Looking for a personal loan that comes to you at an attractive interest rate? YES Bank Personal Loan could be the ideal choice for you. This credit facility offers attractive features, including interest rates from 11.25% to 21% per annum and flexible repayment options. All that helps individuals meet their personal needs efficiently. The renowned Bank is meeting the needs of many with the best personal loan offers. 

Know more about the personal loan details below:

YES BANK Personal Loan Interest Rates 2025

The table shows you the latest YES Bank Personal Loan Interest Rates for 2025. Check them before applying.

Particulars	Details
Interest Rates	11.25% to 21% per annum
Loan Amount	INR 1 lakh - INR 50 lakh
Repayment	72 months
Minimum Monthly Income	INR 25,000
Applicant Age Required	Minimum - 21 years Maximum - 60 years/Retirement Age

Note - The processing fee and part prepayment fee will also include taxes as applicable

Types of YES Bank Personal Loan

• Personal Loan for Holiday:- Turn your dream vacation into reality with a YES Bank Personal Loan for Holidays. Cover major expenses like flights, hotels, and travel essentials without financial worries.
   
• Personal Loan for Wedding:- Make your special day grand with a YES Bank Wedding Loan. Get quick funds to manage wedding expenses, including jewelry, clothing, decoration, and catering.

• Personal Loan for Home Renovation:- Redesign your home effortlessly with a YES Bank Home Renovation Loan. Access customized loan plans to refurbish your space and create your dream home.

Features and Benefits of YES Bank Personal Loan

These are some of the top benefits and features of YES Bank Personal Loan - 

• Flexible Repayments: Choose a loan tenure that suits you using the YES Bank Personal Loan EMI Calculator.
• Instant Approval: Get a 1-minute loan approval and check your eligibility within 60 seconds.
• Balance Transfer Facility: Easily transfer your high-interest personal loan from other Banks to YES Bank at better rates.
• Prepayment Option: Part pre-pay your loan after 12 EMIs to reduce your interest burden.
• Convenient Online Application: Apply for an instant personal loan through YES Bank's seamless digital platform.
• Versatile Financial Solution: Use the loan for any personal need, as there are no end-use restrictions (except for speculative purposes).
• No Collateral Required: Get a personal loan without pledging any security or assets.

YES Bank Personal Loan Eligibility Criteria

To apply for a YES Bank Personal Loan, meet the following criteria - 

• Employment: Must be a salaried employee in a private or public sector organization.
• Age: Between 21 and 60 years.
• Income: Minimum stable monthly income of ₹25,000.
• Credit Profile: A strong credit history and high credit score are preferred.

Note: Personal loan eligibility for salaried employees may vary based on YES Bank’s policies.

Documents Required for YES Bank Personal Loan

To apply for a YES Bank Personal Loan, you need to submit the following documents:

• Proof of Identity: Aadhaar card, passport, or driver’s license.
• Proof of Address: Recent utility bill, rental agreement, or any valid address proof.
• Income Proof: Latest 3 months' salary slips and Bank statements as proof of financial stability.
• Photographs: Recent passport-sized photographs.

How to Calculate Monthly EMIs of YES Bank Personal Loan?

If you are looking to avail a loan of ₹30,00,000 from IndusInd Bank for 5 years at an interest rate ranging from 11.25% to 21% per annum, your monthly EMI would vary based on the applicable interest rate.

Take the help of Wishfin YES Bank Personal Loan EMI Calculator to quickly determine your EMI. Simply enter your loan amount, interest rate, and tenure, and the tool will instantly calculate your EMI for you.

Tenure	Interest Rate (11.25%)	Interest Rate (21.00%p.a.)
1	₹2,65,494.94	₹2,79,341.32
2	₹1,40,171.98	₹1,54,156.95
3	₹98,571.70	₹1,13,025.20
4	₹77,901.29	₹92,897.08
5	₹65,601.92	₹81,160.08

Schedule Of Charges Of YES Bank Personal Loan

Here are the additional fees/charges of YES Bank Personal Loan, go through them to avoid any extra charges being levied upon you while availing of the Personal Loan - 

Processing Fee	Up to 2.5% of the loan proceeds
Foreclosure Charges	NIL
Pre Partpayment Charges	2% on part payment amount paid
Stamp Duty & other Statutory Charges	As per applicable state laws. A service charge of ₹125 (including GST) applies per stamp paper/e-stamp.
Post Disbursement
Repayment Mode Swap Charges	Rs 750/- per transaction
Loan cancellation/Re-booking Charges	₹1000 + tax. If canceled within 15 days of disbursement, the borrower bears cancellation and interest charges.
Repayment Schedule/Amortisation Schedule Charges	Rs. 750/- per schedule
Duplicate No Due Certificate/No Objection Certificate	Rs. 250/- per statement
Statement of Account/Loan Account Statement Charges	Rs. 750/- per Statement
CIBIL Charges	Rs. 50/- per instance
Legal/Incidental/Collection Charges	At actuals
Part Pre-payment Charges	Charges: 3% + taxes on the part payment amount. Eligibility: Allowed after 12 EMIs, once per financial year, twice during tenure. Adjustment: Reduces principal, EMI amount remains unchanged. Limits: 13-24 months: Up to 20% of POS 25-36 months: Up to 20% of POS 37-48 months: Up to 25% of POS 48 months: Up to 25% of POS
Date of issuance for the annual outstanding balance statement.	On-Demand