YES Bank Personal Loan 2026
YES Bank offers personal loans from ₹1 lakh to ₹50 lakh with tenures up to 6 years. Interest rate 10.85% – 21.00%, loan ₹1 lakh – ₹50 lakh, tenure 12 – 72 months.
Rates as of 2026 (aggregator, no exact date) · Checked 30 September 2026YES Bank Personal Loan at a glance
- High maximum loan (₹50 lakh)
- Tenure up to 72 months
- No part-prepayment in the first 12 EMIs
- Foreclosure charge up to 4%
- Rates not confirmed on an official page
YES Bank personal loan interest rate & charges
| Feature | YES Bank |
|---|---|
| Interest rate | 10.85% – 21.00% |
| Rate details | 10.85% – 21% p.a. per BankBazaar (2026); the bank’s official rate page could not be retrieved. |
| Processing fee | Up to 2.5% of loan |
| Loan amount | ₹1 lakh – ₹50 lakh |
| Tenure | 12 – 72 months |
| Prepayment / foreclosure | Foreclosure up to 4% of outstanding principal; part-prepayment allowed after 12 EMIs |
| Part-prepayment | Allowed only after 12 EMIs |
Source: www.bankbazaar.com, 2026 (aggregator, no exact date). Rates are indicative; your rate depends on your profile. Always check the Key Facts Statement (KFS) for the APR before signing.
EMI at YES Bank’s rates
| Loan amount | EMI @ 10.85% | EMI @ 15.93% | EMI @ 21.00% |
|---|---|---|---|
| ₹2,00,000 | ₹4,334 | ₹4,856 | ₹5,411 |
| ₹5,00,000 | ₹10,834 | ₹12,140 | ₹13,527 |
| ₹10,00,000 | ₹21,668 | ₹24,281 | ₹27,053 |
Tenure 5 years, reducing-balance method. Total interest on ₹5,00,000 at 10.85%: ₹1,50,031.
YES Bank personal loan EMI calculator
Eligibility
- Age typically 21 – 60 years for salaried borrowers (loan must end before retirement at many banks)
- Minimum net monthly income of about ₹15,000 – ₹30,000 depending on lender and employer category
- Credit score of about 710 – 750 or higher for the best rates
- At least 1 year of continuous employment or business (e.g. Bank of Baroda)
- Total EMIs, including the new loan, usually within 40% – 55% of net income (FOIR)
Documents required
- Identity proof: PAN (mandatory) plus Aadhaar, passport, voter ID or driving licence
- Address proof if different from ID
- Salaried: last 3 months’ salary slips, 3 – 6 months’ salary-account statement, Form 16 or latest ITR
- Self-employed: last 2 – 3 years’ ITR with computation of income, audited financials where applicable, 6 – 12 months’ bank statements, business registration (GST, Udyam, shop licence)
- Passport-size photograph (branch applications)
- Existing lenders’ sanction letters or statements if you are consolidating or transferring a loan
How to apply for YES Bank Personal Loan
- Check your credit reportDownload your free report, fix errors and see what rate band you fall in.
- Compare offersCompare APR in the Key Facts Statement, fees and foreclosure terms — not just the headline rate.
- Apply on the lender’s own app, website or branchUse the bank’s official channels or its listed lending partners; never pay anyone a fee to “get the loan approved”.
- KYC and verificationAadhaar/PAN-based e-KYC or video KYC; income is verified from payslips, bank statements or account aggregator data.
- Sign KFS and agreementCheck APR, EMI schedule, foreclosure charge, penal charges and cooling-off period before e-signing.
- DisbursalMoney is credited directly to your bank account by the lender — never through a third party’s account.
YES Bank vs other lenders
| Lender | Rate | Processing fee | Tenure | EMI on ₹5,00,000 |
|---|---|---|---|---|
| Axis Bank Personal Loan | 9.99% – 21.55% | Up to 2% of loan + GST | 12 – 84 months | ₹10,621 |
| HDFC Bank Personal Loan | 9.99% – 24.00% | Up to ₹6,500 + GST | 12 – 60 months (up to 72–84 months for select segments) | ₹10,621 |
| ICICI Bank Personal Loan | 9.99% – 16.50% | Up to 2% of loan + GST | — | ₹10,621 |
| IDFC FIRST Bank Personal Loan (FIRSTmoney) | 9.99% onwards | 0% – 3.5% of loan (incl. GST); zero on select amounts | 9 – 60 months | ₹10,621 |
| SBI Personal Loan (Xpress Credit) | 10.00% – 15.00% | 1.50% of loan (min ₹1,000, max ₹15,000) + GST | 6 – 84 months | ₹10,624 |
| Bank of Baroda Personal Loan | 10.15% – 17.50% | Nil for government employees with BoB salary account; others 1% – 2% + GST (min ₹1,000, max ₹10,000) | Up to 84 months (salaried); 48 – 60 months (non-salaried) | ₹10,660 |
| YES Bank Personal Loan | 10.85% – 21.00% | Up to 2.5% of loan | 12 – 72 months | ₹10,834 |
| Kotak Mahindra Bank Personal Loan | 10.99% onwards | Up to 5% of loan + GST | 12 – 72 months | ₹10,869 |
Frequently asked questions
What is the YES Bank Personal Loan personal loan interest rate?
YES Bank personal loan rates start at 10.85% and go up to 21.00% p.a. (as of 2026 (aggregator, no exact date)). The rate you get depends on your credit score, income and loan details.
What is the EMI for ₹5,00,000 from YES Bank?
At 10.85% for 5 years the EMI is about ₹10,834, with total interest of ₹1,50,031.
What is the processing fee?
YES Bank: Up to 2.5% of loan. GST at 18% applies on fees.
What is the maximum tenure?
YES Bank: 12 – 72 months.
Can I prepay or foreclose the loan?
YES Bank: Foreclosure up to 4% of outstanding principal; part-prepayment allowed after 12 EMIs.
Information compiled from the lender’s published rates and reputable aggregators for comparison only. FinancePortal is not affiliated with YES Bank Personal Loan. Terms change — confirm with the lender.