Yes Bank Personal Loan

YES Bank offers personal loans starting from Rs. 1 Lakh to Rs. 50 Lakh at attractive interest rates for repayment tenure ranging from 12-72 months. Personal Loan is also known as an Unsecured Loan, where the borrowers do not have to guarantee any property against the loan. Personal Loan is usually a medium-term solution for managing your finances and can be used to help with expenses related to exotic travel plans, wedding, medical emergency, home renovation, amongst others. Moreover, it can be used for various purposes, such as taking a long vacation or planning to renovate your house, a Personal Loan from YES Bank can be the best option to do so.

Personal Loan is a ‘small expense’ loan in which money has been borrowed from a bank or NBFCs to satisfy personal needs and day-to-day emergencies. The evaluation criteria for approving such loans include net monthly income, credit history or CIBIL score, employment status, capacity for repayment, amongst others. Use Personal Loan EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure. Apply for Personal Loans in Delhi-NCR online with LoanMoney to avail lowest interest rates and quick approval.

Features & Benefits of YES Personal Loan

Collateral-free: Personal Loan is Unsecured Loan, it doesn't need any security or assets.
Maximum Loan Amount: YES BANK offers customers personal Loan for Rs. 1 Lakh to Rs. 50 Lakh at Best interest rates.
Attractive Interest Rates: YES Bank offers loans at attractive Rate of Interest starting from 10.40% to 16%.
Processing Fees:Starting at 7999% Up to 2%.
Flexibility Repayment Options: You can calculate the EMI through LoanMoney EMI Calculator. You can quickly determine the EMI you would be required to pay across various tenure starts from 1 year to 6 years and choose a repayment option that suits you the best.
Quick disbursal of loan funds: YES Bank Personal Loan has been processed and approved, your funds will be disbursed in 3 to 5 working days.
Transfer Existing Loan: Borrower also has the option of transferring their high-cost personal Loan from other banks or NBFCs at the Lowest Rate of Interest.
Top-up Loan: You can also get additional Top-up funding to add on to the loan during the same tenure.
Part prepayment option:You has the option to choose to part pre-pay your YES Bank Personal Loan after 12 EMIs.
Doorstep Services: LoanMoney provides you with doorstep services. When online applying for a YES Bank Personal Loan through LoanMoney, Our representative will visit your home or office for completion of the application form as well as the documentation pick-up for Personal Loan.

Loan Amount: Rs. 1 Lac to 50 Lacs
Rate of Interest (APR)*:10.40% to 16%
Repayment Tenor: 12 Months to 72 Months
Processing Fees: 1% to 2% + GST as applicable
Prepayment/ Foreclosure:Nil (After 12 months) or 1% - 4% (Before 12 months)

Illustration: Rs. 1 Lac loan on @10.40% with processing Fees for 72 Months comes to Rs. 1,34,843/- Equated Monthly Instalment shall be: Rs. 1,873/- only.

APR* - Annual Percentage Rate

The following people are eligible to Apply for YES Bank Personal Loan:

Salaried Doctors, CAs, salaried employees of MNC, Private Ltd., Public sector undertakings, including central, state and local bodies
Salaried Individuals between 23 and 58 years of age
Salaried Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer.
Those who earn a minimum of Rs. 25,000 net income per month.

Particulars	Salaried	Self Employed	Professional
Age(Min-Max)	23 To 58 Years	25	23
Minimum Income	Min. Rs. 20,000/- Monthly	NA	NA
Co-applicant	NA	NA	NA
Loan Tenure	12 To 72 Months	12 To 36 Months	12 To 48 Months
Maximum Loan Amount	Upto 50 Lacs	Upto 50 Lacs	Upto 50 Lacs
Employment/Business Continuity	NA	NA	NA
CIBIL Score	Above 650	NA	NA

Disclosures & Disclaimers

There are various factors to consider while taking a Personal Loan in order to assure the borrower gets the best possible deal. Factors such as:

* APR - Annual Percentage Rate: Annualized cost of borrowing Includes and shown as percentage:

Interest rate, Processing fees, Documentation fees and other fees

Loan Amount:1 Lac to 1 Cr
Rate of Interest (APR)*: Minimum :10.25% to Maximum: 18%
Repayment Tenor: Minimum: 12 Months to Maximum: 84 Months
Processing Fees: Min. Rs. 999/- + GST to Max. 4719/-
Prepayment/ Foreclosure:Nil (After 12 months) or 1% - 4% (Before 12 months)

Illustration

Rs. 1 Lac loan on @10.25% with processing Fees for 84 Months comes to Rs. 1,40,537/- Equated Monthly Installment shall be: Rs. 1,673/- only. Processing Fess 2 % Plus Stamp Duty Rs. 100/- to 500/- depending on State to State.

Disclaimer: www.easy-personal-loan.com is a loan aggregator and is authorized to provide services on behalf of its partners with best guaranteed deals

APPLY YES BANK PERSONAL LOAN FOR 84 MONTHS @ 10.25%