Bank
Yes Bank Personal Loan 2026
Interest rate, eligibility, documents & fees
- Interest Rate
- 10.99%–24%
- Loan Amount
- Up to ₹40 lakh
- Tenure
- 12–60 mo
Yes Bank Personal Loan — Key Details
Last reviewed August 2026
- Interest rate
- 10.99% – 24% p.a.
- Loan amount
- ₹1 lakh – ₹40 lakh
- Tenure
- 12 – 60 months
- Processing fee
- Up to 2%
- Minimum CIBIL score
- 700+
- Minimum monthly income
- ₹25,000
- Age
- 22 – 60 years
- Employment type
- Salaried
Yes Bank Personal Loan EMI
Monthly EMI at the starting rate of 10.99% p.a. Your rate may be higher.
| Loan amount | 12 months | 24 months | 36 months | 60 months |
|---|---|---|---|---|
| ₹1,00,000 | ₹8,838 | ₹4,660 | ₹3,273 | ₹2,174 |
| ₹3,00,000 | ₹26,513 | ₹13,981 | ₹9,820 | ₹6,521 |
| ₹5,00,000 | ₹44,188 | ₹23,302 | ₹16,367 | ₹10,869 |
| ₹10,00,000 | ₹88,377 | ₹46,603 | ₹32,734 | ₹21,737 |
Yes Bank Personal Loan Eligibility
- Age 22–60 years
- Monthly income ≥ ₹25,000
- CIBIL ≥ 700
- Minimum 2 years work experience
Documents Required for Yes Bank Personal Loan
Salaried
- PAN Card
- Aadhaar Card
- Salary slips (3 months)
- Bank statements (3 months)
- Form 16
Self-Employed
- PAN Card
- Aadhaar Card
- ITR (2 years)
- Bank statements (6 months)
- Business proof
Yes Bank lends mainly to salaried applicants; self-employed applications may be considered case by case.
Pros & Cons
Advantages
- Competitive interest rates
- Relationship manager assigned
- Online application available
Watch out for
- Bank had RBI moratorium in 2020 — lingering customer concern
- Smaller digital ecosystem
- Disbursal slower than peers
How to Apply for a Yes Bank Personal Loan
Yes Bank's own application process
- 1Visit Yes Bank website
- 2Click Apply Now on personal loan page
- 3Submit application form
- 4Upload documents at branch or online
- 5Approval in 3–5 working days
- 6Disbursal after agreement signing
Not sure Yes Bank is right for you? Compare offers from RateCut's lending partners first.
Compare OffersYes Bank Personal Loan — FAQs
What is the Yes Bank personal loan interest rate?
Yes Bank personal loan interest rates range from 10.99% to 24% p.a. (last reviewed August 2026). The rate you get depends on your credit score, income, employer and loan amount.
What is the minimum salary for a Yes Bank personal loan?
Yes Bank requires a minimum monthly income of about ₹25,000. It lends to: Salaried.
What is the processing fee for a Yes Bank personal loan?
Yes Bank charges a processing fee of Up to 2%, plus 18% GST. It is usually deducted from the loan amount at disbursal.
What CIBIL score is needed for a Yes Bank personal loan?
Yes Bank generally looks for a CIBIL score of 700 or more. A score of 750+ improves your chances of getting a lower rate.
How long does Yes Bank take to disburse a personal loan?
As per Yes Bank's stated process: Disbursal after agreement signing. Existing customers with pre-approved offers are usually faster.
Is Yes Bank regulated by the RBI?
Yes. Yes Bank is a private sector bank regulated by the Reserve Bank of India.
Compare Yes Bank with other lenders
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Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.