What Yes Bank lends, and to whom

Name: Yes Bank: loan book and other figures, FY2021-22 to 30 Sep 2026
Creator: CreditBrief

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹3.10 lakh crore (+13% since March).

Yes BankPrivate banks

₹2.73lakh crorenet advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers17thof 33 banks on CreditBrief, March 2026

Biggest segment42.4%Retail Banking, latest split (30 Sep 2026)

Share of the combined book1.3%of all banks on CreditBrief

Chapter 01 · The loan book

₹2.73 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Yes Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from retail banking down, and you get ₹2.73 lakh crore. By 30 Sep 2026 it was ₹3.10 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

42%People and households₹1.31 lakh croreRetail Banking

53%Businesses₹1.63 lakh croreCommercial BankingCorporate & Institutional Banking

5% sits in lines the filing does not tie to either: FCTL.

Drilling down: what it lends against · 30 Sep 2026

Retail Banking₹1.31 lakh crore42.4%
Corporate & Institutional Banking₹88,000 crore28.4%
Commercial Banking₹75,043 crore24.2%
FCTL₹15,215 crore4.9%

Retail includes micro enterprise loans. FCTL are foreign currency loans linked to FCNR(B) deposits. The retail product mix is given only as percentages, so it is not shown.

Sources: YES Bank Press Release and Investor Presentation Q4 FY26 (exchange filing), PDF page 19 ↗ for March 2026; YES Bank Press Release and Investor Presentation Q2 FY27 (exchange filing), PDF page 18 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 11% a year since March 2022.

From ₹1.81 lakh crore on 31 March 2022 to ₹2.73 lakh crore on 31 March 2026, and ₹3.10 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights34 figures from 12 filings · each checked against its pageHow it works

Yes Bank · loan book · 31 March 2026₹2.73lakh crore+11% in FY2025-26₹3.10 lakh crore by 30 Sep 2026

0111%a year since 2022Grew 11% a year from March 2022 to March 2026, faster than 2 of the 29 other banks with like-for-like figures for those years.
0211%in FY2025-26Growth picked up to 11% in FY2025-26, from 8.1% the year before.
0314thamong peersSlipped from 14th to 17th biggest of these 33 banks between March 2022 and March 2026.

Deposits₹3.19 lakh crore+12% · in FY2025-26

Loans to deposits85.7%-0.8 pts · in FY2025-26

CASA ratio35.1%+0.8 pts · in FY2025-26

Branches1,334+6.3% · in FY2025-26

Mobile app users4.6 million+24% · in FY2025-26

Measure	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
Loan book₹ crore · net advances	1,81,052	2,03,269	2,27,799	2,46,188	2,73,445	3,09,510
Corporate and wholesale loans₹ crore	72,413	53,986	52,976	59,073	77,442	88,000
Deposits₹ crore	1,97,192	2,17,502	2,66,372	2,84,525	3,18,969	3,54,004
CASA ratio%	31.10	30.80	30.90	34.30	35.10	30.00
BranchesNumber	1,122	1,192	1,234	1,255	1,334	1,336
Mobile app usersMillion			2.3	3.7	4.6	4.9

Loan book, Mar 2022: ₹1.81 lakh crore

“Total Net Advances 203,269 194,573 181,052”

YES Bank Investor Presentation Q4 FY23 (exchange filing) · page 18 · Source ↗

Loan book, Mar 2023: ₹2.03 lakh crore

“Total Net Advances 227,799 217,523 203,269”

YES Bank Press Release and Investor Presentation Q4 FY24 (exchange filing) · page 38 · Source ↗

Loan book, Mar 2024: ₹2.28 lakh crore

“Total Net Advances 227,799 217,523 203,269”

YES Bank Press Release and Investor Presentation Q4 FY24 (exchange filing) · page 38 · Source ↗

Loan book, Mar 2025: ₹2.46 lakh crore

“Total Net Advances 273,445 257,451 246,188”

YES Bank Press Release and Investor Presentation Q4 FY26 (exchange filing) · page 19 · Source ↗

Loan book, Mar 2026: ₹2.73 lakh crore

“Total Net Advances 273,445 257,451 246,188”

YES Bank Press Release and Investor Presentation Q4 FY26 (exchange filing) · page 19 · Source ↗

Loan book, Sep 2026: ₹3.10 lakh crore

“Total Net Advances 309,510 285,118 250,212”

YES Bank Press Release and Investor Presentation Q2 FY27 (exchange filing) · page 18 · Source ↗

Corporate and wholesale loans, Mar 2022: ₹72,413 crore

“Corporate 53,986 55,828 72,413”

YES BANK investor presentation, Q4 FY2023 · page 17 · Source ↗

Large corporate book only (the bank's 'Corporate' line); mid corporates are shown separately.

