YES Bank is India’s fourth largest private sector bank, uniquely holding a Greenfield Bank licence from RBI. It excels in Corporate, Retail, and SME Banking, offering Financial Markets, Investment Banking, and more nationwide.
Different Types of Products and Services Provided by YES Bank
YES Bank caters to diverse customer segments like Retail, Corporate, and SME Banking Sectors and has products and services to align with the requirements of each of these sectors. The various products and services provided by the Bank are:
- YES Bank Deposits
- YES Bank Loans
- YES Bank Cards
- YES Bank Investment
- YES Bank Insurance
- YES Bank Banking Services
YES Bank Deposits
To start your saving journey, you can open a YES Bank Savings Account. To make your business dealings simple and hassle-free, route your business transactions through YES Bank Current Accounts, and to save for big-ticket commitments like owning a home or for the higher education of children, marriage, etc., invest surplus funds in YES Bank Term Deposits now and earn high returns.
YES Bank Savings Account
The bank has tailor-made savings accounts for diverse needs.
Type of Account | Primary Features |
MyFirst YES Savings Account | AMB: Rs. 2500Account to start your child’s financial journeyCustomise withdrawal limits on debit card |
YES Pro Max Savings Account | AMB: Rs. 50000Lifestyle benefits up to Rs. 117 lacsAttractive Debit Card offersEarn up to 25000 YES Rewardz points |
YES Pro Plus Savings Account | AMB: Rs. 25000Earn up to 16000 YES Rewardz in the first year30% discount on locker rent and Demat AMC for the 1st year |
YES Essence Savings Account | AMB: Rs. 25000Customised Debit Card with 2% cash back100% discount on locker rent and Demat AMC for the 1st year |
YES PRO Savings Account | AMB: Rs. 10000Unlimited access to any bank ATMDiscount on locker rent and Demat AMC |
Senior Citizens Savings Account | AMB: Rs. 25000Lifetime free Element Debit CardFree SMS Alert |
Pradhan Mantri Jan Dhan Yojna | No minimum balancePMJDY RuPay Debit CardAccident Insurance CoverAccess to financial and banking services at affordable charges |
YES Digital Savings Account | AMB: Rs. 1000Video KYC enabledContactless Account opening10% discount on locker rent/demat AMC for the 1st yearNil brokerage for trading up to Rs. 5.00 lacs by YES Securities LtdFree Virtual Debit Card |
YES Bank NRE Account | Principal and interest are exempted from tax in IndiaBalance in the account repatriableHigh ReturnsInternational Debit CardOverdraft facility availableAccount maintained in INR |
YES Bank Current Accounts
Type of Account | Primary Benefits |
Freedom Flexi 25 | AMB Rs. 25000Free cash deposit up to 4 times current AMB. Minimum: Rs.2 lacs Maximum: Rs. 1 croreFree cash withdrawal at all YES Bank branchesFree 50 DDs and 50 cheque leaves per monthAccess to YES Bank Net Banking (Retail and Corporate), YES Smart Trade and YES MSMEAutomatic transfer to a higher or a lower account depending on transactions |
Club 25 | AMB: Rs. 25.00 lacsPreferential charges for all international business needsFree RTGS/NEFTFree cheque book facilityWaiver of cash deposit and cheque return chargesOver 30 banking services without chargesFree cash deposit limit: 20 times the current AMB or Rs. 10 crores whichever is higherUnlimited free DDs |
Other YES Bank Current Accounts
Freedom Flexi 45 | Freedom Flexi 100 |
Freedom Flexi 300 | Freedom Flexi 500 |
TradesBiz Rewards Plus Account | Current Account for Emerging Markets |
Xtra Gain Current Account | YES Head Startup |
YES Bank Cards
The variants of YES Bank Debit Cards and Credit Cards are manifold. Some of the top YES Bank Debit Cards and Credit Cards are given below:
YES Bank Debit Cards
- YES Premia World Debit Card
- YES Prosperity Platinum Debit card
- YES Prosperity Titanium Plus Debit Card
- YES Prosperity Titanium Debit Card
- YES Bank Visa Platinum Debit Card
YES Bank Credit Cards
- YES Private Credit Card
- YES Private Prime Credit Card
- YES First Exclusive Credit Card
- YES First Preferred Credit Card
- YES Premia Credit Card
- YES First Business Card
- YES Prosperity Business Card
YES Bank Loans
YES Bank Loans are designed to meet consumer, commercial, and business needs. The variants under YES Bank Loans are:
Type of Loan | Primary Features |
Home Loan | Loan for the purchase of a flat/house, construction of a house, the purchase of a plot and construction thereon, home loan top-up loans, and transfer of home loan balance from other banksAmount: Up to Rs. 10.00 crore. Need-based depending on the value of the property and repayment capacityTenure: Up to 35 years |
