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Yes Bank Personal Loan in Aurangabad

Interest Rate starts from 10.75%

Yes Bank Personal Loan Interest rates in Aurangabad

Please Find the Detailed Yes Bank Personal Loan Interest Rates

Up To 2,00,000
CAT B10.75%
Super CAT A10.75%

Features of Yes Bank Personal Loan Aurangabad

Type Features
Processing FeeUp to 2.50%
Pre Closure ChargesAbove 48 Months Nil
Part Payment ChargesAllowed post repayment of 12 EMI’s

Yes Bank Personal Loan Aurangabad Charges

Type Charges
E M I Bounce ChargesRs.750/-
Duplicate Statement ChargesRs. 750/-
Cheque Swapping ChargesRs.750/-
Issue Amortization Schedule DuplicateRs. 250/-

Documentation For Personal Loan

  • Filled Application form
  • Identity Proof (PAN CARD)
  • Address Proof
  • Latest 3 months Payslips
  • Job Continuity Proof
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Filled Application form
  • Identity Proof
  • Address Proof
  • Last 2 years Income Tax Returns
  • Professional/Self employed existence proof for more than 3 years
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Passport
  • Driving License
  • PAN card
  • Photo credit card (with embossed Signature and last two months statement)
  • Banker's sign verification
  • PAN Card
  • Passport
  • License
  • School leaving certificate
  • Voter card
  • Birth Certificate
  • LIC policy (only for age Proof)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Form 16
  • Relieving letter
  • Appointment Letter (for last two months)
  • Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
  • Bank statements of latest 2 months
  • 3 months bank passbook

Yes Bank Personal Loan FAQ's

About Yes Bank

YES BANK, India’s fourth largest private sector Bank with a pan India presence across all 29 states and 7 Union Territories of India, headquartered in the Lower Parel Innovation District (LPID) of Mumbai. Yes Bank is the only Greenfield Bank licence awarded by the RBI in the last one decade. YES BANK is a “Full Service Commercial Bank”, and has steadily built a Corporate, Retail & SME Banking franchise, Financial Markets, Investment Banking, Corporate Finance, Branch Banking, Business and Transaction Banking, and Wealth Management business lines across the country.

YES BANK has adopted international best practices, the highest standards of service quality and operational excellence, and offers comprehensive banking and financial solutions to all its valued customers.

YES BANK has a knowledge driven approach to banking, and offers a superior customer experience for its retail, corporate and emerging corporate banking clients. YES BANK is steadily evolving as the Professionals’ Bank of India with the long term mission of “BUILDING INDIA’s FINEST QUALITY LARGE BANK”.

Yes Bank Highlights

Yes Bank, received “India’s Fastest Growing Bank of the Year” award at the Bloomberg UTV Financial Leadership Awards 2011
Bank of the Year India, The Banker London - 2015
YES BANK was voted India's 3rd Most Trusted Private Bank in 2014 according to the Brand Trust Report 2014, a study conducted by Trust Research Advisory, a brand analytics company
YES BANK won the GOLDEN PEACOCK INNOVATIVE PRODUCE/SERVICE AWARD-2017

About Other Banks

Personal Loan Can Be Used For Many Purposes Like Below

Higher Education

Marriage

Vacations

Festivals

Medical Emergency

Home Renovation

Consumer Goods

School Fees

Why to Avail Personal Loans?

Multi-purpose loan
No security or Collateral free 
Fixed rate of Interest
Flexible tenures from 6 months up to 60 months based on the profile of the customer.
Quick processing and recommendable in emergency
Loan payable (Repayment) in easy installments
Repayment through ECS / Auto-debit / PDC
Applicable charges- Processing fee, Pre payment charges and delay charges
No part payments allowed
Online application with less paper work.
Credit score can be improved on complete payment without any delays
Age limits - min 18 years to max 55 years
Online application with less paper work.
Min loan amount 50,000
Max loan amount up to 20,00,000

Expert Advice

Best Practices for Personal Loan

Clear Identification of purpose and planned Budget.
Cost - benefit analysis
Peer comparison- ROI, PF and other charges and repayment tenor (shop around)
Know your credit history score and eligibility
Plan the repayment from the regular incomes than from futuristic/speculative income.
Check various other alternatives before availing a personal loan.n
Be clear on payment date and mode of payment like ECS, Online payments, Post dated cheques.
Terms and conditions to be clearly understood before signing up the agreement.
Take payment protection insurance
Ensure proper updation of contact details.

