YES Bank

YES Bank
4.5

Choose Yes Bank for your financial needs, and experience excellence in banking. Yes Bank also offers a competitive range of Yes Bank loans and Yes Bank services to cater to your financial requirements. Whether seeking a loan for your dream car or exploring other products for investments, Yes Bank ensures you can access top-notch financial services. Their competitive interest rates and flexible repayment options make Yes Bank loans a smart choice. When you need financial support, say yes to Yes Bank and unlock possibilities with their exceptional Yes Bank loan services. 

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Loans offered by YES Bank

YES Bank LoansInterest RateProcessing FeeLoan Amount/Tenure

YES Bank Personal Loan

10.99% - 20%

Up to 2%

₹1L - ₹40L

Tenure(1 - 5 Years)

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YES Bank Home Loan

9.4% - 10.25%

Up to 2%

₹10L - ₹10Cr

Tenure(1 - 35 Years)

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YES Bank Loan Against Property

10.5%

Up to 2% of the sanctioned loan amount (subject to minimum of Rs 10,000)

₹3L - ₹5Cr

Tenure(Up to 15 Years)

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YES Bank Business Loan

16%

Up to 2.5% of loan amount

Up to ₹50L

Tenure(1 - 5 Years)

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Features and Benefits of Yes Bank

Here are some of the key features and benefits of Yes Bank that it offers to its customers:

Yes Bank Features

Let’s take a look at some of the top features Yes Bank offers to its customers.

  • Digital Banking: With Yes Bank, the customers can expect cutting-edge digital banking services, making it convenient for customers to manage their accounts, conduct transactions, and access financial information online with the help of mobile apps.
  • Innovative Solutions: The bank aims to continuously introduce innovative products and services to meet the evolving needs of its customers. This includes customised banking solutions for businesses as well as individuals.
  • Customer-Centric Approach: Yes Bank offers excellent customer service and is committed to meet customer requirements in an efficient manner. 

Benefits of Banking With Yes Bank 

Here’s a quick snapshot of the benefits that an individual can expect by banking with Yes Bank.

  • Convenience: Customers can conveniently perform transactions online, reducing the need for physical visits to the bank.
  • Credit Facilities: Yes Bank offers various Yes loan products like personal loans, home loans, and business loans. All these products are available at flexible terms and competitive interest rates.
  • Credit Cards: With Yes Bank, one can avail the exclusive benefits of reward programs, cashback offers, along with travel benefits. 
  • Safety and Security: The bank is regulated by Reserve Bank of India (RBI) and ensures the safety of customer deposits and adheres to banking regulations. 
  • Accessibility: Yes Bank has a widespread network of various branches and ATMs. Yes Bank ensures the customers can easily access their accounts as well as banking services on PAN India basis.

Overview of Yes Bank

A ‘Full-Service Commercial Bank’, YES Bank offers an attractive range of technology, services, and products catering to MSMEs, retail and corporate clients with a close-knit network of 1000 branches and 1800 ATMs pan India. 

YES Bank handles its Merchant banking, Investment banking, and Brokerage businesses via YES SECURITIES, the bank’s completely owned subsidiary. Headquartered in Mumbai, YES Bank functions across India and globally including an IBU at GIFT City and a Representative Office in Abu Dhabi. 

The key financials of YES Bank include 11.6% growth in the balance sheet, a stable net interest margin of 2.8%, 5.9% growth in deposits, and a CASA ratio of 30.2%.

Services Offered by YES Bank 

The major products offered by them are:

Loan Against Property

YES Bank’s Loan Against Property can be used to fulfil professional, personal, and business requirements of the borrower. The loan can be availed against commercial, industrial, residential, school, warehouse properties and for the purchase of commercial property for a flexible tenure of up to 15 years. You can avail of a loan amount of up to ₹10 crores with dropline overdraft and balance transfer facilities.

Personal Loan

You can avail of a personal loan of up to ₹40 lakh from YES Bank to fulfil your emergency financial needs. Long repayment loan tenures ranging from 12 to 60 months help ease the burden on your monthly budget. YES Bank offers a lucrative rate of interest starting from 10.99%. It offers a speedy approval of your loan without having to offer collateral.

Business Loan

YES Bank offers a collateral-free business loan to self employed professionals, partnerships, sole proprietorships, closed held companies, limited liability partnerships, and Pvt. Ltd. company. A loan amount of up to ₹50 lakh is offered with a flexible repayment tenure ranging from 12 to 60 months.

Home Loan

YES Bank provides home loans that can help you realise your dreams with loan top-up and loan transfer facilities. The interest rates on home loans start from 6.70% with a meagre processing fee of 2% on the loan amount. You can avail of a loan amount of ₹10 lakh to ₹10 crores with YES bank.

Other products and services include:

  • Digital Salary Account
  • Savings Account
  • Current Account
  • Fixed Deposits
  • Recurring Deposits
  • NRI Savings Account
  • NRE Savings Account
  • YES First
  • YES Premia
  • Online Banking
  • NetBanking Services
  • Credit Card
  • Credit Card Services
  • Debit Card
  • Corporate Loans
  • Commercial Vehicle Loan
  • Construction Equipment Loan
  • Affordable Housing Loan
  • Loan in Seconds
  • Bike Loan
  • Car Loan
  • Gold Loan
  • Loan Against Securities
  • YES Sampoorna Micro LAP
  • Healthcare Industrial Printing Loan
  • Credit Card Bill Payment
  • Services for Senior Citizens & Customers with Disabilities
  • Aadhaar Enrolment Facility

YES Bank Corporate Office Details

Check out the contact information of YES Bank Corporate Office below:

  • YES Bank Head Office Address: Yes Bank Limited, Nehru Centre, 9th floor, Discovery of India, Dr. A.B. Road, Worli, Mumbai-400018, India
  • Head Office Email ID: yestouch@yesbank.in
  • Head Office Fax Number: +91-22-24900314

FAQs

From refinancing to reducing your interest, we have the answers right here.

Can I open a YES bank account online?

Yes, you can open a YES Bank account online by visiting the bank website, submitting your details and uploading documents.

How many types of accounts are there in YES BANK?

YES Bank offers 5 different types of savings account options, each having their own features and benefits.

What is the minimum balance in YES BANK?

The minimum amount requirement for maintaining a savings account in YES Bank is Rs. 10,000. However, this can be waived off by maintaining a minimum FD account of Rs. 50,000.

What is the daily transaction limit in YES Bank?

The daily transaction limit for a YES Bank account is Rs.1,00,000.

What is MPIN in Yes Bank?

An MPIN is a 6-digit PIN that is set up during the registration process required to authenticate any transaction.

What is the YES Bank IFSC code?

The first four characters of a YES Bank IFSC code is YESB, followed by 0. The last 6 characters are usually numeric and are used to represent a branch code.

What is YES Bank SWIFT code in India?

The YES Bank SWIFT code in India is YESBINBBXXX.

What are the benefits of YES Bank?

Some of the benefits of YES Bank are free NEFT/RTGS payment facility, exciting debit card offers, unlimited access to ATMs.

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