Yes Bank Ltd Share Price, Fundamentals and Financials
Track live share price, 52 week range, chart, fundamentals, banking highlights, ratios, peers, corporate actions, risks and FAQs.
₹24.23
₹-0.86 · -3.43%
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Quick Fundamentals
About Yes Bank Ltd
Yes Bank Limited is an Indian private sector bank serving retail, MSME, commercial, corporate and institutional customers through branches, digital channels, transaction banking and payment services.
Its offerings include deposits, loans, cards, payments, trade finance, cash management, treasury and wealth-related services. Investors should evaluate funding quality, asset quality, profitability and capital strength.
Business segments and investor focus
Track retail, MSME, commercial and corporate banking, deposits, CASA, advances, NIM, fees, NPAs, provisions, capital adequacy and return ratios.
Business Model
Yes Bank accepts deposits and other funding, then deploys funds into loans and investments. Its core spread is the difference between interest earned and interest paid, while fees and treasury income provide additional revenue.
Profitability depends on funding costs, loan yields, credit growth, fee income, operating expenses and credit losses. Banking is highly regulated, making confidence, controls and capital central to the model.
Profit and Loss
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Net Interest Income | ₹8,095 Cr | ₹8,944 Cr | ₹9,776 Cr |
| Non-Interest Income | Verify annual report | ₹5,857 Cr | ₹6,759 Cr |
| Operating Profit | Verify annual report | ₹4,255 Cr | ₹5,506 Cr |
| Profit Before Tax | Verify annual report | ₹3,168 Cr | ₹4,594 Cr |
| Net Profit | ₹1,251 Cr | ₹2,406 Cr | ₹3,476 Cr |
| Net Interest Margin | 2.4% | 2.4% | 2.6% |
Educational summary; verify audited annual results and restatements.
Balance Sheet
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Net Advances | Verify filing | ₹2,46,188 Cr | ₹2,73,445 Cr |
| Total Deposits | Verify filing | ₹2,84,525 Cr | About ₹3,19,000 Cr |
| CASA Deposits | Verify filing | Verify filing | Above ₹1,00,000 Cr |
| Credit / Deposit Ratio | Verify filing | 86.5% | 85.7% |
| Capital Adequacy Ratio | Verify filing | Verify filing | Verify FY26 filing |
| Gross NPA Ratio | Verify filing | 1.6% | 1.3% |
Use the latest audited balance sheet for complete details.
Cash Flow or Business Highlights
| Particulars | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Operating Cash Flow | Bank cash-flow statements differ from industrial companies | Verify annual report | Verify annual report |
| Net Interest Income | ₹8,095 Cr | ₹8,944 Cr | ₹9,776 Cr |
| Operating Profit | Verify annual report | ₹4,255 Cr | ₹5,506 Cr |
| Non-tax Provisions | Verify annual report | ₹1,086 Cr | ₹912 Cr |
| Business Focus | Funding, lending and fee income | Deposit-led growth | Deposit and credit acceleration |
Verify current figures in the latest audited annual report.
Key Ratios
| Metric | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|
| Net Interest Margin | 2.4% | 2.4% | 2.6% |
| Return on Assets | 0.3% | 0.6% | 0.8% |
| Return on Equity | Verify filing | 5.2% | 7.0% |
| Cost to Income | Verify filing | 71.3% | 66.7% |
| Gross NPA | Verify filing | 1.6% | 1.3% |
Ratios may differ by provider and calculation method.
Peer Comparison
| Company | NSE Symbol | Business Focus | Key Metric |
|---|---|---|---|
| Yes Bank Ltd | YESBANK | Private sector bank | NIM, ROA and asset quality |
| IDFC First Bank Ltd | IDFCFIRSTB | Retail-focused private bank | Deposit growth and credit cost |
| Federal Bank Ltd | FEDERALBNK | Diversified private bank | ROA and NIM |
| IndusInd Bank Ltd | INDUSINDBK | Private bank | Asset quality and capital |
| RBL Bank Ltd | RBLBANK | Mid-sized private bank | Retail mix and credit cost |
Dividends and Bonuses / Splits
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2025-26 | Verify latest recommendation and approval | Check official filings |
| FY 2024-25 | Verify annual report | Confirm whether any dividend was declared |
| FY 2023-24 | Verify annual report | Past policy does not guarantee future dividends |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | No current bonus detail asserted | Verify official filings |
| Stock Split | No current split detail asserted | Verify official filings |
| Face Value | ₹2.00 | Verify latest exchange security details |
Verify dividend, bonus, split, rights and record-date details from official filings.
Yes Bank customer and investor FAQs
What does Yes Bank do and how does it make money?
Yes Bank is an Indian private sector bank. It earns mainly from interest on loans and investments, net of interest paid on deposits and borrowings, and from fees on payments, cards, transaction banking, wealth, trade finance and other services.
What products and services does Yes Bank offer?
The bank offers savings and current accounts, fixed deposits, cards, personal and business loans, digital banking, UPI, remittances, wealth solutions and services for MSME and corporate customers.
What are Yes Bank’s main business segments?
Its activities include retail banking, commercial and MSME banking, corporate and institutional banking, treasury, transaction banking and digital payments.
Which numbers should retail investors monitor?
Track deposits, CASA, advances, net interest margin, cost-to-income ratio, gross and net NPA ratios, provision coverage, credit cost, capital adequacy, return on assets and return on equity.
Why are deposits and CASA important?
Deposits fund lending. A stronger share of current and savings accounts can lower funding costs and support margins, while stable deposit growth helps the bank expand loans.
What are the main risks in Yes Bank shares?
Risks include slower growth, margin pressure, weaker asset quality, higher credit costs, regulatory changes, competition, technology incidents, capital dilution and execution risk.
Does Yes Bank pay dividends?
Dividend payments depend on profitability, capital needs, regulation and approvals. Verify the latest declaration, record date and eligibility from official filings.
Has Yes Bank issued bonus shares or split its stock?
Corporate-action history should be verified from the bank, NSE and BSE. This page does not assume a current bonus or split unless officially confirmed.
How is Yes Bank’s asset quality measured?
Common measures are gross NPA, net NPA, provision coverage and credit cost. Trends should be reviewed over several quarters.
How does Yes Bank compare with other private banks?
Compare deposits, CASA, loan mix, NIM, asset quality, fee income, cost efficiency, capital adequacy, return ratios and valuation.
Is Yes Bank suitable for beginner investors to track?
It can be studied as a banking turnaround and growth case, but beginners should understand banking ratios, dilution risk and regulation and should not rely on share price alone.
Where should users verify Yes Bank information?
Use Yes Bank investor relations, audited reports, quarterly results, RBI disclosures and NSE/BSE filings as the final reference.