About Yes
Yes Bank Limited is an Indian private sector bank headquartered in Mumbai. Founded in 2004 by Rana Kapoor and Ashok Kapur, the bank has overcome challenges and continues to serve millions of customers across India with its comprehensive banking services.
1,200+
Branches
1,500+
ATMs
25,000+
Employees
Yes Mobile
Mobile App
💵 Savings Account
4.00%
Interest Rate
Minimum Balance Requirements
- Metro/Urban: Rs. 10,000
- Semi-Urban: Rs. 5,000
- Rural: Rs. 2,500
Yes Essence Account
Account Features
💰 Fixed Deposit (FD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 7-14 days | 3.75% |
| 15-45 days | 4.25% |
| 46-90 days | 5.25% |
| 91-180 days | 6.25% |
| 181 days - 1 year | 7.00% |
| 1-2 years | 7.50% |
| 2-3 years | 7.50% |
| 3-5 years | 7.25% |
| 5-10 years | 7.00% |
| Senior Citizen Extra | +0.75% |
* Rates are subject to change. Please verify with the bank before investing.
📈 Recurring Deposit (RD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 6 months | 6.25% |
| 1 year | 7.00% |
| 2 years | 7.50% |
| 3 years | 7.25% |
| 5 years | 7.00% |
🏠 Loan Interest Rates
Home Loan
9.00% - 11.50%
Processing: 1%
Max Tenure: 25 years
Car Loan
9.25% - 13.00%
Processing: 0.50%
Max Tenure: 7 years
Personal Loan
10.99% - 20.00%
Processing: Up to 2.5%
Max Tenure: 5 years
Education Loan
11.25% - 13.75%
Processing: 1%
Max Tenure: 10 years
Gold Loan
10.50% - 16.00%
Processing: 1%
Max Tenure: 1 year
Loan Against Property
10.00% - 13.00%
Processing: 1%
Max Tenure: 15 years
💳 Credit Cards
Yes First Preferred
Annual Fee: Rs. 2,499
8 reward points per Rs. 200
Yes Prosperity Edge
Annual Fee: Rs. 999
Cashback on spends
📦 Locker Charges & Service Fees
🔐 Locker Annual Rent
- Small: Rs. 3,500/year
- Medium: Rs. 7,000/year
- Large: Rs. 14,000/year
- Extra Large: Rs. 22,000/year
💸 Service Charges
- NEFT (Online): Free
- RTGS (Online): Free
- IMPS: Rs. 5 - Rs. 15
- Cheque Book: 25 leaves free
- Debit Card Annual: Rs. 199 - Rs. 599
- SMS Alerts: Rs. 25/quarter
📞 Customer Care Numbers
SWIFT Code: YESBINBB
IFSC Format: YESB0XXXXXX