What YES Bank asks for on personal, home, business loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
One free check compares your profile with YES Bank and the other 39 lenders we track. It does not touch your credit score.
How YES Bank tends to lend (our read): Mid-tier private bank pricing unsecured credit on employer grade and score; big home-loan tickets (Rs 10 lakh to Rs 5 crore) with a 35-year tenure headline. Lends in: Metro, Tier 2, Tier 3 / other locations.
YES Bank Personal Loan Eligibility
Market-reported
As reported by loan-comparison sites (not confirmed on YES Bank's own website). See the source card.
Age
21 to 60 years (age when the loan ends)
Minimum income
₹25,000 net per month
Minimum credit score
700 (CIBIL or equivalent)
Employment
Salaried
Work experience (salaried)
1 year total, 6 months with the current employer
Loan amount
₹1,00,000 to ₹40,00,000
Tenure
1 year to 5 years
Interest rate
10.85% to 21% p.a.
Documents YES Bank lists
KYC
Salary slips
Bank statements
Research notes
YES Bank's own eligibility page could not be fetched on this pass (HTTP/2 protocol errors on every attempt), so the panel entry is aggregator-corroborated (BankBazaar): age 21 to 60, Rs 1 lakh to Rs 40 lakh, 12 to 60 months, 10.85% to 21%, 700+ score recommended, salaried with a reputed employer priced best. The Rs 25,000 income floor and tenure gates are the private-bank median, not YES Bank-published.
As reported by loan-comparison sites (not confirmed on YES Bank's own website). See the source card.
Age
21 to 65 years (age when the loan ends)
Minimum income
₹25,000 net per month; self-employed: ₹3,00,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
3 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹10,00,000 to ₹5,00,00,000
Tenure
1 year to 30 years
Interest rate
7.25% to 9.25% p.a.
Documents YES Bank lists
KYC
Income proof
Property documents
Research notes
Aggregator-corroborated (BankBazaar): Rs 10 lakh to Rs 5 crore, tenure up to 35 years (capped at 30 in the engine), 7.25% to 9.25%, processing fee 1.5-2%. Age, income floor and score are not published - private-bank median assumed. YES Khushi affordable-housing variant (Rs 9,000 family income) is not modelled.
By ClearToLend's estimate (not a rule YES Bank publishes). See the source card.
Age
23 to 65 years (age when the loan ends)
Minimum credit score
700 (CIBIL or equivalent)
Business vintage
3 years or more
Annual turnover
₹40,00,000 or more
GST registration
Required
Filed ITR
2 years
Loan amount
₹5,00,000 to ₹50,00,000
Tenure
1 year to 5 years
Research notes
INFERRED. YES Bank's retail business loan page was unreachable on this pass; thresholds mirror the private-bank unsecured business-loan median (3-year vintage, Rs 40 lakh turnover, GST plus 2 years' ITR). Treat as an estimate.
ClearToLend is not affiliated with or endorsed by YES Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with YES Bank before you apply. A match is not a loan offer or approval.
YES Bank Loan FAQs
The minimum net monthly income is ₹25,000, as reported by loan-comparison sites (not confirmed on YES Bank's own website), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 700 or above, as reported by loan-comparison sites (not confirmed on YES Bank's own website). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 60 when the loan ends, as reported by loan-comparison sites (not confirmed on YES Bank's own website).
Rates run from 10.85% to 21% a year, as reported by loan-comparison sites (not confirmed on YES Bank's own website). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹25,000, as reported by loan-comparison sites (not confirmed on YES Bank's own website), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 65 when the loan ends, as reported by loan-comparison sites (not confirmed on YES Bank's own website).
Rates run from 7.25% to 9.25% a year, as reported by loan-comparison sites (not confirmed on YES Bank's own website). Your own rate depends on your credit score, income and employer.
A credit score of 700 or above, by ClearToLend's estimate (not a rule YES Bank publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 23 and no older than 65 when the loan ends, by ClearToLend's estimate (not a rule YES Bank publishes).
No. ClearToLend compares your details with YES Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with YES Bank and does not send your details to it.