Corporate and wholesale loans, Mar 2023: ₹53,986 crore

“Corporate 53,986 55,828 72,413”

YES BANK investor presentation, Q4 FY2023 · page 17 · Source ↗

Large corporate book only (the bank's 'Corporate' line); mid corporates are shown separately.

Corporate and wholesale loans, Mar 2024: ₹52,976 crore

“Corporate 52,976 50,031 53,993”

YES BANK investor presentation, Q4 FY2024 · page 33 · Source ↗

Large corporate book only (the bank's 'Corporate' line); mid corporates are shown separately.

Corporate and wholesale loans, Mar 2025: ₹59,073 crore

“Corporate 59,073 63,435 52,977”

YES BANK investor presentation, Q4 FY2025 · page 16 · Source ↗

Large corporate book only (the bank's 'Corporate' line); mid corporates are shown separately.

Corporate and wholesale loans, Mar 2026: ₹77,442 crore

“Corporate & Institutional Banking 77,442 70,625 64,700”

YES BANK investor presentation, Q4 FY2026 · page 14 · Source ↗

New basis from here: the bank moves to a new corporate and institutional segment.

New segment, Corporate and Institutional Banking. March 2025 restated on this basis is ₹64,700 crore, so not comparable with earlier years.

Corporate and wholesale loans, Sep 2026: ₹88,000 crore

“Corporate & Institutional Banking 88,000 88,228 66,980”

YES BANK investor presentation, Q2 FY2027 · page 13 · Source ↗

Corporate and Institutional Banking segment.

Deposits, Mar 2022: ₹1.97 lakh crore

“Total Deposits 162,947 184,288 197,192”

YES BANK investor presentation, Q4 FY2022 · page 16 · Source ↗

Deposits, Mar 2023: ₹2.18 lakh crore

“Total Deposits 217,502 213,608 197,192”

YES BANK investor presentation, Q4 FY2023 · page 17 · Source ↗

Deposits, Mar 2024: ₹2.66 lakh crore

“Total Deposits 266,372 241,831 217,502”

YES BANK investor presentation, Q4 FY2024 · page 32 · Source ↗

Deposits, Mar 2025: ₹2.85 lakh crore

“Total Deposits 284,525 277,224 266,372”

YES BANK investor presentation, Q4 FY2025 · page 15 · Source ↗

Deposits, Mar 2026: ₹3.19 lakh crore

“Total Deposits 318,969 292,524 284,525”

YES BANK investor presentation, Q4 FY2026 · page 13 · Source ↗

Deposits, Sep 2026: ₹3.54 lakh crore

“Total Deposits 354,004 315,373 296,276”

YES BANK investor presentation, Q2 FY2027 · page 14 · Source ↗

Includes FCNR (B) deposits of ₹18,575 crore raised in the quarter.

CASA ratio, Mar 2022: 31.10%

“CASA Ratio 26.1% 30.4% 31.1%”

YES BANK investor presentation, Q4 FY2022 · page 16 · Source ↗

CASA ratio, Mar 2023: 30.80%

“CASA Ratio 30.8% 29.9% 31.1%”

YES BANK investor presentation, Q4 FY2023 · page 17 · Source ↗

CASA ratio, Mar 2024: 30.90%

“CASA Ratio 30.9% 29.7% 30.8%”

YES BANK investor presentation, Q4 FY2024 · page 32 · Source ↗

CASA ratio, Mar 2025: 34.30%

“CASA Ratio 34.3% 33.1% 30.9%”

YES BANK investor presentation, Q4 FY2025 · page 15 · Source ↗

CASA ratio, Mar 2026: 35.10%

“CASA Ratio 35.1% 34.0% 34.3%”

YES BANK investor presentation, Q4 FY2026 · page 13 · Source ↗

CASA ratio, Sep 2026: 30.00%

“CASA Ratio 30.0% 32.7% 33.7%”

YES BANK investor presentation, Q2 FY2027 · page 14 · Source ↗

Lower partly because of FCNR (B) term deposits of ₹18,575 crore raised in the quarter.