Things not to do for Personal Loan

Do not jump to apply a loan do the necessary homework
Do not borrow more than what is required.
Do not apply loan at too many places at a time.
Do not sign personal loans for others
Do not sign the terms and conditions without reading
Do not rush with the process.

Factors that affect interest rates on Personal Loan

Banks charge a different rate of interest depending on a whole host of factors. The interest rate can broadly vary between 14 - 24%. We take you through three such individual details that can affect the rate of interest charged by the bank.

1) Credit/CIBIL History:-
 If you have good credit/CIBIL record then banks will definitely award you with a better rate of interest. This means that if you have taken a loan previously and managed to pay it off without defaulting then you will have a high credit/CIBIL score. Apart from the loan the banks also take into account payment of your credit card bill record.
2) Nature of Employment:-:-
The nature of your job also plays a crucial role in determining the interest rate. Banks have different checks in place if you are a salaried individual vis-à-vis a self employed person. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest. But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement.
3) Bank-Customer relationship:-:-
If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway. This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0.5-1% on the interest rate. So next time you go around shopping for a personal loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied. In the next article we will cover more points that affect interest rates on personal loan. So stay tuned!

Personal Loan Advantages and Disadvantages

Personal Loan Advantages:

A) Easy availability:
 A lot of banks offer personal loans of various amounts and durations. You can pick and choose between them.
B) No collateral:
Personal loans are not very large amounts. They rarely exceed Rs. 4 lakhs. So there is no need to put up security or collateral against personal loan.
C) No criteria:
You can opt for a personal loan without having to explain to the bank why you need it. You can take a personal loan for any purpose including travelling, home repairs, medical emergencies.
D) Quickly available:
If you have a relationship with a bank you can get a personal loansanctioned within 24 hours. Personal loans also require very little paperwork.
E) Improves credit history:
If you regularly pay your EMIs on time then personal loans are a great way to improve your credit record. An improved CIBIL credit record can be very beneficial when you are looking for a new loan.

Personal Loans Disadvantages:

A) High interest rates:
 After credit cards, personal loans have the highest interest rates among credit products. Sometimes personal loans have higher rates than credit cards also.
B) High pre-payment penalty:
If you pre-pay your personal loans, banks often charge a high penalty.
C) Need good credit history:
Today, most banks give personal loans only to people with a good credit history. If someone regularly takes personal loans, he may be seen as someone who is not careful with his finances.
D) Affects credit report: 
If you default on your personal loan your CIBIL credit report reflects it and your credit rating and credit score are affected.
E) Bad image:
If banks access your CIBIL credit report and see a large number of personal loans, you are seen as someone who constantly needs money and who is indiscipline.

10 Things to Keep in Mind While Taking a Personal Loan

A personal loan must be taken only for emergencies. These include medical emergencies, urgent repairs to your home or if you need to cover up a shortfall in an education loan or any other emergency needs.
Loans must not be taken for holidays, investing in stocks, buying expensive gadgets etc.
The amount you pay for a personal loanshould ideally not be more than 25 percent of your salary every month.
Flexible tenures from 6 months up to 60 months based on the profile of the customer.
Do your research before applying to a bank for a personal loan. Lots of banks have different rates of interest for different loans. (Check here)
Don't choose a flat rate of interest. Always choose an option that calculates interest on the reducing balance method.
Bargain with banks so that they don't charge you a pre-payment penalty charge.
Try and keep the loan term short, preferably 1-3 years.
Do not take too many personal loans as it reflects on your credit history.
Banks may tell you that you have been pre-approved for a personal loan and that you can get the loan cheaper than other customers. Check for it.
If you have a very large credit card debt (interest on credit cards is usually between 25%-30% percent for a month), you can take a personal loan to pay that off (interest on personal loans is between 13% -17% for a month).

