LENDING RATES

YES BANK - Marginal Cost of Funds based Lending Rate (MCLR)

As per RBI guidelines, all floating rate rupee loans sanctioned and credit limits renewed w.e.f. Apr 01,
2016 will be priced with reference to the MCLR (other than exceptions permitted by RBI).

MCLR for Yes Bank Ltd effective Aug 02, 2021 is as follows:

Tenor MCLR %
Overnight 6.20
One month 6.70
Three months 6.95
Six months 8.00
One year 8.45

YES BANK’s Base Rate effective 1st February 2021 is 9.00%

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YES BANK’s BPLR effective 26th July 2011 is 19.75%
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 LENDING RATES
w.e.f Aug 02, 2021

YES BANK - Lending linked to External Benchmarking

As per RBI guidelines, all new floating rate personal or retail loans and floating rate loans to MSMEs
are to be based on External benchmark.
The Bank uses 6 Month Certificate of Deposit Rate as published by Financial Benchmark India
Private Limited (FBIL) as reference rate for lending based on external benchmark with appropriate
mark-up. The same is reviewed by the Bank on a monthly basis.

The 6 Month Certificate of Deposit Rate as on 30th July, 2021 is 3.70%. Accordingly, Yes Bank marked
up External Benchmark Lending Rate (YBL - EBLR) w.e.f. Aug 02, 2021 is 7.90%. The Bank shall
appropriately apply additional spread over YBL-EBLR.

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