YES Bank Home Loan: Rates, Eligibility & Fees 2026
YES Bank offers home loans for purchase, construction, affordable housing, balance transfers, and top ups with flexible repayment options and digital service. Butter Money helps you compare suitable choices and apply with clear, dependable guidance. Apply confidently.
Interest Rate
8.35%
p.a. onwards
Processing Fee
₹5,000
+ GST
Max Tenure
30 Years
Max LTV
Up to 80%
Zero Hidden Charges
Transparent pricing you can trust
Fast Approval
Quick approvals with less paperwork
Loan Assistance
Expert guidance at every step
Exciting Cashbacks
Save more with exclusive offers
What stands out with YES Bank
- Tenure up to 30 years
- Home purchase financing
- Construction finance
- Affordable housing option
- Balance transfer facility
- Top-up loan option
- Flexible repayment options
YES Bank home loan at a glance
| Lender type | Private bank |
| Starting rate | 8.35% p.a. onwards |
| Products | Home loan |
| Funding (LTV) | Up to 80% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
YES Bank Interest Rates
By product, CIBIL score & applicant type
Home loan
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| 800 and above | 8.35% onwards | 8.35% onwards |
| 750–799 | 8.35% onwards | 8.35% onwards |
| 700–749 | 8.35% onwards | 8.35% onwards |
| 650–699 | 8.35% onwards | 8.35% onwards |
Starting rates for each CIBIL band. Your final rate also depends on the loan amount, property and profile.
Fees & Charges
Popular YES Bank Schemes
Find the right YES Bank product for your needs
| Scheme Name | Best Suited For | Interest Rate |
|---|---|---|
| YES Home Loan | Home purchase or construction | 8.35% onwards |
| YES Affordable Home Loan | Affordable housing | 8.35% onwards |
| Balance Transfer | Existing home loan transfer | 8.35% onwards |
| Top-Up Loan | Additional funding | 9.35% onwards |
YES Bank vs Similar Lenders
Lenders with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| YES Bank (this page) | Private bank | 8.35% onwards |
| IndusInd Bank | Private bank | 8.45% onwards |
| DBS Bank | Foreign bank | 8.70% onwards |
| IDFC FIRST Bank | Private bank | 7.75% onwards |
YES Bank Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at YES Bank's rates.
Illustrative calculation based on the selected rate. The rate defaults to 8.35% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh YES Bank home loan over 20 years at 8.35% costs ₹42,918 a month, or ₹53,00,236 in total interest. Every 0.25% higher adds about ₹790 a month.
YES Bank Home Loan FAQs
Can I prepay my YES Bank home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow YES Bank to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will YES Bank fund?
YES Bank funds up to 80% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
What is the starting interest rate for YES Bank Home Loan?
YES Bank Home Loan starts from 8.35% p.a.
What is the processing fee?
The processing fee starts from ₹5,000 + GST and can be percentage-based for higher loan amounts.
What is the maximum home loan tenure?
The maximum tenure is 30 years.
What CIBIL score is preferred?
A stronger credit score supports better pricing and eligibility.
What documents are required?
KYC, income and property documents are required as listed in the Documents tab.
Can I transfer my existing home loan to YES Bank?
Yes. Home loan balance transfer is available for eligible borrowers.
Final terms are set by YES Bank at sanction. Source: YES Bank.