Founded in the year 2004 by Rana Kapoor and Ashok Kapoor, YES Bank is the fourth largest private sector bank in India. It is a full service commercial bank and ventures into Retail, Corporate and SME Banking. YES Bank’s product suite includes Investment Banking, Corporate Finance, Branch Banking, Wealth Management and Business and Transaction Banking. It is headquartered in Mumbai and serves its customers through a banking network of over 1000 Branches and 1,800 ATMs.
YES Bank caters to its retail customers by offering an extensive range of products which includes credit cards, debit cards, savings account, car loans, home loan, fixed deposits, personal loan and gold loan. The bank looks forward to expanding its branch presence across more cities and towns in the country.
Following are the Products and Services offered by YES Bank
- YES Bank Credit Cards
- YES Bank Debit Cards
- YES Bank Savings Account
- YES Bank Car Loan
- YES Bank Home Loan
- YES Bank Fixed Deposit
- YES Bank Gold Loan
- YES Bank Personal Loan
YES Bank offers a wide range of personal credit cards and business credit cards. Each card is designed to offer rewards and benefits on different types of spending such as shopping, travel, dining, movies, entertainment and more. Its business credit cards are tailor-made to match the needs of small businesses. YES Bank also sources a premium range of credit cards by American Express namely American Express Platinum Reserve Credit Card, American Express Platinum Travel Credit Card and American Express Gold Card.
Through its varied range of debit cards, YES Bank offers enhanced benefits and unparalleled privileges to its retail banking customers. The new debit cards issued by YES Bank are integrated with contactless technology and can be used for making payment at NFC enabled terminals by just waving it. Benefits like Personal accident Insurance and Lost card Liability insurance cover, complimentary airport lounge access, worldwide access, fuel surcharge waiver and Superior withdrawal limits can be availed by the cardholders. Some YES Bank debit cards are YES Prosperity Titanium Plus Debit Card, YES Prosperity Platinum Debit Card and YES BANK PMJDY RuPay Chip Debit Card.
Being a premium financial services provider in the country, YES Bank understands the savings requirements of the nation. To cater to the same, the bank offers specifically-designed Saving Accounts for senior citizens, minors, defence personnel, women and others. Customers can open a savings account with YES Bank online as well as offline. They can access their accounts with ease via Net Banking and Mobile Banking facilities. While growing their savings, customers also get to enjoy great benefits on banking transactions.
YES Bank Car Loan has emerged as one of the preferred choices amongst the people looking to buy new or old cars. The bank promises a transparent and hassle-free application, faster processing and easy documentation. The interest rates offered by the bank are also highly competitive. One can avail a car loan with an LTV of 100 percent on select models. Multiple repayment options are available that match the needs of varied customer groups. Not only individuals but partnership firms, public limited companies, private limited companies and proprietorship firms can also get a car loan from YES Bank.
YES Bank provides home loan solutions to those looking to buy a residential property. Eligible customers can avail a high loan amount at attractive interest rates. Features like balance transfer and zero penalty on prepayment for floating rate home loans make it a worthy option in the market. The application process is transparent and hassle-free and the documentation is also easy. YES Bank home loan can be availed by salaried individuals as well as self-employed. Borrowers can also avail a top-up on their existing home loan or transfer home loans from other banks at lower rates of interests.
YES Bank offers secure fixed deposits that provide its customers greater earnings and flexibility of maintaining funds through easy cash withdrawals as and when required without breaking the deposit. The bank also offers a range of fixed deposit schemes at attractive rate of interest, thereby giving you good returns on your investment. No penalty on premature withdrawal and overdraft facility against deposits are some of the additional features that customers can benefit from.
YES Bank offers gold loan through a quick and hassle-free loan process. The bank offers gold loan at attractive interest rates, making borrowing against gold a smooth experience. Irrespective of the credit history or the need of a guarantor or co-borrower, customers can avail gold loan with ease. In addition to this, the gold deposited remains secure in vault safes under 24*7 security.
YES Bank provides personal loans to the customers at attractive interest rates. These are unsecured loans and can be used for the purpose of financing a vacation, wedding, home renovation or for debt consolidation and other financial emergencies. YES Bank has kept the application process simple and hassle-free and ensures easy approval and fast disbursal. There is neither a need for collateral nor a guarantor. Multiple repayment options and flexibility of usage are some of the additional benefits that borrowers can enjoy.