Yes Bank Guwahati

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About Yes Bank

Many of you will surely agree on the fact that there are many renowned lenders in the country, but there are very few who are actually ruling the game. And, when we say Yes Bank, it is important to mention few things factors related to it. Founded in the year 2004 under the supervision and guidance of Mr. Rana Kapoor and Late Ashok Kapur, there is no denying the fact that this full-service commercial bank has created its own space in the banking industry.  Keeping this in mind, the bank leaves no stone unturned to fulfill the financial needs of all its reliable customers via offering them an exclusive range of products related to Corporate, Retail, SME Banking Franchise, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business & Transaction Banking and Wealth Management Business. 

This is the reason that every year this private lender has been scaling new heights and is increasing its customer base each day. Be it loans, insurance, investment, cards or online banking, this lender is making sure to reach out all its customers in the best way and solve their financial needs in the least time frame. Well, what more to say, every day this lender is innovating and bringing something new to all its customers around the globe. To more know more about Yes Bank Guwahati products, go to the page below. 

Yes Bank Guwahati Branches

Branch Name Complete Address IFSCMICRCustomer Care
Guwahati Ground Floor Of Asian Complex, G.S. Road, Ulubari, Guwahati Assam 781007 YESB0000065781532002
Beltola, Guwahati Shop No: 95, 102, 104, 105. First Floor, Megha Plaza Complex, Beltola Chariali, Guwahati, State: Assam, Pin: 781028
YESB000048178153200397007137700
Fancy Bazaar, Guwahati First Floor, Tirupati Metals, Srcb Road, Fancy Bazar, Guwahati 781001
YESB00004827815320048721046211

Products Offered by Yes Bank in Guwahati

No matter what financial needs you have in life, Yes Bank with its wide range of financial products such as car loan, personal loan, gold loan, loan against property and home loan ensures to meet all your needs in the best possible manner. Moreover, the best thing about these products is the fact that they all come to you easily, only if you meet the eligibility criteria of the same. Different products have different eligibility norms so to avail the same, you can know the eligibility norms of the same in the page below.


Basic Details of Yes Bank Loans 

Product
EligibilityInterest Rate (in p.a.)

Loan Amount TenureProcessing Fee
Home LoanThe applicant must be atleast 23 years of age at the time of availing the loan.

The maximum age of the applicant should be 60 years at the time of loan maturity.

If you a salaried or self-employed individual with regular source of income, you can apply for the same.
9.35% - 13.50%₹ 5L-500LUpto 25 years1% of the loan amount
Personal Loan The minimum age of the applicant should be 22 years at the time of taking the loan.
The maximum age of the applicant should be 58 years at the time of loan maturity.
Net monthly income of the applicant should be ₹25,000.
He/she should have minimum 6 months salary account with Yes Bank.
The applicant should have 2 years of total work experience.
Minimum 6 months experience with current employer is required.
13.99% - 16.99% ₹ 200,000- 20 LakhUpto 5 yearsUpto 2 % of the loan amount
Car Loan The minimum age of the applicant should be 21 years at the time of taking the loan.
The maximum age of the applicant should be 65 years at the time of loan maturity.
The annual income of salaried individuals should be ₹3,00,000 or above.

The annual income of self-employed should be ₹2,00,000 or above.


The applicant should have 2 years of total work experience.

Minimum 6 months experience with current employer is required.
8.80% - 13.70%₹ 1Lakh-500 Lakh1-7 years₹ 5,000-10,000
Gold LoanAn individual must be an Indian resident.
The minimum age of the applicant should be 18 years at the time of taking the loan.
The maximum age of the applicant should be 65 years at the time of loan maturity.

The purity of the gold against, which loan is available should be 18-24 karat.
12.00% – 14.50%₹25,000-50 Lakh0.005
Loan Against Property The minimum age of the applicant should be 23 years at the time of taking the loan.
The maximum age of the applicant should be 60-65 years at the time of loan maturity.
Minimum annual income of an applicant should be ₹3-4 Lakh per annum

Salaried:
 The experience of 6 months in current employment, 3 years in total employment.

Self-employed:

Minimum 3 years of experience in bussiness/profession.

As per bank's guidelinesUpto ₹ 5 croreUpto 2 % of the loan amount

Documents Required

ProductDocuments
Home LoanProof of Identity and Signature
Proof of Address (Office and Residence)
Income Documents:
Salaried : 2 Latest salary slips and IT Returns / Form 16 for last 2 years
-  Self Employed Professionals : Last 2 years IT Returns with computation of income, audited Balance Sheet and Profit & Loss account including tax audit report if applicable and proof of turnover vide latest sales / service tax returns

  Self Employed Businessmen / Retail SME Enterprises : Last 2 years IT Returns with computation of income, audited Balance Sheet and Profit & Loss account including tax audit report if applicable and proof of turnover vide latest sales / service tax returns
Last 6 months bank statement of salary / main operating bank account

Details of all existing loans
Additional Documents in case of Partnership Firms: Partnership Deed

Personal Loan Proof of identity, age, address and Signature
Salary slips of the last 3 months and IT Returns for the last 2 years
Bank Statement of salary account for the last 6 months
Car Loan Duly filled up application form
Latest photograph
KYC documents as per bank's policy
Income proof
Gold Loan 2 Passport size photographs
Proof of Identity
Address Proof
Signature Proof
Additional document for Sole Proprietorship Concern
Business Proof
Loan Against PropertyProof of Identity and Signature
Proof of Address (Office and Residence)
Income Documents:
-  Salaried : 2 Latest salary slips and IT Returns / Form 16 for last 2 years
-  Self Employed Professionals : Last 2 years IT Returns with computation of income, audited Balance Sheet and Profit & Loss account including tax audit report if applicable and proof of turnover vide latest sales / service tax returns
-  Self Employed Businessmen / Retail SME Enterprises : Last 2 years IT Returns with computation of income, audited Balance Sheet and Profit & Loss
Last 6 months bank statement of salary / main operating bank account
Details of all existing loans
Additional Documents in case of Partnership Firms : Partnership Deed
Additional Documents in case of Private / Public Limited Company: Memorandum & Article of Association and List of Directors & Shareholders
Copies of all property documents*The check list is only indicative and not exhaustive. Depending upon the local requirements at different places addition could be made as per necessity

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Personal Loan Interest Rates November 2017
Bajaj Finserv 11.99% - 15.50%
Fullerton India 14.00% - 33.00%
HDFC Bank 10.99% - 20.70%
ICICI Bank 11.00% - 18.40%
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Standard Chartered Bank 10.99% - 14.49%
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Home Loan Interest Rates November 2017
State Bank of India/SBI 8.30% - 8.60%
HDFC 8.35% - 8.95%
Bank of Baroda 8.30% - 9.30%
LIC Housing 8.35% - 8.70%
PNB Housing Finance 8.35% - 8.70%
ICICI Bank 8.35% - 8.85%
Axis Bank 8.35% - 8.75%
Citibank 8.60% - 9.35%
Indiabulls Housing Finance Limited 8.35% - 8.55%
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