YES Bank FD Rates 2025
YES Bank offers individuals a rate of return that ranges between 3.25% p.a. to 8.25% p.a. on Fixed Deposit (FD). The tenure ranges between 7 days and 10 years. Senior citizens are provided with additional interest of up to 0.50% p.a.
YES Bank Domestic Deposits Interest Rates (Below Rs.3 crore)
In the table listed below, the rate of interest for deposits below Rs.3 crore are mentioned as follows:
Tenure | Interest Rates for General public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
7 days to 14 days | 3.25% | 3.75% |
15 days to 45 days | 3.70% | 4.20% |
46 days to 90 days | 5.00% | 5.50% |
91 days to 120 days | 5.00% | 5.50% |
121 days to 180 days | 5.00% | 5.50% |
181 days to 271 days | 6.25% | 6.75% |
272 days to < 1 year | 6.50% | 7.00% |
12 months to less than 24 months | 7.75% | 8.25% |
24 months to less than 36 months | 7.25% | 7.75% |
36 months to less than 60 months | 7.25% | 8.00% |
60 months | 7.25% | 8.00% |
60 months 1 day to less than or equal to 120 months | 7.00% | 7.75% |
Note: Rates are effective from 1 April 2025 and can change from time to time.
YES Bank FD Rates for Domestic Deposits Between Rs. 3 Crore and Rs. 5 Crore
The range of rate of interest deposits for Rs.3 crore to less than Rs. 5 crores are given below in the table:
Tenure | Interest Rates for General Public (% p.a.) | Interest Rates for Senior Citizens (% p.a.) |
7 days to 14 days | 4.85% - 5.00% | 5.35% - 5.50% |
15 days to 30 days | 4.90% - 5.25% | 5.40% - 5.75% |
31 days to 45 days | 4.95% - 5.80% | 5.45% - 6.30% |
46 days to 60 days | 5.00% - 6.10% | 5.50% - 6.60% |
61 days to 90 days | 5.20% - 6.40% | 5.70% - 6.90% |
91 days to 120 days | 5.25% - 6.85% | 5.75% - 7.35% |
121 days to 150 days | 5.25% - 6.95% | 5.75% - 7.45% |
151 days to 180 days | 5.25% - 7.10% | 5.75% - 7.60% |
181 days to 270 days | 5.55% - 7.20% | 6.05% - 7.70% |
271 days to less than 1 year | 5.65% - 7.25% | 6.15% - 7.75% |
12 months (1 year) | 5.85% - 7.50% | 6.35% - 8.00% |
12 months 1 day to 12 months 20 days | 5.85% - 7.50% | 6.35% - 8.00% |
12 months 21 days to less than 15 months | 5.85% - 7.50% | 6.35% - 8.00% |
15 months | 5.85% - 7.50% | 6.35% - 8.00% |
15 months 1 day to less than 18 months | 5.85% - 7.50% | 6.35% - 8.00% |
18 months to less than 20 months | 75.85% - 7.40% | 6.35% - 7.90% |
20 months to 22 months | 5.85% - 7.40% | 6.35% - 7.90% |
22 months 1 day to less than 2 years | 5.85% - 7.40% | 6.35% - 7.90% |
2 years to less than 3 years | 5.85% - 7.25% | 76.35% - 7.75% |
3 years to less than 5 years | 7.85% - 7.10% | 6.60% - 7.85% |
5 years | 5.85% - 7.10% | 6.60% - 7.85% |
5 years 1 day and above | 5.85% - 7.10% | 6.60% - 7.85% |
Note: Rates are effective from 10 April 2025 and can change from time to time.
YES Bank Floating Rate Fixed Deposit Interest Rates (Rs. 10,000 to Rs. 5 Crore)
Tenure | REPO Rate | Mark-up rate | Interest Rates (p.a.) |
1 year to less than 18 months | 6.25% | 1.10% | 7.35% |
18 months to less than 3 years | 6.25% | 1.60% | 7.85% |
Note: YES Bank can change the interest rates at any given time without prior notice. The above-mentioned interest rates are effective from 1 April 2025 onwards.
Senior Citizen FD Rates (Rs.10,000 to less than Rs.2 Crore)
Fixed deposit rates for senior citizen are given below in the tables:
Tenure | Repo Rate | Mark-up Rate | Rate of Interest Applicable |
1 Year to less than 18 Months | 6.25% | 1.60% | 7.85% |
18 Months to less than 3 Years | 6.25% | 2.10% | 8.35% |
Senior Citizen FD Rates (INR 2 Cr to < INR 5 Cr)
Tenure | Repo Rate | Mark-up Rate | Rate of Interest Applicable |
1 Year to less than 18 Months | 6.25% | 1.55% | 7.80% |
18 Months to less than 3 Years | 6.25% | 1.85% | 8.10% |
YES Bank Fixed Deposit Interest Rates on RFC Deposits
The rate of interest for Foreign Currency Non-Resident deposit are listed as below:
Period | USD (less than 1 million) | GBP | EURO | JPY | CAD | AUD | HKD | SGD |
1 year to less than 2 years | 5.80% | 5.55% | 3.30% | 2.00% | 3.70% | 5.00% | 1.35% | 3.75% |
2 years to less than 3 years | 4.85% | 4.95% | 2.95% | 2.05% | 3.45% | 4.65% | 1.35% | 3.25% |
3 years to less than 4 years | 4.78% | 4.25% | 2.55% | 2.05% | 3.20% | 4.55% | 1.35% | 1.00% |
4 years to less than 5 years | 4.75% | 4.00% | 2.00% | 0.05% | 3.50% | 4.55% | 1.35% | 1.00% |
5 years only | 4.60% | 4.00% | 2.00% | 1.85% | 3.65% | 4.55% | 1.35% | 1.00% |
Note: The interest rates mentioned in the table above are effective from 15 April 2025 and are subject to change.
