{"id":14539,"date":"2024-08-14T13:39:26","date_gmt":"2024-08-14T08:09:26","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=14539"},"modified":"2024-08-14T13:44:32","modified_gmt":"2024-08-14T08:14:32","slug":"yes-bank-personal-loans","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/","title":{"rendered":"YES Bank Personal Loans: Interest, Eligibility, Documentation"},"content":{"rendered":"\n<p>YES Bank personal loans are quick and easy to avail at competitive interest rates. The bank offers financial assistance to both existing and new customers. You can use the amount for various personal purposes like a holiday, wedding, medical expenses, education, or home construction. These can be repaid in easy EMIs. You can apply online or offline without pleading any collateral with the bank. To know more about features, eligibility, documentation, and application process, continue reading this blog.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-yes-bank-personal-loans\" data-level=\"2\">YES Bank Personal Loans<\/a><\/li><li><a href=\"#h-yes-bank-personal-loan-interest-rates-amp-charges\" data-level=\"2\">YES Bank Personal Loan Interest Rates &amp; Charges<\/a><\/li><li><a href=\"#h-eligibility-criteria\" data-level=\"2\">Eligibility Criteria<\/a><\/li><li><a href=\"#h-documents-required\" data-level=\"2\">Documents Required<\/a><\/li><li><a href=\"#h-how-to-apply-for-personal-loan-from-yes-bank-online\" data-level=\"2\">How to Apply for Personal Loan from YES Bank Online?<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-yes-bank-personal-loans\"><span id=\"yes-bank-personal-loans\">YES Bank Personal Loans<\/span><\/h2>\n\n\n\n<p>YES Bank personal loans are unsecured loans. These are offered up to INR 50 lakhs at interest rates starting from 10.49% p.a. The bank offers the lowest interest rates and a part-payment facility. A flexible repayment tenure of up to 72 months (6 years) is offered. By entering your application number after applying, you can check the application status of your YES Bank online loans.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>Maximum Loan Amount<\/td><td>Up to INR 50 lakhs<\/td><\/tr><tr><td>Interest Rates<\/td><td>10.49% p.a onwards<\/td><\/tr><tr><td>Repayment Tenure<\/td><td>72 months (6 years)<\/td><\/tr><tr><td>Minimum Salary<\/td><td>INR 25,000 per month<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check here all the major details about <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/personal-loan-and-tax-benefit\/\"><strong>Personal Loans and Tax Benefits<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-yes-bank-personal-loan-interest-rates-amp-charges\"><span id=\"yes-bank-personal-loan-interest-rates-charges\">YES Bank Personal Loan Interest Rates &amp; Charges<\/span><\/h2>\n\n\n\n<p>Personal loans from YES Bank are offered at competitive interest rates starting from 10.49% p.a. However, it may go up to 20% p.a. These are as lower than the interest rates on <a href=\"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-from-sbi\/\"><strong>personal loans from SBI<\/strong><\/a> and <a href=\"https:\/\/fly.finance\/blog\/personal-loan\/icici-bank-personal-loan\/\"><strong>ICICI Bank personal loans<\/strong><\/a>.<\/p>\n\n\n\n<p>This enables salaried and self-employed individuals to apply for cost-effective and affordable personal loans from YES Bank. The bank prioritizes transparency by clearly outlining processing fees and other charges. Check out the table for more details-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>Interest Rates<\/td><td>10.49% to 20% p.a<\/td><\/tr><tr><td>Processing Fees<\/td><td>Up to 2.5% of the loan amount<\/td><\/tr><tr><td>Repayment Mode Swap Charges<\/td><td>INR 750 per transaction<\/td><\/tr><tr><td>Loan Cancellation Charges<\/td><td>INR 1,000<\/td><\/tr><tr><td>Statement of Account Charges<\/td><td>INR 750<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria\"><span id=\"eligibility-criteria\">Eligibility Criteria<\/span><\/h2>\n\n\n\n<p>To be eligible for personal loans from YES Bank, you need to be a salaried employee with a minimum monthly salary of INR 25,000. Self-employed individuals and professionals can also apply with a stable source of income. Here\u2019s the breakdown of key requirements that you must fulfil to be eligible for personal loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Age:<\/strong> You must fall between 21 years to 60 years, as set by the bank.<\/li>\n\n\n\n<li><strong>Employment Status:<\/strong> You must be employed full-time with a reputable organization.<\/li>\n\n\n\n<li><strong>Income:<\/strong> Your income should meet the bank&#8217;s minimum requirements, which is INR 25,000 per month.<\/li>\n\n\n\n<li><strong>Credit Score:<\/strong> An excellent <a href=\"https:\/\/fly.finance\/blog\/personal-loan\/cibil-score-for-personal-loans\/\"><strong>CIBIL score for a personal loan<\/strong><\/a> significantly enhances your chances of approval and securing a lower interest rate. It should ideally be more than 650 to 700.