Information only
YES Bank is a private sector bank in the Reserve Bank of India (RBI) list of banks. RBI lists its address as Mumbai. The bank was placed under an RBI moratorium on 5 March 2020 and reorganised under the Yes Bank Limited Reconstruction Scheme, 2020, which came into force on 13 March 2020 with the State Bank of India as the main investor. In 2025, the Japanese bank SMBC agreed to buy a stake from SBI and other lenders. This page is an information summary, not an offer, and it does not compare YES Bank with other lenders.
Loans it offers
Loans YES Bank lists
| Loan | What to know |
|---|---|
| Home loans | Search results for the bank's site show a home loan and an affordable housing home loan. |
| Personal loans | A personal loan and a product called Loan in Seconds appear in the bank's consumer loan list. Ask what limits and checks apply. |
| Loans against property | A loan against property is listed for individuals and under business banking. Valuation and legal checks apply. |
| Business and MSME loans | The bank lists business loans and retail business loans, and its application form refers to micro loans against property and healthcare finance. |
| Car loans | A car loan is listed. The vehicle is hypothecated to the bank. |
| Two-wheeler loans | A bike loan is listed. |
| Gold loans | A gold loan appears by name in the bank's product list; we found no terms. |
| Loan against securities | Listed in the product list. |
How these loans work, on LOANZ 360: home loans, personal loans, loans against property, MSME loans, car loans, two-wheeler loans, gold loans. We could not open the bank's product pages directly on 8 November 2026, so this list is not marked as confirmed. The bank's own website is the record of its current products, eligibility and terms.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, as listed by RBI |
| Registered office (RBI listing) | Mumbai |
| 2020 reconstruction | RBI moratorium on 5 March 2020; reconstruction scheme in force from 13 March 2020, with SBI as the main investor |
| Largest shareholder | Sumitomo Mitsui Banking Corporation (SMBC) of Japan, according to news reports of its 2025 purchase |
News reports say SMBC completed the purchase of a 20 percent stake in YES Bank in September 2025 and became its largest shareholder. RBI approved it in August 2025 to hold up to 24.99 percent.
Before you apply
- The bank's 2020 reconstruction and 2025 change of shareholder are matters of public record. They do not change your rights as a borrower, and your loan terms are set by your sanction letter.
- Ask for the Key Fact Statement (KFS) and compare the annual percentage rate (APR) with other offers.
- Quick-decision products such as Loan in Seconds have their own limits and checks. Ask how the amount is set and what is excluded.
- For a loan against property, ask which property types and what valuation and legal checks the bank applies.
Processing, foreclosure and penal charges are set by the lender. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it. Compare published rates on interest rates.
Use interest rates and the lenders list to compare banks. The label on this page, lending partner or information only, is drawn by the site from live data. If the lender shows as information only, apply on the bank's own website.
Last updated 12 Nov 2026