Hindusthan College of Engineering and Technology Approved

by AICTE, New Delhi, Accredited with ‘A’ Grade by NAAC (An

Autonomous Institution, Affiliated to Anna University, Chennai)

Coimbatore -641 032

Department of Management Sciences

COURSE CODE & COURSE NAME: 20BA4310 Banking Regulation &services

I INTERNAL COMPONENT

YES BANK PRODUCTS

Student Name : SARATH KUMAR.V

Register Number : 720722206046

Submission Date : 13/06/2024

Evaluation Criteria :

Criteria Marks

Content (5 Marks)

Presentation (5 Marks)

Total (10 Marks)

Faculty In charge: Dr. S.KAMALASARAVANAN

Signature:
YES Bank:
YES Bank is the fourth largest private sector bank in India which has a Greenfield
Bank license. Headquartered in Mumbai, the bank was established by Ashok Kapoor and Rana
Kapoor in 2004. YES Bank offers a wide range of banking services and solutions right from
bank accounts, deposits, cards, cash management, privilege banking, trade finance, Non-
Resident India (NRI) banking, institutional banking, merchant acquiring, digital banking and
agricultural banking solutions.
Apart from this, the bank is also engaged in providing merger and acquisition, capital market,
capital advisory services, transaction banking, and risk and treasury management solutions. In
addition, it provides asset management, wealth management, and bancassurance services.
The bank is currently serving retail, commercial, NRIs, institutional, MSME, corporate, as well
as high net worth customers across the country and also through its representative office
situated in Abu Dhabi. Presently, the bank has 3,932 branches in all the states and union
territories of India.

Products Offered by YES Bank

Some of the products that are offered by the YES Bank are mentioned below:
Accounts
YES Bank provides a wide range of deposit accounts, some of them are given below:

Savings Account :
YES Bank provides different types of savings accounts for its customers which are specifically
designed based on their needs. Some of the popular savings accounts designed by YES Bank
are YES Digital Savings Account, Women Savings Account, Senior Citizen Savings Account,
Regular Savings Account, My First YES, Savings Value, Savings Family, Pradhan Mantri Jan
Dhan Yojana, Smart Salary Platinum Account, Smart Salary Exclusive Account, Smart Salary
Advantage Savings Account, and YES Honour.
Current Account :
YES Bank has designed various types of current accounts depending on the needs of the
businesses. Customers can avail a wide range of banking solutions through these current
accounts. Some of the popular current accounts designed by YES Bank are Business Value
Current Account, Business Growth Current Account, Business Benefit Current Account, and
Business Edge Current Account.
Loans :
There are several loan facilities provided by YES Bank to its customers based on their
requirement. Given below are different types of loans offered by YES Bank:
Personal Loan :
The bank provides personal loans to its customers ranging from Rs.1 lakh to Rs.40 lakh at
attractive interest rates. The loan tenure ranges between 12 to 60 months. Presently, YES Bank
offers three types of personal loans to its customers namely, YES Bank Personal Loan for
Holiday, YES Bank Personal Loan for Wedding, and YES Bank Personal Loan for Home
Renovation.

Home Loan :
YES Bank provides home loans to salaried and self-employed individuals at flexible loan
tenures and competitive interest rates. Not only this, but the bank has designed various home
loan schemes for those who wish to build or purchase a house.
Car Loan :
YES Bank provides the best car loan schemes ranging from Rs.1 lakh to Rs.500 lakh to its
customers. Apart from this, the bank offers 100% funding towards on road price of the vehicle
for the selected cars.
Two-Wheeler Loan :
The bank also offers two-wheeler loans to its account holders ranging from Rs.1 lakh to Rs.25
lakh at flexible tenure up to 60 months. YES Bank also provides exclusive loan offers for
scooters, bikes, and superbikes.
Loan Against Property :
YES Bank sanctions loans against properties like residential, commercial, warehouse,
industrial, and school properties for a tenure up to 15 years. The customers can avail the loan
with minimal documentation.
Gold Loan :
Customers can avail gold loans from YES Bank with attractive interest rates as well as flexible
repayment options. The gold loan ranges between Rs.25,000 to Rs.50 lakh with a tenure till
three years. The loan amount will be disbursed by the bank on the same day.
Business Loan :
YES Bank offers business loans to self-employed professionals, sole proprietorships,
partnerships, and closely held companies. The loan amount ranges up to Rs.50 lakh which
should be paid back within 12 to 60 months.
Deposits

YES Bank offers the following deposit accounts to its customers:

Fixed Deposit :
YES Bank offers fixed deposit schemes to its account holders so that they can maximize the
surplus amount through dynamic interest rates. The fixed deposit tenure ranges between six
months to 36 months.
Recurring Deposit :
YES Bank has also designed recurring deposit schemes for its customers which help them to
invest a part of their earnings on a monthly basis. The interest rate of recurring deposits varies
depending on the amount and tenure.

Cards
YES Bank offers various types of cards to its account holders. Some of them are mentioned
below:
Credit Card :
YES Bank has designed different types of credit cards which have been introduced with the
aim of providing various benefits and rewards like discount coupons on travel, entertainment,
dining, etc. The popular credit cards offered by YES Bank are YES Prosperity Cashback Credit
Card, YES First Exclusive Credit Card, YES Bank Wellness Plus Credit Card, etc.
Debit Card :
YES Bank debit cards are featured with advanced spending and withdrawal limits along with
value added services. Presently, there are seven different types of Debit cards offered by YES
Bank, namely YES Premia World Debit Card, YES Prosperity Platinum Card, YES Prosperity
Titanium Debit Card, YES Prosperity Titanium Plus Debit Card, and YES Bank VISA Platinum
Debit Card.

Banking Services
Given below are the banking services provided by YES Bank:
Balance Enquiry :
The account holders of YES Bank can get the balance enquiry facility through mobile banking,
net banking, passbook, SMS banking, Automated Teller Machine (ATM), and missed call
facility.
Internet Banking :
YES Bank offers an internet banking facility to its customers using which they can avail
different types of services like online booking, fund transfer, paying bills, and balance enquiry.
Mobile Banking :
YES Bank account holders can enjoy all the banking facilities through mobile banking. The
mobile banking facilities include balance enquiry, fund transfer, online payment, etc.