Car Loan | 100% of the on-road price of the carInstant sanction using YES RobotTenure: Up to 84 monthsStep-up EMI and balloon repayment options are available |
Personal Loan | Loan up to Rs.50 lacsAttractive interest ratesPart-payment permittedTenure: 72 months |
Loan against property | Up to 85% of the value of the propertyPay interest only up to what you consumeTenure: 15 years |
Other YES Bank Loans
YES Bank Gold Loan | Loan against Securities |
Retail Business Loan | YES Khushi Affordable Housing Loan |
YES Sampoorna Micro Lap | Commercial Vehicle Loan |
Construction Equipment Loan | Business Equipment Finance |
Health Care Finance |
YES Bank Investment
YES Bank with an understanding of the safety of your investment has devised Term Deposits which are a very lucrative investment plan with high returns. The different term deposit options in YES Bank are:
Type of Deposit | Primary Features |
Floating Rate Fixed Deposits | The FD interest rates are linked to the prevailing Repo RateThe interest rates are reset on the 1st of every month depending on the prevailing Repo RateOverdraft facility up to 90% of the depositMinimum deposit: Rs. 10000Tenure: 1 to < 3 yearsSenior citizens are offered 0.50% additional interest over and above the regular domestic FD rates for deposits up to Rs. 2.00 crores and .45% additional interest for deposits over Rs. 2 crores and up to Rs. 5 crores |
Tax Saver Fixed Deposit | Can avail of tax benefit up to Rs. 1.50 lacs under Section 80CMinimum Deposit: Rs. 10000Maximum Deposit: Rs.1.50 lacsTenure: 5 yearsCan opt for quarterly interest payout or payout on maturity |
NRE Fixed Deposit | Deposit maintained in INRBalance in the account repatriableTenure: 1 year to 10 yearsTax exemption for both principal and interestOverdraft facility available |
Other YES Bank Deposits
- NRO Fixed Deposit
- FCNR Deposit
- RFC Deposit
YES Bank Banking Services
YES Bank provides an array of banking services to make the banking experience for its customers a pleasurable and convenient experience
- YES Bank Net Banking: Both Corporate and Retail customers can avail of the YES Bank Net Banking Services. Retail customers are provided with a retail login and corporate customers are given a corporate login. The customers can seamlessly transfer funds to accounts in YES Bank as well as in other banks from anywhere and at any time.They can also conduct various non-financial transactions like downloading YES Bank Statement, requesting a cheque book, managing debit and credit cards, etc.
- YES Bank Mobile Banking: Customers of YES Bank can avail of the service of YES Bank Mobile Banking by downloading the YES Mobile app. On registering for the mobile banking services of the bank they can conduct several financial and non-financial transactions with their smartphone.
- Missed Call Banking: Give a missed call to YES Bank Balance Check Number 09223920000 and get your account balance via SMS. Give a missed call to 09223921111 for a mini-statement
- SMS Banking: To get your account balance you can send an SMS to YES Bank Balance Check Number 09223920000 in the format provided for balance check and you will get your account balance via SMS.
YES Bank Customer Care
For any help regarding your account with the bank and to get information about the products and services of the bank you can contact the YES Bank Customer Care in various ways as given below:
- You can call the toll-free YES Bank Customer Care Number 1800 1200 between 8 am to 8 pm. Only critical services are offered between 8 pm and 8 am
- The YES Bank Customer Care Numbers for customers outside India are:
- 02250795101 (from outside the country)1833 380 0149 (USA)800 048 9153 (K)
- 8000 3570 2510 (UAE)
- For credit card queries, YES First/Premia Cardholders can call the YES Bank Customer Care Number 1800 103 6000 and YES Prosperity Cardholders can call the YES Bank Customer Care Number 1800 103 1212
YES Bank FAQ’s:-
You have the option to either service only the interest or service both the interest as well as the principal for the YES Bank Gold Loans.
Senior citizens are provided an additional 0.50% interest over and above the regular FD rates.
Yes. YES Bank accounts can be opened by submitting online application forms available on the bank’s website.
The documents required for YES Bank Personal Loan are:
Photo ID Proof
Address Proof
Income Proof
The maximum tenure for YES Bank Home Loans is 35 years.
The maximum tenure for YES Bank Car Loan is 84 months.