Private bank
YES Bank
A private bank with a growing retail and SME lending book.
Best for: SMEs and self-employed borrowers with property.
Apply with pre-screening
We check your profile against YES Bank's policy and others on the panel before any application.
Typical strengths
- Loan against property programmes
- Business banking focus
- Competitive personal loan offers
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by YES Bank under its credit policy.
Products
What we arrange with YES Bank
- Personal Loan
- Home Loan
- Business Loan
- Loan Against Property
- Car Loan
- Working Capital - OD / CC
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Our read
Where YES Bank fits
YES Bank is most relevant to self-employed borrowers and smaller businesses with property to offer. A loan against property here can support a larger amount than an unsecured route, and the assessment takes the asset seriously rather than resting entirely on declared income.
The retail and SME book has been rebuilding, which in practice means appetite can be selective and varies by segment. We treat it as a comparison point rather than an automatic first choice, and we check current appetite before we submit a file.
Worth knowing
- Appetite is more selective than at a larger private bank, so a file that fits one month may not the next.
- Pledging property puts the asset at risk; the lower rate against an unsecured loan reflects that, it is not a free saving.
Our assessment, not a statement of YES Bank’s policy. Terms are set by the lender and can change.
Questions
YES Bank: common questions
Is this a good option for a self-employed borrower?
With property to offer, it is worth comparing. Without it, a specialist NBFC is usually the better route for informal income and we will direct you there.
How much can I borrow against my property?
It depends on the valuation and on your ability to service the loan. We give you a realistic range before applying, not an optimistic one.
Why check appetite before applying?
Lender appetite shifts by segment and by month. Submitting into a segment that is currently closed costs you a bureau enquiry for nothing, so we confirm first.
Compare
Other private banks on the panel
The best lender for you depends on your profile. We compare before you apply.
Is YES Bank the right lender for you?
Share your requirement and we will compare it against the whole panel, at no cost and with no bureau enquiry.