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 2.75% 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.

Yes Bank Personal Loan EMI Calculator

Loan Amount
₹ 1 K
₹ 50 K
₹ 5 L
₹ 50 L
Tenure
Months
6 M
33 M
60 M
Rate of Interest
12.50%
21.25%
30.00%
Personal Loan
Your Monthly Personal Loan EMI
₹1,12,489.69
Principal Amount
₹50,00,000
Total Interest
₹17,49,381.47
Total Amount Payable
₹67,49,381.47
Amortization Schedule
Download Amortization Schedule Download
Expand Amortization Schedule
Year Payable Amount Principal Interest Balance
2025 ₹ 10,12,410 ₹ 5,66,869 ₹ 4,45,538 ₹ 44,33,131
Apr₹ 1,12,490₹ 60,406₹ 52,083₹ 49,39,594
May₹ 1,12,490₹ 61,036₹ 51,454₹ 48,78,558
Jun₹ 1,12,490₹ 61,671₹ 50,818₹ 48,16,887
Jul₹ 1,12,490₹ 62,314₹ 50,176₹ 47,54,573
Aug₹ 1,12,490₹ 62,963₹ 49,527₹ 46,91,610
Sep₹ 1,12,490₹ 63,619₹ 48,871₹ 46,27,991
Oct₹ 1,12,490₹ 64,281₹ 48,208₹ 45,63,710
Nov₹ 1,12,490₹ 64,951₹ 47,539₹ 44,98,759
Dec₹ 1,12,490₹ 65,628₹ 46,862₹ 44,33,131
2026 ₹ 13,49,880 ₹ 8,42,945 ₹ 5,06,933 ₹ 35,90,187
Jan₹ 1,12,490₹ 66,311₹ 46,178₹ 43,66,820
Feb₹ 1,12,490₹ 67,002₹ 45,488₹ 42,99,818
Mar₹ 1,12,490₹ 67,700₹ 44,790₹ 42,32,118
Apr₹ 1,12,490₹ 68,405₹ 44,085₹ 41,63,713
May₹ 1,12,490₹ 69,118₹ 43,372₹ 40,94,595
Jun₹ 1,12,490₹ 69,838₹ 42,652₹ 40,24,758
Jul₹ 1,12,490₹ 70,565₹ 41,925₹ 39,54,192
Aug₹ 1,12,490₹ 71,300₹ 41,190₹ 38,82,892
Sep₹ 1,12,490₹ 72,043₹ 40,447₹ 38,10,849
Oct₹ 1,12,490₹ 72,793₹ 39,696₹ 37,38,056
Nov₹ 1,12,490₹ 73,552₹ 38,938₹ 36,64,504
Dec₹ 1,12,490₹ 74,318₹ 38,172₹ 35,90,187
2027 ₹ 13,49,880 ₹ 9,54,563 ₹ 3,95,313 ₹ 26,35,623
Jan₹ 1,12,490₹ 75,092₹ 37,398₹ 35,15,095
Feb₹ 1,12,490₹ 75,874₹ 36,616₹ 34,39,221
Mar₹ 1,12,490₹ 76,664₹ 35,825₹ 33,62,556
Apr₹ 1,12,490₹ 77,463₹ 35,027₹ 32,85,093
May₹ 1,12,490₹ 78,270₹ 34,220₹ 32,06,823
Jun₹ 1,12,490₹ 79,085₹ 33,404₹ 31,27,738
Jul₹ 1,12,490₹ 79,909₹ 32,581₹ 30,47,829
Aug₹ 1,12,490₹ 80,741₹ 31,748₹ 29,67,087
Sep₹ 1,12,490₹ 81,583₹ 30,907₹ 28,85,505
Oct₹ 1,12,490₹ 82,432₹ 30,057₹ 28,03,072
Nov₹ 1,12,490₹ 83,291₹ 29,199₹ 27,19,781
Dec₹ 1,12,490₹ 84,159₹ 28,331₹ 26,35,623
2028 ₹ 13,49,880 ₹ 10,80,962 ₹ 2,68,913 ₹ 15,54,659
Jan₹ 1,12,490₹ 85,035₹ 27,454₹ 25,50,587
Feb₹ 1,12,490₹ 85,921₹ 26,569₹ 24,64,666
Mar₹ 1,12,490₹ 86,816₹ 25,674₹ 23,77,850
Apr₹ 1,12,490₹ 87,720₹ 24,769₹ 22,90,130
May₹ 1,12,490₹ 88,634₹ 23,856₹ 22,01,496
Jun₹ 1,12,490₹ 89,557₹ 22,932₹ 21,11,938
Jul₹ 1,12,490₹ 90,490₹ 21,999₹ 20,21,448
Aug₹ 1,12,490₹ 91,433₹ 21,057₹ 19,30,015
Sep₹ 1,12,490₹ 92,385₹ 20,104₹ 18,37,630
Oct₹ 1,12,490₹ 93,348₹ 19,142₹ 17,44,282
Nov₹ 1,12,490₹ 94,320₹ 18,170₹ 16,49,962
Dec₹ 1,12,490₹ 95,303₹ 17,187₹ 15,54,659
2029 ₹ 13,49,880 ₹ 12,24,100 ₹ 1,25,776 ₹ 3,30,559
Jan₹ 1,12,490₹ 96,295₹ 16,194₹ 14,58,364
Feb₹ 1,12,490₹ 97,298₹ 15,191₹ 13,61,065
Mar₹ 1,12,490₹ 98,312₹ 14,178₹ 12,62,753
Apr₹ 1,12,490₹ 99,336₹ 13,154₹ 11,63,417
May₹ 1,12,490₹ 1,00,371₹ 12,119₹ 10,63,047
Jun₹ 1,12,490₹ 1,01,416₹ 11,073₹ 9,61,630
Jul₹ 1,12,490₹ 1,02,473₹ 10,017₹ 8,59,158
Aug₹ 1,12,490₹ 1,03,540₹ 8,950₹ 7,55,618
Sep₹ 1,12,490₹ 1,04,619₹ 7,871₹ 6,50,999
Oct₹ 1,12,490₹ 1,05,708₹ 6,781₹ 5,45,290
Nov₹ 1,12,490₹ 1,06,810₹ 5,680₹ 4,38,481
Dec₹ 1,12,490₹ 1,07,922₹ 4,568₹ 3,30,559
2030 ₹ 3,37,470 ₹ 3,30,558 ₹ 6,910 ₹ 0
Jan₹ 1,12,490₹ 1,09,046₹ 3,443₹ 2,21,512
Feb₹ 1,12,490₹ 1,10,182₹ 2,307₹ 1,11,330
Mar₹ 1,12,490₹ 1,11,330₹ 1,160₹ 0

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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