निजी क्षेत्र का बैंक (Private Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

यस बैंक एमपावर पर्सनल लोन

Yes Bank personal loan for salaried professionals up to ₹40 Lakhs with instant digital in-principle sanction.

ऋण राशि सीमा₹50,000 to ₹40,00,000

ब्याज दर (APR)10.75% - 20.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 2.50% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Yes Bank's primary retail personal credit facility designed for salaried professionals working in established corporate companies, government departments, and educational institutions.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹40 Lakhs without pledging assets • 100% digital end-to-end application via Yes Robot and Iris mobile app • Fast sanction turnaround time within hours • Flexible EMI repayment structure.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Confirmed permanent salaried employees in private limited companies, MNCs, and PSUs. Min Age: 21, Max Age: 60. Min Net Monthly Salary: ₹25,000. Min CIBIL: 720.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

12-month lock-in period; foreclosure charges 4% + GST after 12 months.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN Card, Aadhaar Card • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Bank Statement: Last 6 months bank statement showing salary credits.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• 12-month lock-in before any foreclosure or part-payment is permitted. • Foreclosure penalty of 4% + GST applies after 12 months. • Minimum net monthly income requirement of ₹25,000.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Log into Yes Bank Iris mobile app > Loans > mPower Personal Loan. Review pre-approved limit and e-sign.

2. नए ग्राहक (ऑनलाइन):

1. Visit yesbank.in > Personal Loans. Submit mobile number, PAN, and link bank statement via Account Aggregator.

3. बैंक शाखा में जाकर:

1. Visit nearest Yes Bank branch with 3 months salary slips, Form 16, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit in Yes Bank?

Up to ₹40 Lakhs depending on your net monthly salary and credit score.

What is the foreclosure charge?

4% plus GST on the principal outstanding after the initial 12-month lock-in period.

What is the minimum credit score required?

A minimum CIBIL score of 720 is recommended.