🇮🇳 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 — 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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