Personal Loans Precautions

1. Clear Identification of purpose and planned Budget:  

One should have a clear identification of purpose of availing personal loan. Never opt for a personal loan only just because you can. Going for personal loan is a wise decision only in case of emergency and where the purpose is unavoidable. Apart from the purpose one has to also plan and budget the total requirement well in advance before applying for a personal loan.
Borrowing more than what is required leads to unnecessary debt. In certain instances borrowing far less than required amount may result in not serving the purpose. Therefore one has to make complete budget of the purpose and plan his / her borrowings accordingly. It is always to be noted that money one's spent is lost forever and unnecessary debt can lead to financial stress.

2. Understand the need Vs personal Loan:

Before opting for a personal loan one has make cost – benefit analysis of various kind of other loans which customer can get in the market. In case of emergency and unavoidable situations you can go for personal loan but where the purpose is to improve the life – like buying a fuel efficient car customer has to analyze the cost and benefits involved in the long run. In this scenario it is to be understood that in long run the benefits from purchase of new fuel efficient car should be greater than the interest charges and other costs involved in availing personal loan.

3. Check for Better rate:

Before availing a personal loan from any particular Bank/ NBFC customer has to compare interest payable and other charges to know the best annual percentage rates available in the market. Though the customer has a pre approved personal loan at a concessional rate with a particular Bank, he/ she might get the loan at a comparatively still lower rates with others. Therefore it is always better to check with 3-4 Banks before making the mindset to proceed with any one in particular. ApnaLoanBazaar will always provide the industry best rates, which are available in the Indian market. Check for Personal Loan Interest rates with ApnaLoanbazaar

Also the repayment tenure is other point to be noted before taking a loan. Eg: Some Bank's may offer maximum repayment tenor of 36 months whereas some others may offer maximum up to 60 months. Customer has to decide the repayments based on his income in consideration of his / her other obligations.

4. Credit scoring & Eligibility Criteria: 

Personal loans best feature is collateral free and quick loan process, Hence Bank/NBFC will carefully analysis of your credit history. Customers with good credit history score will have high bargaining power. Customers with moderate / Low credit history may end up taking loans at higher rate of interest and Banks will have advantage of it. Customers have to ensure that they do not have any overdue while going for a personal loan. It is advisable to clear the credit card outstanding and other loan overdue before going for a personal loan as it improves credit worthiness. It is to be noted that not only income of the customer but Leverage is considered for arriving the limits. Generally Bank/NBFC prefer the credit score is above 730 for funding the personal Loan.

ApnaLoanBazaar will help you to know your CIBIL(Credit) Score: Know your Credit Score here

5. Plan the repayment from the regular:

Customer has to be aware of repayment tenor, monthly repayment date, mode of payment and installment amount. Repayment tenor to be planned based on the income and obligations. Over burden of EMI may result in delay and sometimes even default of the loan amount. Customer shall not forget the repayment date and maintain sufficient balances in the account for meeting the EMIs. Payment of EMIs by way of ECS through account is preferable to avoid unintentional delays. Even online payment from account is a suggestible mode of payment. In case of salaried employees it is better to opt the monthly repayment date to be within first week of the month. In case of entrepreneurs/ Businessmen the EMIs are to be planned from their regular income than depending on some other futuristic/speculative sources.

6. Terms & Conditions:

All the terms and conditions to be read carefully, before sign the loan agreement. Terms in smaller font to be observe carefully. Payment terms to be noted and have to maintain sufficient balance in the account for meeting the EMIs. Check the correctness of the updated personal details. Mobile alerts, Email alerts will remind the due date of payment and confirm the receipt of amount. In his/ her busy schedule customer may forget the due date whereas these alerts will remind them and help in making the payments on time.

