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YES SAMRIDDHI -

The YES Samriddhi proposition is a financing proposition designed to meet the requirements of
businesses engaged in trading, manufacturing and services.
Features-
Maximum Loan Amount: INR 4 cr , Non DP Linked OD up to 2 cr
• Fund Based: Cash Credit, Overdraft, Working Capital
Demand Loan , Term Loan, Drop Line OD, Export Credit
• Non – Fund Based: Letter of Credit, Buyers Credit, Bank
Guarantee
• Trade Related Facility: CMS Limits and Forward Cover
• Parameterized template based fast track sanction with local
credit delegation
• Loan against Residential/ Commercial/ Industrial/ NA Plot

YES Suyog
The YES Suyog programme is aimed at providing a comprehensive
solution for the financing requirements of SMEs engaged in
manufacturing, trading and services.
Features -
Scorecard Based Appraisal model
• Fund Based : Cash Credit, Overdraft, Working Capital
Demand Loan, Term Loan, Drop Line OD, Export Credit
• Non – Fund Based: Letter of Credit, Buyers Credit, Bank
Guarantee
• Trade Related Facility: CMS Limits and Forward Cover
• Miximum Loan Amount: INR 2 Cr
• Residential/ Commercial/ Industrial/ NA Plot/
SLBC/BG/FD /Surrender Value of LIC

Smart Overdraft
is aimed at providing working capital limit up to INR 1 Cr without
balance sheet. Now quick online offers available for MSMEs engaged
in manufacturing , trading and professionals like Doctors, Chartered
Accountants, Engineers and Architects.
Features -
• Available to Business as well as Self Imployed Individuals
like Doctors/Engineers/CA/Architect
• Fund Based Limits (Overdraft & Drop Line Overdraft)
• Minimum Loan Amount: INR 20 lacs
• Maximum Loan Amount: INR 1 cr
• Parametrized template based product for faster approvals
• Loan Against Residential/ Commercial/ NA Plot
SLBC/BG/FD /Surrender Value of LIC

The Cash Backed Lending

The Cash Backed Lending Programme aims to provide a comprehensive solution for
the financing requirements of Traders, Manufacturers and Service providers.
Features
Non – Fund Based Letter of Credit, Buyers Credit, Bank Guarantee
• Letter Of Credit: 180 days /upto 3 years in case of
Supplier’s Credit LC
• Bank Guarantee: 36 months (including claim Period)
• Letter Of Undertaking: upto 1 year period for arranging BC
for non capital goods and upto 3 years for arranging BC for
Capital Goods.

The Channel Financing

The Channel Financing programme provides financing to all dealers
of a corporate, catering to both backward and forward supply chain
linkages
Features -
FLEXIBLE WITHDRAWAL-Withdraw your deposit in units as low as INR 1/-
QUICK TRANSACTIONS -Operational ease and efficiency in transactions

YES GST
YES GST program is aimed at MSME enterprises to provide quick and simple access to
finance facilities. The product is designed such that working capital finance up to INR 1 cr.
can be made available to MSMEs purely basis the turnover as per their GSTR 1 returns.
FEATURES-
No More Financial Analysis-
Assessment will only be basis turnover as per GSTR 1 returns. Balance sheet & bank
statements are not needed for assessment of limit.
Limit Amount up to INR 1 Cr-Limit will be by way of Fund based Overdraft Facility or
Drop Line Overdraft Facility up to INR 1 Cr.
Bank Statements not Required

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Environmental
Committed to mobilizing USD 5 billion towards climate action by 2020 in December 2015
Committed to mobilize USD 1 billion by 2023 towards solar projects, and USD 5 billion till
2030 in January 2018
First Indian Bank to launch Green Bonds in 2015
Private placement by IFC for Green Masala Bonds in 2015
Issued Green Infra Bonds with FMO in 2016
First Bank Globally to migrate to ISO 14001:2015; 744 locations certified
First & only Indian Banking signatory to Natural Capital Finance Alliance (NCFA) & Chair
of Steering Committee
Social
Launched India’s 1st Green Retail Liability Product in 2018, Green Future Deposits
Sole arranger & subscriber to India’s First Social Bond, with proceeds allocated to
Affordable Housing
Reached 2.1 million families at the bottom-of-the-pyramid through Inclusive & Social
Banking
Provided access to 40 million+ lives with safe & clean drinking water in 2017-18
Provided OHS & Energy Efficiency training to 28, 454 workers, and helped 18,544 MSMEs
eliminate an estimated 13, 500 tons of CO2e in 2017-18
Governance
First & only Indian Bank to be listed on DJSI
Emerging Markets for 4 years consecutively (2015-2018)
Selected in prestigious FTSE4Good Emerging Index for two consecutive years (2017,2018)
Selected in MSCI ACWI ESG Leaders & SRI Indexes in 2017
Included in Vigeo Eiris Best Emerging Markets Performers Ranking (2018)
Only Indian Bank to be awarded ‘Prime’ Status by OEKOM Research Ag
First Indian Banking Signatory to UNEP Finance Initiative
First Indian Bank to launch Green Bond Impact Report
First Indian Bank to Support Task Force on Climate Related Financial Disclosure

