Looking for a Business Loan from YES Bank?

Look no further. We summarise for you the information you may need to make a sensible decision.

Corporate Business Loans from YES Bank

Ranked one of the fastest-growing private sector banks in India, YES Bank offers a wide array of finance products to different segments of its customer base to meet their specific needs. The bank offers different business loans in addition to non-funded services to its corporate customers.

We look at six business loans from YES Bank in this page:

  1. Working Capital Loan
  2. Term Loan
  3. Foreign Currency Loan
  4. Structure Finance
  5. Corporate Finance
  6. Commercial Vehicle Loan

We give you a brief intro to these business loans below.

YES Bank Working Capital Loan

The YES Bank Working Capital Loan helps businesses finance their everyday operations such as for investment in current assets, purchase inventory, salary payments, power charges, etc. This a perfect loan scheme for businesses to manage cash flows and maximise business potential.

Features of YES Bank Working Capital Business Loan

Why this Loan?

  • This business loan can be taken for managing day-to-day operations related to running the business
  • The fund-based assistance under this scheme includes cash credit, Bill Financing, etc.

YES Bank Term Loan for Business

This loan helps businesses get financial assistance to meet their needs for growth and expansion of business. This is a need-based loan which means that the quantum of loan and other related details are decided by the bank on a case-to-case basis.


Features of YES Bank Term Loan

Why this Loan?

  • This business loan is meant for big and small businesses to obtain funds for expansion of a business
  • Borrowers can avail the YES Bank Term Loan to set a new industrial unit, expand or modernise a unit, purchase long-term assets for a business, etc.

YES Bank Foreign Currency Loan

This loan helps businesses raise funds to meet their needs by availing a foreign currency loan. YES Bank extends this loan as working capital loan, trade finance, project finance, etc.

Features of YES Bank Foreign Currency Loan

Why this Loan?


  • The loan is meant for business owners who want to avail a loan in foreign currency for their working capital and capital expenditure needs
  • YES Bank Foreign Currency Loan is a need-based loan

YES Bank Corporate Finance

The bank offers this as an umbrella loan scheme and has a range of business loan products to meet the needs of its corporate customers. The loan products under this scheme are specially designed for businesses in the Infrastructure sector.

Features of Corporate Finance

Why this Loan?

  • The YES Bank Corporate Finance schemes are perfect for businesses in the Infrastructure sector to meet their business needs and raise funds for existing or new projects
  • These loans are characterised by higher loan amounts and longer repayment periods

YES Bank Structured Finance

The bank offers this as an umbrella loan scheme and has a range of business loan products to meet the needs of its corporate customers. The loan products under this scheme are specially designed to structure complex transactions and mitigate risks for the borrower.

Features of Structured Finance

Why this Loan?

  • The YES Bank Structured Finance schemes are perfect for businesses that need funds for complex transactions such as business acquisitions, investing in a foreign market, etc.
  • These are need-based loan schemes and each detail such as quantum of loan, repayment period, etc. is decided by the bank on a case-to-case basis

Important Note: Even though the bank’s website has information available for a few business loan schemes at this time, there is a possibility that the bank may offer more corporate loan options which are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate for YES Bank Business Loans

  • The interest rate for the YES Bank business loans depends on various factors such as quantum of loan, type of business, risk rating, nature of project, repayment period, the structure of debt, etc. The applicable interest rate for each loan is not specifically mentioned on the YES Bank website. Please get in touch with a bank representative for more clarity

Eligibility for YES Bank Business Loans

  • Individuals, Proprietors, Partnership Firms, Private Limited and Public Limited Companies can apply for these loans

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card/ PAN Card Issue Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • For term loans: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For Term Loans Only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For term loans only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Reference Facts:

  • YES Bank Website: www.yesbank.in
  • Headquarters: Mumbai, Maharashtra
  • Call Centre Number: 1800 1200