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Yes Bank Personal Loan for Salaried in Delhi NCR through LoanMoney

Yes Bank Personal Loan for Salaried 

With quick and easy Personal loans from YES BANK, you can now go ahead and treat your loved ones to that long awaited holiday abroad or give your home a makeover. YES BANK Personal Loans allow you to fulfill your personal requirements instantly.

LoanMoney help you to embark on your dream at the right time with YesBank Personal Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements.

Yes Bank Personal Loan Features & Benefits in Delhi NCR

  Salaried
Age 25 - 58 Yrs
Loan Amount up to 40 Lacs
Tenure  12 to 60 Months
Rate of Interest / APR [Annual Percentage Rate] 11.49% - 17% [Depends on Net Take Home Salary, Loan Amoun & Employer]
Processing Fees Rs. 999/- to 2 %
Special > 12 EMI Paid - Foreclosure Charges Nil, Part Payment Permitted
Documentation Salary Slips, Address Proof, Identity Proof
Eligibility 60% Net Take Home Salary Considered as Repayment capacity
Minimum CIBIL > 700 Must
Provident Fund Deduction Must
Minimum Salary 18000/- p.m
Repayment of Total amount [Illustrative] on Rs. 1 Lac loan on @14% with processing Fees for 60 Months comes to Rs. Rs. 1.41 Lacs

 With quick and easy Personal loans from YES BANK, you can now go ahead and treat your loved ones to that long awaited holiday abroad or give your home a makeover. YES BANK Personal Loans allow you to fulfill your personal requirements instantly. read more...

Yes Bank Personal Loan Eligibility & Documentation in Delhi NCR 

Eligibility

  • 60% Net Take Home Salary Considered as Repayment capacity
  • Listed Companies CIBIL not Mandatory
  • Non LIsted Companies Minimum CIBIL > 700 Must
  • Provident Fund Deduction Must
  • Minimum Salary 18000/- p.m

Documentation

  • Photograph
  • PAN Card
  • Latest Current address proof [Not more than 2 months old]
  • 3 Months Latest salary slips ,
  • 6 month Banking of Salary a/c
  • Form 16 of last year read more...

Yes Bank Personal Loan Interest Rates and Charges in Delhi NCR

  • Interest Rate 14%Interest Rate 14%
  • Processing Fees Up to 2% of the Loan amount
  • Pre payment Charges Preclosure permitted after 12 months. 4% of principal outstanding(plus ST) afterwards 
  • Tenure 1 year to 5 years
  • Guarantor Requirement No guarantor required read more...

Yes Bank Personal Loan Frequently Asked Questions (FAQ) in Delhi NCR

Can I check my YES BANK personal loan statement online?
Customers can get in touch with the bank to get the latest statement of accounts, however, issuing these statements will attract charges of Rs. 750 per statement.

What are the pre-closure charges and the pre-closure process?
Pre-closure of Personal Loans from YES BANK is not permitted until the first 6 EMIs are paid. Once the first 6 EMIs are paid, charges levied are 4% on the POS (Principal Outstanding) until the complete payment of 12 EMIs. After the 12 EMIs are paid, future prepayments attract no extra charges. One thing to note is that part payment of the loan is not possible.
To initiate the pre-closure process, customers will have to intimate the bank of their intention via letters or emails. Once the request is received, the bank will request you to make the pending payments, following the completion of which, the bank will give the customer all relevant documents like the No Objections Certificate or the No Due Certificates and any post dated cheques (if applicable).

How can I receive my Repayment Schedule?
Customers can request the bank for repayment schedules at any instant, however, every copy of the repayment schedule that is sent to the customer will be charged at Rs. 750.

When is the NOC dispatched?
The NOC will be dispatched once the bank has confirmed that all charges related to the repayment of the loan have been paid by the customer. To get the NOC, the customer will have to pay an amount of Rs.750 to the bank. In case the customer wants a duplicate copy of the NOC, they can get in touch with the bank to request for one. They will have to pay a sum of Rs. 250 for each copy. read more...

Yes Bank MCLR Rate in Delhi/NCR

YES BANK - Marginal Cost of Funds based Lending Rate (MCLR) As per RBI guidelines, all floating rate rupee loans sanctioned and credit limits renewed w.e.f. Apr 01, 2016 will be priced with reference to the MCLR (other than exceptions permitted by RBI). MCLR for Yes Bank Ltd effective Mar 01, 2017 is as follows:

Tenor

MCLR %

Overnight

7.95

One month

8.30

 3 Months

8.40

 6 Months

8.60

1 Year

8.80

About Yes Bank

Yes Bank is India's fifth largest private sector Bank, co-founded by Rana Kapoor in 2004 Yes Bank is the only Greenfield Bank licence awarded by the RBI in the last two decades. YES BANK with a pan India presence across all 29 states and 7 Union Territories of India, headquartered in the Lower Parel Innovation District (LPID) of Mumbai, is the outcome of the professional & entrepreneurial commitment of its Founder Rana Kapoor and its top management team, to establish a high quality, customer centric, service driven, private Indian Bank catering to the future businesses of India.

YES BANK has adopted international best practices, the highest standards of service quality and operational excellence, and offers comprehensive banking and financial solutions to all its valued customers.

 
Loan Application

 

It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.

 

Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.

 

Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.

 

A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.

Different Purposes for Personal Loan through LoanMoney

Marriages are made in heaven and its celebration is one of the happiest and memorable events for married couples and their families. Wedding loan is available to people looking to meet their wedding expenses in order to make the wedding a grand success.
A Medical Loan is extended by a bank or a financial institution under the category of personal loans. A medical loan can be used for multiple emergency purposes such as an operation, surgery, procedure, therapy or for any concern related to health.
Balance transfer is the process where a customer transfers his outstanding principal amount to another bank or financial institute primarily for a better rate of interest and also for better features. Balance transfer reduces your interest rates and finally ensure saving.
The Credit Card Payment Loan is designed to allow you to take control of your finances and pay your credit cards off faster. This is made possible by consolidating your high-interest card balances into one monthly payment at a fixed rate and term.
The Education Loan aims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. Students enrolled in career-oriented courses e.g. medicine, engineering, management etc, can avail this.
Travel loan is a kind of Personal Loan that you can apply while planning a travel. It can help to cover the costs associated with your holiday, such as airfares, accommodation, hotel fares, tour packages, travel gears/accessories, or any other type of expenses associated with your travel.
Debt consolidation/ Financial Restructuring is a process to streamline one's financial stability and debt. Thus by consolidating many small debts with one debt, one gets favourable payment off terms and lower burden of EMI.
Home is the place where your story generates. Home Renovation Loans are designed for the purpose of renovating a house and can be taken by a person who owns the property to be renovated.

Disclaimer: LoanMoney is not a Loan Providing Organization. We are facilitating the Loan Process from various Banks & NBFC. The rate, eligibility criteria, term & conditions of various banks are subject to change as per bank discretion. We try our best to keep the data up-to-date, but we can't guarantee the accuracy of data provided in this site. LoanMoney help you to embark on your dream at the right time with many Banks/NBFC's Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements... read more

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