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Having a bad credit history? Check out how to avail of <\/strong><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-with-low-cibil-score\/\"><strong>personal loans with low CIBIL scores<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required\"><span id=\"documents-required\">Documents Required<\/span><\/h2>\n\n\n\n<p>You need to prove your reliability by submitting a list of documents when applying for personal loans from YES Bank. Documents related to identity, address, income, employment, and credit history must be attached or uploaded when filling out the personal loan application form of the bank. Check out the list below-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A valid government-issued photo ID like your Aadhaar card, passport, or driver&#8217;s license for your identification.<\/li>\n\n\n\n<li>Recent utility bills, a rental agreement, or any document to confirm your current address.<\/li>\n\n\n\n<li>Provide salary slips, income tax returns, or bank statements for income verification.<\/li>\n\n\n\n<li>An employment letter or proof of business ownership strengthens your application by showcasing your professional standing.<\/li>\n\n\n\n<li>Credit Report highlighting your creditworthiness and past repayment history.<\/li>\n<\/ul>\n\n\n\n<p>YES Bank might ask for additional requirements. It&#8217;s always best to check with them directly to ensure you have everything they need.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-personal-loan-from-yes-bank-online\"><span id=\"how-to-apply-for-personal-loan-from-yes-bank-online\">How to Apply for Personal Loan from YES Bank Online?<\/span><\/h2>\n\n\n\n<p>You can apply for a personal loan offline (via branch visit) or online (the official website). However, before applying you need to calculate the loan amount and repayment tenure that suits your budget. Determine the loan amount using the eligibility checker online and prepare the necessary documents like ID proof, address proof, income proof, and employment details.<\/p>\n\n\n\n<p>Follow the steps given below for a hassle-free application process for online loans-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visit the official website of YES Bank.<\/li>\n\n\n\n<li>Navigate to \u2018Loans\u2019 and click on \u2018Consumer Loans\u2019.<\/li>\n\n\n\n<li>Now click on \u2018Personal Loans\u2019.<\/li>\n\n\n\n<li>Click on \u2018Apply Online\u2019.<\/li>\n\n\n\n<li>Fill in the details as asked and submit.<\/li>\n\n\n\n<li>YES Bank will verify your application and contact you for further steps.<\/li>\n<\/ul>\n\n\n\n<p>This was all about the personal loan features of YES Bank. To know more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex<\/strong><\/a> and banking experience for global students or international money transfers, reach out to our experts at 1800572126 to help ease your study abroad experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1723621164858\"><strong class=\"schema-faq-question\"><strong>What are YES Bank personal loans?<\/strong><\/strong> <p class=\"schema-faq-answer\">YES Bank personal loans are unsecured loans. These are offered up to INR 50 lakhs at interest rates starting from 10.49% p.a.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723621168395\"><strong class=\"schema-faq-question\"><strong>What is the YES Bank personal loan interest rate?<\/strong><\/strong> <p class=\"schema-faq-answer\">YES Bank offers the lowest interest rates on personal loans starting from 10.49% p.a. This enables salaried and self-employed individuals to apply for cost-effective and affordable personal loans from YES Bank.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723621171636\"><strong class=\"schema-faq-question\"><strong>What is the minimum salary for a personal loan in YES BANK?<\/strong><\/strong> <p class=\"schema-faq-answer\">To be eligible for a YES Bank personal loan, the minimum monthly salary of an individual must be INR 25,000.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723621303784\"><strong class=\"schema-faq-question\"><strong>Is YES BANK good for personal loans?<\/strong><\/strong> <p class=\"schema-faq-answer\">Absolutely. YES Bank offers higher loan amounts of up to INR 50 lakhs at the lowest interest rates starting from 10.49% p.a. There are no hidden charges and the bank prioritizes transparency by clearly outlining other charges.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1723621316335\"><strong class=\"schema-faq-question\"><strong>Who is eligible for YES Bank personal loans?<\/strong><\/strong> <p class=\"schema-faq-answer\">To be eligible for personal loans from YES Bank, you need to be a salaried employee with a minimum monthly salary of INR 25,000. Self-employed individuals and professionals can also apply with a stable source of income.