YES Bank FD Interest Rates on RFC Deposits
The interest rates for Resident Foreign Currency (for returning NRIs) are mentioned in the below table:
Period | USD | GBP | EURO | JPY | CAD | AUD |
1 year to less than 2 years | 5.80% | 5.55% | 3.30% | 2.00% | 3.70% | 5.00% |
2 years to less than 3 years | 4.85% | 4.95% | 2.95% | 2.05% | 3.45% | 4.65% |
3 years to less than 4 years | 4.75% | 4.25% | 2.55% | 2.05% | 3.20% | 4.55% |
Features and Benefits of YES Bank's Fixed Deposits
The main features and benefits of the FD scheme offered by BankBazaar.com are mentioned below:
- You can open an FD account online.
- Attractive interest rates are offered.
- Loans can be availed against the amount that is available in the FD.
- Auto-renewal facility is provided.
- Security is provided.
- The tenure ranges between 7 days and 10 years.
- The minimum deposit that must be made is Rs.10,000.
YES Bank has introduced Floating Rate Fixed Deposit
YES Bank has introduced a Floating Rate Fixed Deposit for all domestic customers. The interest rate on this fixed deposit (FD) will be linked to the current Repo rate, enabling customers to enjoy dynamic returns on their fixed deposits. The Floating Rate Fixed Deposit is designed to assist consumers by providing them with an asset class that combines the security of a fixed deposit with dynamic returns linked to the central bank's repo rates.
You can open a Floating Rate Fixed Deposit for a tenure ranging from 1 year to less than 3 years. To open this fixed deposit, you can visit the nearest YES Bank or give a missed call on 07127191191.
Eligibility Criteria and Documents Required
Eligibility Criteria
The below-mentioned entities can open an FD account with YES Bank:
- Family trusts
- Associations and clubs
- Sole-proprietorships and partnerships
- Non-Resident Indians (NRIs)
- Resident Indians
Documents Required
- Copy of the by-laws in the case of clubs, societies, and associations.
- Registration certificate and trust deed in the case of family trusts.
- Certification of business in the case of companies.
- Proof of address such as gas bill, electricity bill, etc.
- Permanent Account Number (PAN) Card.
- Know Your Customer (KYC) documents.
FAQs on YES Bank Fixed Deposit Rates
- What is the tenure of the FD scheme offered by YES Bank?
The tenure of the FD scheme offered by YES Bank ranges between 7 days and 10 years.
- Can I avail myself of a loana gainst the FD offered by YES Bank?
Yes, you can avail yourself of a loan against the amount that is available in the account.
- Does YES Bank offer the premature withdrawal facility?
Yes, YES Bank offers the premature facility. However, a penalty may be levied in the case of premature withdrawal.
- Does YES Bank offer special rates for senior citizens?
Yes, senior citizens are offered an additional interest rate by YES Bank.
- What are the minimum and maximum investment tenure for a fixed deposit in Yes Bank?
The minimum investment tenure for a fixed deposit scheme in Yes bank is seven days and the maximum investment tenure for a fixed deposit scheme in Yes bank is up to 10 years.
- How much is the minimum amount required to apply for a fixed deposit in Yes bank?
The minimum amount required to apply for a fixed deposit in Yes bank is Rs.10,000.
- What are the different types of fixed deposits schemes offered by Yes Bank?
The Yes Bank offers various types of fixed deposits. They are regular fixed deposits, senior citizen fixed deposits, tax-saver fixed deposits, and more. Each type may have different features and benefits tailored to meet specific customer needs.
- Will I be charged a fee to apply for a fixed deposit scheme in Yes bank?
No, you will not be charged a fee to apply for a fixed deposit scheme in Yes bank.
- How is the interest calculated on Yes Bank Fixed Deposits?
The interest on Yes bank fixed deposits is calculated based on the principal amount, tenure, and the prevailing interest rate at the time of deposit. Interest can be compounded quarterly, half-yearly, or annually, depending on the depositor's preference.
- Can I prematurely withdraw my Fixed Deposit with Yes Bank?
Yes, premature withdrawal of fixed deposits is allowed by Yes bank. However, you may attract a penalty for prematurely withdrawing your fixed deposit.
- Is it safe to make a fixed deposits investment with Yes bank?
Yes, it is safe to make a fixed deposit investment with Yes bank.
- Can I avail myself of a loan against my Yes bank fixed deposit?
Yes, you can avail yourself of a loan against your Yes bank fixed deposit.
- Is TDS applicable on the interest earned from Yes Bank Fixed Deposits?
Yes, TDS is applicable on the interest earned from Fixed Deposits with Yes Bank as per the prevailing income tax laws. However, if your total income is below the taxable limit, you can submit Form 15G/15H to avoid TDS deduction.
- Do senior citizens get any additional benefits for making a fixed deposit investment at Yes bank?
Yes, senior citizens do get an additional interest rate of 0.50% for making a fixed deposit investment at Yes bank.
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