YES Bank Personal Loan Apply, Interest Rate 2024

YES Bank Personal Loan Apply, Interest Rate, Eligibility, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.

If you want to take personal loan from YES Bank then this article is for you. Personal loan comes under the category of an unsecured loan. The bank gives this loan to the customer on the basis of his credit history.

Any person can take a personal loan for any of his personal work. To take a personal loan from YES Bank, you have to apply in it. In this article, we will know what is Yes Bank personal loan, what is the interest rate of this loan, eligibility for it, how can we apply for this loan etc., so read this article till the end.

Yes Bank Personal Loan

Any person can take advantage of personal loan for his personal expenses such as marriage expenses, medical emergency, to get the house repaired, to pay children’s fees, higher education, travel etc. Personal loan is an unsecured loan.

The bank does not need to give you any security or collateral to take this loan. Due to this loan being an unsecured loan, the lender cannot auction or sell anything of the candidate. Being an unsecured loan, YES Bank provides personal loan to you on the basis of your CIBIL score . If your CIBIL score is high then you can take personal loan up to higher loan amount.

As you know that personal loan is provided by the bank to the customer at your own risk. Due to the high risk, the interest rate of this loan is higher than that of home loan, car loan or gold loan. The approval of Yes Bank Instant Personal Loan depends on several factors such as the applicant’s credit score, income, employment status, repayment status etc. From YES Bank , you can get loan amount from Rs 1 lakh to Rs 40 lakh under this loan. You have to apply for this loan.

You can apply online by visiting the bank’s official website or you can also apply offline by visiting your nearest bank branch. Yes Bank offers various types of personal loans, which we will get to know in this article.

Yes Bank Personal Loan Overview

• Loan Name: Yes Bank Personal Loan 2024
• Loan Amount : Maximum up to Rs 40 lakh
• Interest Rate : Starting from 10.99% p.a.
• Loan Tenure: Maximum 60 Months
• Processing Fee : Up to 2.50%
• Application Mode: Online / Offline
• Official Website: https://www.yesbank.in/
• Read Yes Bank Wiki

Yes Bank Personal Loan Interest Rate 2024

The interest rate of YES Bank personal loan starts from 10.99% per annum.

Before taking a personal loan, we need to know about Personal Loan Interest Rate 2024. If you apply for that loan without knowing the interest rate of the loan, then you may have to face a lot of problems at the time of repayment of the loan.

Benefits and Features of Yes Bank Personal Loan

• Any person can take a personal loan for his personal expenses.
• You can join YES BANK Personal Loan for expenses like Traveling, Vacation, Wedding, Home Renovation, Higher Education, Children Fees etc.
• You can take a personal loan up to a maximum of Rs 40 lakh from YES Bank.
• You can take this loan for a loan tenure of 60 months.
• You do not need to provide any security or collateral to avail Yes Bank Personal Loan.
• You can choose the loan tenure as per your convenience.
• If you fulfill all the conditions of YES Bank Personal Loan , then your loan is approved in just 1 minute.
• Once your Personal Loan is approved, the loan amount is transferred to your bank account within a few minutes.
• Yes Bank personal loan interest rate starts from 10.99% p.a.
• You can apply for this loan online by taking advantage of the bank’s online service with minimal documentation.
• After you have given all the documents to the bank, the bank will verify them within just 5 days and will confirm that all the documents given by you are according to the loan of the bank.
• Customers can transfer their existing loans from other banks or institutions at lower interest rates and can also get additional top-up funding to add to the loan during the same tenure.
• Bank also provides you doorstep banking services.
• While applying for Yes Bank personal loan, a representative of the bank will visit your home or office to complete the application form as well as the documentation process.
• Yes Bank provides you Net Banking and Mobile Banking services to perform your banking work efficiently.
• The bank also provides you the option to select the part pre-payment option.
• If you are an existing customer of the bank, then you can also take advantage of the attractive interest rates of the bank.

