Yes Bank offers the full retail loan range with a focus on digital and instant products — particularly fast personal loans and MSME business lending.
Indicative Yes Bank interest rates (August 2026)
| Loan Type | Indicative Rate (onwards) |
|---|---|
| Home Loan | ~9.6% p.a. |
| Personal Loan | ~12.0% p.a. |
| Car Loan | ~9.7% p.a. |
| Education Loan | ~9.8% p.a. |
| Gold Loan | ~9.0% p.a. |
| Business Loan | ~14.0% p.a. |
| LAP Loan | ~11.0% p.a. |
Eligibility (typical)
Salaried: 21–60, CIBIL 750+. Self-employed: 1–2 years ITR. Pre-approved customers need no income documents.
Application process
Apply via Yes Bank app/website → eligibility + documents → verification + sanction → disbursal.
Tips before you apply
Personal loan rates vary sharply with CIBIL — keep your score healthy. For study abroad, compare Yes Bank's offer with SBI Scholar and ICICI.
Frequently Asked Questions
A> Yes — instant offers for salary-account and pre-approved customers, with disbursal in minutes to hours.
A> Yes — education loans cover overseas tuition and living costs with repayment after the course.
A> Yes — MSME and business loan products with working capital facilities; eligibility depends on business vintage and ITR.
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