Branches, Mar 2022: 1,122

“The Bank has 1,122 branches, 11 Major Offices”

YES BANK annual report 2021-22 · page 87 · Source ↗

Branches, Mar 2023: 1,192

“pan India network of 1,192 branches, 150 BCBO”

YES BANK investor presentation, Q4 FY2023 · page 3 · Source ↗

Branches, Mar 2024: 1,234

“pan India network of 1,234 branches, 219 BCBOs”

YES BANK investor presentation, Q4 FY2024 · page 2 · Source ↗

Branches, Mar 2025: 1,255

“pan India network of 1,255 branches, 235 BCBOs”

YES BANK investor presentation, Q4 FY2025 · page 24 · Source ↗

Branches, Mar 2026: 1,334

“1,334 branches, an IFSC Banking Unit”

YES BANK integrated annual report 2025-26 · page 54 · Source ↗

Branches, Sep 2026: 1,336

“Network Footprint stands at 1,336 branches and 249 BCBO outlets”

YES BANK investor presentation, Q2 FY2027 · page 21 · Source ↗

Mobile app users, Mar 2024: 2.3 million

“23.3 lakh ~15,600 Service Registered PL Sourced Request Users”

YES BANK investor presentation, Q4 FY2024 · page 16 · Source ↗ · printed in lakh

Registered users of the IRIS app, launched August 2023.

Mobile app users, Mar 2025: 3.7 million

“37.0 lakh”

YES BANK investor presentation, Q4 FY2025 · page 40 · Source ↗ · printed in lakh

Registered users of the IRIS app.

Mobile app users, Mar 2026: 4.6 million

“46 Lakhs Registered customers”

YES BANK investor presentation, Q4 FY2026 · page 46 · Source ↗ · printed in lakh

Registered customers of the IRIS app.

Mobile app users, Sep 2026: 4.9 million

“49 L+ 42% 5.4 L+ 3.5 Cr+ Monthly Active Registered users”

YES BANK investor presentation, Q2 FY2027 · page 41 · Source ↗ · printed in lakh

Registered users of the IRIS app, printed as 49 lakh plus.

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Yes Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Its last results, as an alert

CreditBrief Insightsto you

Yes Bank, Q2 FY2026-27: loan book ₹3.10 lakh crore, +13% since March

₹3.10 lakh crore lent out by Q2 FY2026-27
Biggest segment: Retail Banking, 42% of the book
Every figure links to page 18 of its filing

Chapter 03 · Among its peers

17th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 1.3% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

1State Bank of India₹49.33 lakh crore
2HDFC Bank₹29.60 lakh crore
3ICICI Bank₹15.54 lakh crore
4Bank of Baroda₹14.30 lakh crore
5Punjab National Bank₹12.59 lakh crore
6Canara Bank₹12.38 lakh crore
7Axis Bank₹12.34 lakh crore
8Union Bank of India₹10.79 lakh crore
17Yes Bank₹2.73 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

Loan book and segmentsYES Bank Press Release and Investor Presentation Q2 FY27 (exchange filing), PDF page 18 ↗Q2 FY2026-27, balance on 30 Sep 2026
Logo and nameBelong to the lender and only identify it. CreditBrief is independent and not linked to any lender.

What Yes Bank lends, and to whom

₹2.73 lakh crore lent out by March 2026. To whom?

Growing 11% a year since March 2022.

Know what moved at Yes Bank, the week its results land.

17th biggest of 33 banks we cover, March 2026.

Getting in.

Read next

Prepare for the interview

Every number, traced to its filing.

Similar lenders

₹2.73 lakh crore lent out by March 2026. To whom?

Growing 11% a year since March 2022.

Know what moved at Yes Bank, the week its results land.

17th biggest of 33 banks we cover, March 2026.

Getting in.

Read next

Prepare for the interview

Every number, traced to its filing.

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