Other Important Points to be noted:

In general the larger the loan amount the lower the interest rate. In some instances you may save on borrowing slightly higher. Plan accordingly.
Do not make late payments; there is risk of delay charges and increase in annual rate. This will also affect your credit history.
Co-signing of any other individuals’ personal loan to be done with extreme caution because any default by them will affect your credit history.
Good payment track will improve the credit history and make you eligible for additional loans with lower interest rate benefits.

About Aurangabad

Aurangabad District, also called Sambhaji Nagar, is one of the 36 districts of Maharashtra state in western India. The history of Aurangabad can be traced back to 1610, when the former Abyssinian slave and then prime minister of the Muslim kingdom of Ahmednagar, Malik Ambar establishment a city on the site of an old village called Khirki. His son Fateh Khan named the city he ruled over, Fatehpur in 1626.

Modern Aurangabad retains an Islamic ambience and still retains an old world charm. Veiled women (in burkhas) move about in the Chowk area, the call of the muezzin can be heard over the din and bustle of traffic, and come Friday, large crowds veer towards the mosques for ritual prayers. But the city has donned a more contemporary face as a major industrial centre for pharmaceuticals, automobiles, textiles and electronics and as the gateway to the cave temples of Ajanta & Ellora.

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Places To Be Visited In Aurangabad

Khuldabad

    The place is a holy shrine for Muslims. It is a wonderful place surrounded by mountains and it offers scenic view. The city walls constructed by Aurangazeb were ruined and you could see ruins of ancient buildings. The Tombs of Aurangazeb, Khan Jahan’s Lal Bagh and various other Tombs are found here.

Bani Begam Bagh

    The beautiful garden was created by the grandson of Aurangazeb in memory of Bani Begum, his wife. This is a perfect place if you want to relax on your tour and keep your spirits soaring. The garden reflects the style of Mughal architecture.

Ghrishneshwar Temple

    Ghrishneshwar Temple belongs to 18th century. It is just half a kilometer from Ellora Caves. The marvelous architecture is awe-inspiring though you cannot hope to see the complete ancient architecture here owing to the damage caused by Aurangazeb. A peaceful place and it is frequented by tourists, as it is one of the twelve Siva temples.

Ajanta Caves

    Ajanta Caves top the list of favorites when one visits Aurangabad. Declared as World Heritage Site by UNESCO, Ajanta Caves have been visited by tourists from all parts of the world. The mural paintings in Ajanta Caves display unique style that cannot be seen in any part of the world. The paintings depict the events on the life of Buddha and there are illustrations on Buddhist deities. The stunning paintings reveal the skills and artistry of the artists and they effectively narrate the events without the need for words. A lot of researches were undertaken to learn about the mystery behind the life of paintings. The paintings have withstood the test of time and the colors are fresh and glowing.

Ellora Caves

    Ellora Caves throw light on the tolerance of the people of ancient India who were ready to accommodate other beliefs and faiths. Ellora Caves are spaced over 2 kilometers and there are 34 caves representing three religions namely Buddhism, Hinduism and Jainism. The monuments date between 600 A.D. and 1000 A.D. All the 34 temples and monasteries were dug adjacent to each other in the walls of a cliff. The first 12 caves are Buddhist Caves and they are the oldest. The next 17 caves are the Hindu Caves. The last 5 caves are Jain Caves. The architectural expertise and the efforts taken by the artisans in constructing buildings out of rocks have no words to admire enough.

Devgiri Fort

    Devgiri Fort is situated in the village of Daulat. The massive fort immediately attracts you and has you spellbound the moment you set your eyes on it. The fort was considered to be constructed by Billamraja who ruled Daulatabad during 1187 A.D. The most interesting fact about the fort is that it remained unconquerable throughout. The architectural wonder was built to provide the best defense to the rulers and it was very well achieved, as the fort was never won.

