Yes Bank Kochi
Last Updated : Feb. 18, 2017, 11:20 a.m.
About Yes Bank
When it comes to availing the financial services, there are various lender in Kochi that offer you the same. But, amongst many, Yes Bank is the one,whom you can trust as far as availing the best financial services and products are concerned. Yes, you read that absolutely right! Being founded in the year 2004 under the guidance and supervision of Mr. Rana Kappor and Late Ashok Kapur, it would not be wrong to say that this renowed bank with its widest range of products serves your financial needs in the best possible way. Moreover, this is the reason that people of Kochi trust this financial lender when in financial need.
This reputed bank with its thoughtfully designed products such as Corporate, Retail, SME Banking Franchise, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business & Transaction Banking and Wealth Management Business ensures to transform the way people look at Indian banking. Each of these products is unique and fulfill your financial needs in the least time frame. That's why the customer base of the bank is increasing day by day, hence grabbing the attention of many. To know more about Yes Bank and its products in the city of Kochi, kindly go to the page below.
Yes Bank Kochi Branches
| Branch Name | Complete Address | IFSC | MICR | Customer Care |
| Kochi | First Floor, Puthuran Plaza, Northern Side, Kpcc Junction, M G Road Kochi Kerala 682011 | YESB0000096 | 682532002 | |
| Vytila | Ground Floor, Syama Business Centre, Nh Bypass, Vytila, Kochi, Kerala 682019 | YESB0000555 | 682532003 | 3004603 |
Products Offered by Yes Bank in Kochi
There are plenty of thoughtfully designed financial products that you can avail through Yes Bank in Kochi. Be it a personal loan, home loan , gold loan, loan against property and car loan, this full-service commercial bank offers all. To avail these products, you need to match the eligibility criteria set by the bank below.
Basic Details of Yes Bank Loans
| Product | Eligibility | Interest Rate (in p.a.) | Loan Amount | Tenure | Processing Fee |
| Home Loan | The 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. | 9.15% - 11.25% | ₹ 5L-500L | Upto 25 years | 1% 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. | 11.05% - 20.25% | ₹ 200,000- 20 Lakh | Upto 5 years | Upto 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. | 9.25% Onwards | ₹ 1Lakh-500 Lakh | 1-7 years | ₹ 5,000-10,000 |
| Gold Loan | An 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 Lakh | 0.005 | |
| 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 guidelines | Upto ₹ 5 crore | Upto 2 % of the loan amount |
Documents Required
| Product | Documents |
| Home Loan | Proof 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 Property | Proof 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 |