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Personal, home, vehicle & other loans

YES Bank Personal Loan

Unsecured personal borrowing from ₹50,000 to ₹50 lakh, with a published annual rate range of 10.85%–21% and repayment over 12–72 months.

Interest rate10.85%–21% p.a.Maximum loan amount₹50 lakhRepayment tenure12–72 months
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Quick eligibility check

YES Bank Personal Loan

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: ₹25,000 stable monthly income?

Published source: Minimum monthly income

2Do you meet this requirement: 21–60 years?

Published source: Applicant age

3Are you this type of customer: Salaried employees in private or public enterprises?

Published source: Employment requirement

4Do you meet this requirement: the FAQ specifies Indian citizens whose employment is regular or fixed?

Published source: Employment requirement

5Does your annual income meet this requirement: latest 3 months' salary slips and bank statements?

Published source: Documents listed for application

6Document checkDo you have at least one of these required documents: Government-issued photo identity proof (the page gives Aadhaar, passport or driving licence as examples)?

Published source: Documents listed for application

7Document checkDo you have at least one of these required documents: Address proof (the page gives recent utility bills or a rental agreement as examples)?

Published source: Documents listed for application

8Document checkDo you have this required document or proof: Latest 3 months' salary slips?

Published source: Documents listed for application

9Document checkDo you have this required document or proof: Latest 3 months' bank statements?

Published source: Documents listed for application
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Oct 2026 · active
Offered byYES Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeUnsecured personal loan for salaried applicants.View source
The page describes a personal loan as unsecured and says no collateral is required.
Source
Personal Loan — YES BANK
Page / section
Product description; on unsecured loans
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Minimum loan amount₹50,000View source
The page states a minimum loan amount of INR 50,000.
Source
Personal Loan — YES BANK
Page / section
: minimum and maximum loan amount
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Maximum loan amount₹50 lakhView source
The page states a maximum loan amount of INR 50,00,000, subject to the Bank's credit policy.
Source
Personal Loan — YES BANK
Page / section
: minimum and maximum loan amount
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Interest rate10.85%–21% p.a.View source
The current product page publishes a rate between 10.85% and 21% per annum; final eligibility and offer remain subject to bank policy.
Source
Personal Loan — YES BANK
Page / section
Personal Loan Interest Rates and Charges
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Repayment tenure12–72 monthsView source
The page states that personal-loan repayment tenure ranges from 12 to 72 months.
Source
Personal Loan — YES BANK
Page / section
: personal-loan repayment tenure
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Minimum monthly income₹25,000 stable monthly incomeView source
The page states stable monthly income of ₹25,000; the says individual eligibility also follows Bank credit policy.
Source
Personal Loan — YES BANK
Page / section
Personal Loan Eligibility Criteria; salaried-applicant
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Applicant age21–60 yearsView source
The page states an applicant age range of 21 to 60 years.
Source
Personal Loan — YES BANK
Page / section
Personal Loan Eligibility Criteria
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Employment requirementSalaried employees in private or public enterprises; the FAQ specifies Indian citizens whose employment is regular or fixed.View source
The main eligibility list says salaried employees in a private or public enterprise; the specifies regular or fixed employment for Indian citizens.
Source
Personal Loan — YES BANK
Page / section
Eligibility criteria and : eligibility and documents
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Processing feeUp to 2.5% of loan proceedsView source
The current product page states processing fees up to 2.5% of loan proceeds.
Source
Personal Loan — YES BANK
Page / section
Personal Loan Interest Rates and Charges table
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Stamp duty and statutory chargesAs per applicable state lawsView source
The page says stamp duty and other statutory charges follow applicable state laws.
Source
Personal Loan — YES BANK
Page / section
Personal Loan Interest Rates and Charges table
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Foreclosure timingAvailable after 12 EMIs; applicable charges apply.View source
The page says foreclosure can be availed with applicable charges after successfully paying 12 ; linked agreements/charges remain to be reviewed.
Source
Personal Loan — YES BANK
Page / section
: prepayment and foreclosure
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Permitted useAny legitimate purpose except speculative purposes.View source
The page says there are no end-use restrictions for legitimate purposes but the proceeds cannot be used for speculative purposes.
Source
Personal Loan — YES BANK
Page / section
: permitted use
Accessed
1 Oct 2026
Confidence
high
Open official source ↗
Documents listed for applicationGovernment photo ID; address proof; latest 3 months' salary slips and bank statements; recent passport-sized photographs.View source
The page also says and income documents are mandatory and additional documents may be requested case by case.
Source
Personal Loan — YES BANK
Page / section
Documents Required for a Personal Loan
Accessed
1 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Loan amounts from ₹50,000 to ₹50 lakh
  • Published interest range of 10.85%–21% p.a.
  • Repayment tenure of 12–72 months
  • Unsecured; no collateral required
  • Foreclosure available after 12 , with applicable charges

Eligibility

  • Salaried in a private or public enterprise; published age 21–60 years; stable monthly income of ₹25,000; excellent credit history and a high score are preferred. The page says eligibility can differ under bank policy.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Government-issued photo identity proof (the page gives Aadhaar, passport or driving licence as examples)
  • Address proof (the page gives recent utility bills or a rental agreement as examples)
  • Latest 3 months' salary slips
  • Latest 3 months' bank statements
  • Recent passport-sized photographs

Related official documents

Personal Loan — YES BANK official product pageofficial-product-page · current-page-reviewed · accessed 1 Oct 2026
↗
Retail Loans Interest Rates — quarter ended June 2026official-quarterly-origination-rate-and-apr-pdf · all-text-reviewed-image-fetch-blocked-stale-q2 · accessed 1 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹25,550twenty-five thousand five hundred fifty rupees
Interest paid over the full loan₹36,31,998thirty-six lakh thirty-one thousand nine hundred ninety-eight rupees
Everything you repay₹61,31,998sixty-one lakh thirty-one thousand nine hundred ninety-eight rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Interest rate · Published valueBetween 10.85% and 21% per annum

This value is copied from Personal-loan rate and published charges. Check the table notes before relying on it.

Source: Personal Loan — YES BANK · Personal Loan Interest Rates and Charges Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 2 columnsPersonal-loan rate and published chargesThe current product page's complete three-row rate and charge table.View tableHide table

Scroll sideways to view every column

Personal-loan rate and published charges
ItemPublished value
Interest rateBetween 10.85% and 21% per annum
Processing feesUp to 2.5% of loan proceeds
Stamp duty and other statutory chargesAs per applicable state laws
  • Personalized offer and approval remain subject to YES BANK policy. The page does not give the exact foreclosure amount in this table.
Personal Loan — YES BANK · Personal Loan Interest Rates and Charges · accessed 1 Oct 2026Open official source ↗

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