3-Yes Bank Business Loan

Yes Bank offers loan to self employed and businessmen for financing the expansion
or working capital requirements of their business. There are some benefits of taking
loan from Yes Bank:
• You can prepay part of your loan anytime after paying 1 % prepayment charges
• You can foreclose your entire Business loan anytime after paying 12 EMI's at
foreclosure charges - Up to 4%

Yes Bank Business Loan Interest Rate Calculator

There are multiple factors on which basis bank calculates your interest rate. Some of
these factors are -
• Loan amount: Business loan rate in Yes Bank depends upon the loan amount
you apply for. Higher the loan amount, lesser will be the interest rate. Bank
gives loan of minimum ₹ 5 Lakh to upto ₹ 50 Lakh. Interest rate for high loan
amount can be lower resulting in lower EMIs.
• CIBIL Score: Yes Bank offers loan at higher interest rate if your CIBIL score
is low or vice versa. However, to get loan from Yes Bank, your CIBIL score
should be atleast 700. Higher the CIBIL Score, higher the chances of getting a
loan at lowest business loan interest.
• Revenue: Yes Bank will offer you loan at lower interest rate if you have higher
monthly revenue. Bank gives loan to the borrowers whose annual turnover is
at least ₹ 1,00,00,000.
• Time in Business: Yes Bank offers loan at lower rates if you have significant
business experience. Minimum business existence to get loan from Yes Bank
is 36 months.
Yes Bank Eligibility Criteria
Bank have a detailed criteria to determine the eligibility of a borrower for business
loans. Some of the key criteria are:
Eligibility Criteria Description

Age: 25 to 65 years

Minimum Turnover ₹ 1,00,00,000

Business Existence (in months) 36 months

ITR (months) 24 months

Loan Amount ₹ 5 Lakh to ₹ 50 Lakh

 Loan Tenure 36 months

Owned House or Place of Work Required

CIBIL Score 750 and above

Yes Bank Business Loan EMI Calculator

Yes Bank Business Loan EMI is a fixed amount that you pay each month towards
the repayment of your loan till the end of tenure. Lowest EMI offered by Yes Bank is
₹ 3,528 per lakh loan amount. EMI of Yes Bank depends on factors like:
• Interest Rate: Higher the interest rate, higher will be the EMI. For a 36 months
loan from Yes Bank at an interest rate of 16.25% per annum, EMI will be ₹
3,528 per Rs. one lakh loan amount. At an interest rate of 19.99% for the same
loan, the EMI will be ₹ 3,716 .
• Loan tenure: Longer the loan tenure, lesser your smonthly EMI. At interest
rate of 16.25% per annum, the EMI on Yes Bank business loan would range
from ₹ 9,085 to ₹ 3,528 for loan tenure ranging from 12 to 36 months.
• Amount Borrowed: Yes Bank Loan EMI will be high if you apply for a high
loan amount. For amount borrowed ₹ 5 Lakh, the EMI at 16.25% for 36 months
would be ₹ 17,640 . Similarly for amount borrowed ₹ 50 Lakh, the EMI at
16.25% for 36 months would be ₹ 1.76 Lakh.

Documents required
• Address proof of individual: Aadhaar Card, Voter’s ID Card, Bank statement,
registry copy, rent agreement , utility bills
• Identity proof of individual: Passport, Driving License, PAN Card, Aadhaar
Card, Voter’s ID Card
• Business existence proof: PAN, sales tax/ excise/ VAT/ service tax registration,
copy of partnership deed, trade license, certificate of practice, registration
certificate issued by RBI, SEBI
• Copy of Income Tax PAN for 24 months
• Bank statement of last 6 months

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