Yes Bank Personal Loan Types

YES Bank offers various types of personal loans to the customers. The types of personal loans are as follows:

• Yes Bank personal loan for holidays
• Yes Bank personal loan for marriage
• Yes Bank personal loan for home renovation

YES Bank Personal Loan Eligibility

Before taking a loan, you need to know about the eligibility of this loan. If you are eligible for this personal loan then only you can apply for it. You can check your eligibility in just 1 minute by logging in to the official website of the bank, for this you have to enter the following details:

• Age
• monthly income
• Other recurring monthly expenses including any existing EMIs
• Employer
• Employment History: Years in current job
• Length of stay at current residence (whether rented, owned or mortgaged)

The eligibility criteria to apply for Yes Bank personal loan are as follows:

• Any salaried or self-employed person can apply for this loan.
• Your CIBIL score should be good.
• Applicant age should be between 21 to 60 years.

YES Bank Instant Personal Loan Documents Required

Whenever you are applying for Yes Bank personal loan, you should do all your documents together before applying, so that whenever the bank demands documents from you, you can show them all the documents immediately. To apply for Yes Bank personal loan, you must have the following documents:

• Application letter
• Identity Proof (Passport, Driving License, Aadhar Card, Voter ID)
• address proof
• Income Proof – Your salary slip for the last 3 months
• NOTE: The information provided by you to the Bank can be verified at any time by the authorized staff of the Bank.

Things to note before applying for Yes Bank Personal Loan

• First of all, determine how much money you need.
• After that you should plan how long you can repay the amount.
• You should apply for the loan keeping in mind your current income and other possible expenses.
• Before applying for a personal loan, you should calculate the EMI (Equated Monthly Installment) of the loan so that you can get an idea of ​​how much EMI you will have to pay.
• You should calculate your eligibility by visiting the official website of the bank.
• When you get a call from Yes Bank and ask for documents from you, then you have to make sure that you have all the documents with you.

Yes Bank Personal Loan Apply

If you fulfill all the eligibility of personal loan of the bank, then you can apply for this loan both online and offline. Here is the information about both the application process:

How to Apply Yes Bank Personal Loan Online?

If you want to apply online for this loan, then follow the steps given below:

• First of all you have to visit the official website of the bank https://www.yesbank.in/ .
• On the home page of the website, the option of Personal Banking > Individual > Loans will appear in the menu bar, click on it.
• On the next page, you will see the option of Personal Loan , click on it.
• On the next page, all the information related to Yes Bank personal loan will come in front of you.

• On this page, you will see a form to apply for personal loan.
• Enter all the information asked in this form like name, email id, mobile number, pan card number etc. correctly.
• After entering all the information click on submit.
• After this the representative of the bank will contact you and the loan process will be issued further.

How to apply offline?

• To apply offline, you have to first go to your nearest YES Bank branch.
• By going to the bank, you have to contact the bank employee.
• The bank employee will provide you all the information related to personal loan.
• After that your CIBIL score and your documents will be verified.
• If you fulfill all the conditions of the personal loan of the bank, then the loan process will be continued further.
• After a few minutes of loan approval, the loan amount will be transferred to your bank account.

Yes Bank Personal Loan EMI Calculator

Before applying for Yes Bank personal loan, you should calculate the EMI of your loan so that you can find out how much EMI you will have to pay to repay the loan. If you calculate the EMI of the loan before applying for the loan, then you will not have to face the trouble later. The EMI of the loan depends on three main factors – loan amount, loan tenure and interest rate. You can calculate your loan using Personal Loan EMI Calculator by visiting the official website of the bank.

Personal Loan Fees and Charges

• Processing Fee – Up to 2.50% of the loan amount
• Check Bounce Fee – ₹ 750
• Loan Cancellation Fee – ₹ 1000
• Additional Repayment Charges – ₹ 750 + GST
• Other Charges – ₹ 750

Yes Bank Loan Customer Care Number

If you are facing any kind of problem in applying for this loan or you want to know more about this loan, then you can get information by calling Yes Bank Personal Loan Customer Care Number.

Email & SMS	[email protected] SMS ‘HELP’ space +91 9552220020
Call Us – India	Toll Free – 1800 1200
Call Us – Outside India	+91 22 4935 0000 (From Outside India) 1833 380 0149 (USA) 1833 491 0559 (CANADA) 800 048 9153 (UK) 8000 3570 2510 (UAE)

Conclusion:

In this article, we have provided you complete information about How to get YES Bank Personal Loan. Any person who wants to take a personal loan from YES Bank can read this article to understand the process of applying for this loan.

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