<\/p> <\/div> <\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loans-for-mba-in-usa\/\"><strong>Education Loan for MBA in the USA<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-pilot-training\/\"><strong>Education Loan for Pilot Training<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/loan-against-mutual-funds\/\"><strong>Education Loan against Mutual Funds<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-extension-letter\/\"><strong>Education Loan Extension Letter to Bank<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-against-fixed-deposit\/\"><strong>Education Loan against Fixed Deposits<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loans-for-ms-in-usa\/\"><strong>Education Loan for MS in the USA<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-after-12th\/\"><strong>Education Loan after 12th<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-online-degree\/\"><strong>Education Loan for Online Degree<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/education-loan-for-medical-courses\/\"><strong>Education Loan for Medical Courses Abroad<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/education-loan\/what-happens-to-the-education-loan-if-the-borrower-dies\/\"><strong>What Happens to Education Loan if the Borrower Dies?<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>YES Bank personal loans are quick and easy to avail at competitive interest rates. The bank offers financial assistance to both existing and new customers. You can use the amount for various personal purposes like a holiday, wedding, medical expenses, education, or home construction. These can be repaid in easy EMIs. You can apply online &#8230; <a title=\"YES Bank Personal Loans: Interest, Eligibility, Documentation\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/\" aria-label=\"Read more about YES Bank Personal Loans: Interest, Eligibility, Documentation\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":14547,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[410],"tags":[],"class_list":["post-14539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>YES Bank Personal Loans: Interest, Eligibility, Documentation<\/title>\n<meta name=\"description\" content=\"Check here all about YES Bank Personal Loans. 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621164858","position":1,"url":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621164858","name":"What are YES Bank personal loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"YES Bank personal loans are unsecured loans. These are offered up to INR 50 lakhs at interest rates starting from 10.49% p.a.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621168395","position":2,"url":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621168395","name":"What is the YES Bank personal loan interest rate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"YES Bank offers the lowest interest rates on personal loans starting from 10.49% p.a. This enables salaried and self-employed individuals to apply for cost-effective and affordable personal loans from YES Bank.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621171636","position":3,"url":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621171636","name":"What is the minimum salary for a personal loan in YES BANK?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To be eligible for a YES Bank personal loan, the minimum monthly salary of an individual must be INR 25,000.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621303784","position":4,"url":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621303784","name":"Is YES BANK good for personal loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Absolutely. YES Bank offers higher loan amounts of up to INR 50 lakhs at the lowest interest rates starting from 10.49% p.a. There are no hidden charges and the bank prioritizes transparency by clearly outlining other charges.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621316335","position":5,"url":"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/#faq-question-1723621316335","name":"Who is eligible for YES Bank personal loans?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To be eligible for personal loans from YES Bank, you need to be a salaried employee with a minimum monthly salary of INR 25,000. Self-employed individuals and professionals can also apply with a stable source of income.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/14539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=14539"}],"version-history":[{"count":1,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/14539\/revisions"}],"predecessor-version":[{"id":14546,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/14539\/revisions\/14546"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/14547"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=14539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=14539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=14539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}