SMS, and email. You may refer to the table below for details:

Toll-Free Number

1800 1200

SMS Support

Type ‘HELP’ space <Customer ID> and send it to +91 95522 20020

Email Address


FAQs on YES Bank Personal Loan

  • ✔️How can I get a personal loan from YES Bank?

    You can apply for a YES BANK personal loan at Bajaj Markets. All you need to do is visit the personal loan page on the Bajaj Markets website, fill in your details and choose YES BANK while selecting the lending partner.

  • ✔️How long will it take to process my YES Bank personal loan application?

    If you fulfil the bank’s eligibility criteria, your YES Bank personal loan application is approved instantly and the loan amount is credited to your bank account within 24 hours of approval.

  • ✔️How to check YES Bank Personal Loan status?

    To check the YES BANK personal loan status, all you need to do is call the toll-free customer care helpline number of YES Bank at 1800 1200. Alternatively, you can also send an email to yestouch@yesbank.in to enquire about the loan status

  • ✔️What is the loan amount that I can avail?

    You can avail a personal loan of amounts up to ₹50 lakhs from YES Bank.

  • ✔️Can I check my YES Bank personal loan statement online?

    Yes, you can check your YES BANK personal loan statement on the bank’s portal using your NetBanking ID and password

  • ✔️How can I receive my repayment schedule?

    The repayment schedule for your YES BANK personal loan will be sent to you through email. Alternatively, you can also check it by logging into the YES Bank NetBanking portal using the user credentials given to you.

  • ✔️How is the applicable interest rate decided?

    The interest applicable on your YES BANK personal loan depends on a number of factors including your age, income, CIBIL score and other active loans on your credit report.

  • ✔️Can I foreclose my YES BANK personal loan?

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

  • ✔️Is there an option to choose between floating and fixed interest rates?

    No, YES BANK offers only fixed rates for all personal loans.

  • ✔️What is the ideal credit score required before availing a YES BANK personal loan?

    While a good credit score of 750 and above can help in easy loan approval, scores above 700 may also be acceptable. However, this depends on the bank and your financial profile.