Yes Bank की नवीनतम ब्याज दरें - September 2026

Yes Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Comprehensive update on latest deposit rates and retail lending schemes from Yes Bank (YES):

Key Deposit & Lending Highlights:

• Savings Account: Standard savings deposit rate starts at 2.50% p.a. on daily balances up to ₹1 Lakh, scaling to 3.00% – 3.50% p.a. on higher balance tiers.
• Fixed Deposits (FD): General 1-Year domestic term deposit rate stands at 6.65% p.a. (Senior citizens receive an additional +0.50% at 7.15% p.a.). Tenures between 12 months 1 day to 36 months offer up to 6.75% p.a. for general depositors (7.25% p.a. for senior citizens).
• Home Loans: Floating interest rates start from 9.00% p.a. linked to YES Bank's External Benchmark Lending Rate (EBLR/RLLR), with repayment tenures up to 30 years and zero prepayment penalties.
• Auto & Personal Loans: Car loan financing rates start from 9.70% p.a. for tenures up to 7 years. Unsecured instant personal loans start from 10.85% p.a. on a reducing balance basis.
• Credit Cards: Standard retail revolving finance charge is 3.49% per month (41.88% annualized; select cards vary from 29.88% to 45.00% APR) with an interest-free grace period of up to 50 days.

💡 Financial Recommendation: Maintaining a credit score above 750 allows borrowers to qualify for YES Bank's lowest risk-spread tier over EBLR and receive concessions on upfront administrative fees.