Our Products
Loans
Cards
Insurance
Investment
Stock Market
Electronics Mall
CIBIL Score
Knowledge Centre
Calculators
Our Services
My Account
Do not call
En
Understand repayment options to manage your YES BANK Personal Loan effectively.
YES Bank personal loans help individuals meet a wide range of personal requirements, without placing restrictions on how the funds are used. It also allows borrowers with existing personal loans from other banks or NBFCs to shift their loans to YES Bank through a balance transfer option, often at comparatively lower personal loan interest rates.
YES Bank instant personal loan facilitates easy repayment methods for borrowers. Borrowers can scrutinise the different YES Bank loan repayment options to choose the appropriate one for themselves.
YES Bank loan payment methods include: online and offline modes. To facilitate your YES Bank loan payment online, you can use the following methods :
YES Bank Net Banking: Log into your YES Bank internet banking, go to ‘Payments’, select ‘Loan Repayment’, enter your loan account number, and pay via account debit.
YES Pay Portal: Visit yes.bank.in/pay-loans, input your loan account number twice, add payment details (UPI, net banking, or card), confirm, and get instant receipt.
Bharat Bill Payment System (BBPS): Use authorised apps; search for YES Bank loan, enter account number, and pay via UPI, card, or wallet. %$$YES BankName$$% offers support for YES Bank loan repayment online.
ECS/Auto Debit: Set up standing instructions from your linked bank account for automatic EMI deduction each month.
Mobile App: Open YES Bank app, navigate to "Loan Payments," select personal loan, verify details, and complete payment securely.
Apart from making an online loan payment with YES Bank, you can also opt for offline methods, through the following steps:
Branch Visit: Carry your loan account statement to any YES Bank branch, deposit cash/cheque, and get a stamped receipt.
Post-Dated Cheques (PDCs): Submit cheques at loan disbursement or branch for scheduled EMI collection.
Demand Draft (DD): Generate a DD in favor of YES Bank from any bank and submit it at the nearest branch.
YES Bank’s loan repayment EMI and payment structure can be calculated based on the following formula:
EMI = [P × R × (1+R)^N] / [(1+R)^N - 1]
Where,
P = Principal loan amount
R = Monthly interest rate (annual rate ÷ 12)
N = Loan tenure in months
For example,
If you borrow ₹4 Lakh for 2 years at 10% p.a, then
P = ₹4 Lakh
R = 0.83% (annual rate ÷ 12)
N = 24
Then, EMI will be ₹18,458 each month.
To calculate personal loan EMI in a simpler way, use the YES Bank Personal Loan EMI calculator. Here, you need to insert the Loan amount, approved interest rate, and chosen tenure, to instantly calculate your EMI amount.
YES Bank loan repayment fees and charges include:
Late Payment Fees: Contractual interest rate applies on overdue amounts after a 30-day grace period, plus penal charges.
Failed Payment Charges: ₹750 fee applies each time a cheque bounces or ECS mandate fails.
Partial Prepayment Fee: 3% + GST on prepaid amount (available after 12 EMIs, limited to 20-25% of outstanding principal).
Full Loan Closure Fee: 4% down to 0% of remaining principal (decreases with tenure: 4% after 13-24 months, nil after 48 months).
Document/Statement Fee: ₹750 for requesting loan statements, schedules, or closure certificates.
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.
| Disclaimer | Description |
|---|---|
Rates Subject to Change |
Interest rates and charges may vary based on RBI guidelines, borrower profile, and market conditions. |
Loan-Specific Terms |
All fees, prepayment, and foreclosure charges apply as per your individual loan agreement. |
GST Applicable |
All charges exclude 18% GST, which the bank adds separately on applicable fees. |
Minimum EMI Requirement |
Part prepayment/foreclosure allowed only after 12 EMIs; earlier requests attract penalties. |
No Guarantee on Savings |
Prepayment may not always reduce total interest due to foreclosure charges outweighing benefits. |
You can check your YES Bank loan statement using the official internet banking app, bank’s mobile app, or through statements sent via email. For internet banking and mobile apps, navigate to the ‘loans’ section and click on a personal loan account. Here, you can check the personal loan statement.
Log into YES Bank net banking or Iris app, navigate to ‘Loans’ section, and view transaction history with payment dates and amounts. Contact customer care for detailed statements if needed.
Pay via net banking, YES Pay portal, BBPS apps (Paytm/BillDesk), auto ECS debit, mobile app, branch visits, or post-dated cheques for flexibility.
Late payments attract penal interest after 30-day grace, plus bounce charges (₹750), affecting CIBIL score and future borrowing eligibility.
Access YES Pay portal or net banking, go to payment history under your loan account, select transaction, and download PDF receipt instantly.
Use net banking/Iris app under "Loans," call toll-free customer care (1800-1200), or check via registered email/SMS updates for approval/outstanding details.
Visit yes.bank.in/pay-loans, enter loan account number twice, choose UPI/net banking/card, verify captcha, and complete payment for instant confirmation.
Login to YES Bank net banking or app, select ‘Loan Details’ from dashboard to view balance, EMI schedule, tenure, and repayment history easily.
Academy 
