🇮🇳 India

Yes Bank Last updated2026-05-28

Yes Bank EMI Calculator 2026 rates.

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Quick answer

Yes Bank home loan rate starts at 8.95% (typical 9.5%) as of 2026. A ₹50 lakh loan at 9.5% over 20 years = an EMI of approximately ₹46,607/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Yes Bank loan rates (May 2026)

🏠 Home Loan

8.95–11.4%

typical: 9.5% p.a.

💵 Personal Loan

11.25–21%

typical: 13.5% p.a.

🚗 Car Loan

9.25–13%

typical: 9.95% p.a.

💳 Processing Fee

1% of loan amount (min ₹10,000) for home loans. Personal loans often higher (up to 2.5%).

🔁 Prepayment

Zero on floating-rate retail loans post-12 EMIs. Lock-in for fixed-rate.

About Yes Bank

Why choose Yes Bank?

Yes Bank is a mid-tier private-sector bank with about 1,200 branches and a focus on urban affluent customers. Post the 2020 RBI-led restructuring (SBI + 7 banks recapitalized it), Yes has stabilized at ~₹2.5 lakh crore in deposits. Home loan book is small (~₹15,000 crore) but growing as the bank rebuilds.

🎯 Unique angle

Yes Bank is one of the few mid-size private banks willing to do "non-standard" income profiles, gig workers with platform earnings (Zomato, Swiggy, Urban Company), crypto-trader filings, and freelance professionals, all at competitive rates.

Product highlights

✓ Yes Home: 8.95-10.65% for salaried, fast online approval
✓ Yes Mid-Market Home Loan: for self-employed professionals (CAs, doctors, lawyers)
✓ Yes Pro-Loan: for gig and platform workers with 2+ years platform earnings
✓ Yes Personal Loan: digital approval in <30 mins for existing customers
✓ Pre-approved car loans for Yes Bank salary-account holders

❓ Yes Bank FAQ

Common questions.

Is Yes Bank safe after the 2020 moratorium?

Yes. Yes Bank exited PCA in late 2021 and has been consistently profitable since. SBI still owns 24% as anchor shareholder, with Carlyle and Advent International holding ~16.1% combined. Capital adequacy is at 17.3%, well above RBI's 11.5% requirement. Deposits are DICGC-insured up to ₹5 lakh per depositor like any Indian bank.

Can Zomato/Swiggy delivery partners get a Yes Bank loan?

Yes. Yes Pro-Loan specifically targets gig workers with 18+ months of platform earnings traceable via UPI/bank statements. Loan amounts up to ₹15 lakh, rates typically 200-300 bps above standard salaried rates due to income volatility risk. Documentation is platform-statement-driven, not Form 16.

Are Yes Bank home loan rates competitive?

Yes Bank prices home loans 50-100 bps above HDFC/SBI for prime salaried borrowers, so they are not the price leader. Their value is in approval speed (often same-day for pre-approved customers) and willingness to lend to non-standard income profiles that HDFC/SBI may reject.

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