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Yes Bank Personal Loan Statement

Yes Bank Loan Statements

Last Updated 08th Nov 2021

  • Yes Bank personal loan statement is a document through which a borrower can keep track of their repayments.
  • Yes Bank loan statement is available physically as well as online.
  • The three main components of a personal loan statement are statement period, transaction activity, due amount and unpaid principal balance.
  • The statement is used to check on personal loan activities like outstanding balance; total EMIs paid, interest rate, remaining loan tenure etc.
  • Yes Bank personal loan statement is issued at the end of fiscal year.
  • Personal loan statement is also useful for the future because it helps the lender identify repayment capacity and intent of a borrower.
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About Yes Bank Personal Loan Statement

Yes Bank personal loan statement is a document provided by Yes Bank which carries information about EMIs paid, EMIs payable, remaining loan balance, outstanding amount. This statement is provided by Yes Bank to all the personal loan borrowers every month. The four main components of the statement are:-

  • Statement Period : The statement period of a personal loan statement provides information about the duration of a personal loan for which the transactions are shown in Yes Bank personal loan statements.
  • Transaction Activity : It displays information about any fees or penalties if any, during the loan tenure.
  • Due Amount : It specifies the outstanding amount on Yes Bank personal loan.
  • Unpaid Principal Balance : The outstanding part of the personal loan amount, which needs to be paid by a borrower is mentioned in the loan statement.

Uses of Yes Bank Personal Loan Statement

Yes Bank personal loan statement can be used to do the following activities -

  • The statement helps borrowers to keep a check on their personal loan activities. If a borrower has a statement, they can check remaining loan tenure, upcoming EMIs etc.
  • Yes Bank personal loan statements can also be used as proof of loan whenever required.
  • It will also be useful if a borrower needs credit in future, as the lender will check the loan statement at that time.

How to Download Yes Bank Statement?

You have to perform the following steps to get the personal loan statement from Yes Bank:

  • Visit the online portal of Yes Bank.
  • Login to the site’s personal banking section and enter the necessary credentials such as your username and password.
  • Next, click on the 'Personal Loan Interest Certificate (Provisional)' link.
  • Select the account for which you need a loan statement.
  • You can now view, print or download the personal loan statement in PDF form.

Benefits of Yes Bank Personal Loan Statements

These are the advantages of personal loan statements:-

  • Yes Bank personal statement helps manage the finances well, a borrower can keep a check on how much EMI has been paid and the remaining loan balance.
  • The loan statement will also carry charges like late payment, which will remind a borrower to make the payments on time to ignore such charges in future.
  • If a borrower needs any kind of loan in future, then personal loan statements can be beneficial as this is the document which a lender will require. It will also show creditworthiness of a borrower.

Steps to check your Yes Bank Loan statements

Perform the following steps to check the Yes Bank loan statements:-

  • Visit the official website of a Yes Bank.
  • Log in to your personal loan account using customer ID and password.
  • Click on ‘View statement’.
  • For future reference, you can also download the loan statement.

What Does a Personal Loan Account Statement Include?

Some of the important details which are included in the personal loan account statement are:-

  • Statement number: It is a number which reflects the series of statements which have been sent from the beginning of the loan. The loan statement is sent physically or via an email.
  • Interest rate: The statement will contain an interest rate which is applicable on a personal loan. If there is a change in interest, in case a borrower has opted for a floating rate of interest, it will be mentioned in the personal loan statement.
  • Summary: This section carries a summary of transactions which have taken place from the date loan was taken. The summary has all the important details like interest charges, processing fees etc.
  • Repayments: Under repayments heading, a borrower will find information about how many payments of EMI have been paid. Details will also be mentioned like date of payment etc.
  • Remaining loan balance: This section will have details of the remaining loan amount, it is the amount which needs to be paid to a lender. The loan balance is calculated from the date a borrower has started paying the EMIs. For example, if Mr A has borrowed a loan for ₹ 5 Lakh and his EMI is ₹ 25,000, so after 4 months his loan balance will be ₹ 4 Lakh because he has paid ₹ 1 Lakh(₹ 25,000 for one month) as EMI for 4 months.
  • Other information: Under this head, a borrower can get information like reversals, redraws etc.

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How do I get a Yes Bank loan statement ?

To get a loan statement you need to visit the website of Yes Bank , then go to view the loan statement and then click the download statement.

How to close a personal loan account in Yes Bank ?

A Yes Bank personal loan account can be closed after paying the whole loan amount or last instalment. To close the loan account you should visit the Yes Bank branch and inform them about the same. After this, the bank will carry the procedure to close the account.

What is Yes Bank personal loan preclosure ?

Yes Bank Personal loan preclosure or personal loan foreclosure is a process through which a borrower repays the loan before the tenure ends. However, most of the banks do charge a penalty for pre closure but will help in getting debt free soon and the charges for every bank is different.

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