Total Number Of Branches In Aurangabad (507)

YES BANK (56 Branches)STATE BANK OF INDIA (53 Branches)STATE BANK OF HYDERABAD (46 Branches)BANK OF MAHARASHTRA (44 Branches)PUNJAB NATIONAL BANK (27 Branches)HDFC BANK (20 Branches)CENTRAL BANK OF INDIA (17 Branches)IDBI BANK (16 Branches)ICICI BANK LTD (14 Branches)STATE BANK OF INDIA (14 Branches)BANK OF BARODA (14 Branches)SARASWAT CO-OP BANK LTD (13 Branches)CANARA BANK (12 Branches)PUNJAB NATIONAL BANK (11 Branches)THE SHAMRAO VITHAL CO-OP BANK (8 Branches)UNION BANK OF INDIA (7 Branches)KOTAK MAHINDRA BANK LTD (6 Branches)DENA BANK (6 Branches)BANK OF INDIA (6 Branches)AXIS BANK (6 Branches)ALLAHABAD BANK (6 Branches)BANK OF BARODA (6 Branches)BANDHAN BANK LTD (5 Branches)ALLAHABAD BANK (4 Branches)INDIAN BANK (4 Branches)CENTRAL BANK OF INDIA (4 Branches)BANK OF INDIA (3 Branches)ORIENTAL BANK OF COMMERCE (3 Branches)VIJAYA BANK (3 Branches)SYNDICATE BANK (3 Branches)UCO BANK (3 Branches)ALLAHABAD BANK (3 Branches)TJSB SAHAKARI BANK LTD (2 Branches)PUNJAB & MAHARSHTRA CO-OP BANK (2 Branches)THE NASIK MER CO-OP BANK LTD (2 Branches)STATE BANK OF PATIALA (2 Branches)NKGSB CO-OP BANK LTD (2 Branches)MAHANAGAR CO-OP BANK (2 Branches)MAHARASHTRA STATE CO-OP BANK (2 Branches)JANATA SAHAKARI BANK LTD (2 Branches)INDIAN BANK (2 Branches)STATE BANK OF BIKANER & JAIPUR (2 Branches)CANARA BANK (2 Branches)IDBI BANK (2 Branches)UNITED BANK OF INDIA (2 Branches)VIJAYA BANK (2 Branches)ABHYUDAYA CO-OP BANK LTD (2 Branches)CORPORATION BANK (2 Branches)DCB BANK LTD (1 Branches)CATHOLIC SYRIAN BANK LTD (1 Branches)CITI BANK (1 Branches)CITY UNION BANK LTD (1 Branches)ANDHRA BANK (1 Branches)SYNDICATE BANK (1 Branches)UCO BANK (1 Branches)BANK OF MAHARASHTRA (1 Branches)HDFC BANK (1 Branches)ICICI BANK LTD (1 Branches)ANDHRA BANK (1 Branches)AXIS BANK (1 Branches)BANDHAN BANK LTD (1 Branches)INDIAN OVERSEAS BANK (1 Branches)INDUSIND BANK (1 Branches)ING VYSYA BANK (1 Branches)JAMMU & KASHMIR BANK LTD (1 Branches)DEUSTCHE BANK (1 Branches)FEDERAL BANK (1 Branches)KARNATAKA BANK LTD (1 Branches)KARUR VYSYA BANK (1 Branches)NAGAR CO OPERATIVE BANK (1 Branches)RBL BANK LTD (1 Branches)STATE BANK OF BIKANER & JAIPUR (1 Branches)PUNJAB & SIND BANK (1 Branches)BANK OF BARODA (1 Branches)CANARA BANK (1 Branches)ICICI BANK LTD (1 Branches)STATE BANK OF INDIA (1 Branches)UNITED BANK OF INDIA (1 Branches)UNITED BANK OF INDIA (1 Branches)VASAI VIKAS SAHAKARI BANK LTD (1 Branches)
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