INTEGRATED FILING — BANKING



General information about company

Scrip code 532648
NSE Symbol YESBANK
MSEI Symbol NOTLISTED
ISIN INE528G01035
Name of bank YES BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 19-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 08-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 19-Apr-2025   10:30:00
End date and time of board meeting 19-Apr-2025   12:50:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public Yes
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? Yes
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 2025-01-25
Indicate Company website link for updated RPT policy of the Company https://www.yesbank.in/pdf?name=policies_pdf6.pdf
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
No default and as such Not Applicable.


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 58356700000 232997600000
Income on investments 13395800000 56944900000
Interest on balances with reserve bank of India and other inter bank funds 1016900000 3930900000
Others 3391900000 15075700000
Total interest earned 76161300000 308949100000
2 Other income 17392600000 58568600000
3 Total income 93553900000 367517700000
Expenses
4 Interest expenses 53397700000 219505600000
5 Operating expenses
(i) Employees cost 10168200000 40084000000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other operating expenditures 16844200000 65388600000
Total other operating Expenses 16844200000 65388600000
Total Operating Expenses 27012400000 105472600000
6 Total expenditure excluding provisions and contingencies 80410100000 324978200000
7 Operating profit before provision and contingencies 13143800000 42539500000
8 Provisions other than tax and contingencies 3180700000 10856100000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 9963100000 31683400000
11 Provision for Tax 2581900000 7624800000
12 Net profit (loss) from ordinary activities after tax 7381200000 24058600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 7381200000 24058600000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 7381200000 24058600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 62708200000 62708200000
Face value of equity share capital 2 2
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 415092300000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 0.13 0.13
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.24 0.77
Diluted earnings per share before extraordinary items 0.23 0.77
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.24 0.77
Diluted earnings per share after extraordinary items 0.23 0.77
(iv) NPA Ratios
Amount of gross non-performing assets 39356100000 39356100000
Amount of net non-performing assets 8001400000 8001400000
% of gross NPAs 1.6 1.6
% of net NPAs 0.3 0.3
Return on assets 0.7 0.6
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 62708200000
Reserves and surplus 415092300000
Deposits 2845251300000
Borrowings 716029700000
Other liabilities and provisions 195141500000
Total Capital Liabilities 4234223000000
2 ASSETS
Cash and Balances with Reserve Bank of India 152601300000
Balances with Banks and money at call and short notice 127989000000
Investments 851044800000
Advances 2461884700000
Fixed Assets 30654300000
Other Assets 610048900000
Total Assets 4234223000000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 19839900000 75972900000
2 Corporate Banking 32183400000 122857600000
3 Digital banking 800000 2900000
4 Other Retail Banking 39037300000 150903800000
5 Other Banking Operations 3003400000 10039600000
6 Unallocated 349200000 513300000
Total Segment Revenue 94414000000 360290100000
Less: Inter segment revenue 860100000 -7227600000
Income from operations 93553900000 367517700000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 8007700000 22924400000
2 Corporate Banking 8302200000 27910000000
3 Digital banking -2700000 -9200000
4 Other Retail Banking -7646500000 -21395700000
5 Other Banking Operations 2370200000 7341800000
6 Unallocated -1067800000 -5087800000
Total Profit before tax 9963100000 31683500000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 9963100000 31683500000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 1592900500000 1592900500000
2 Corporate Banking 1236816100000 1236816100000
3 Digital banking 17600000 17600000
4 Other Retail Banking 1291334900000 1291334900000
5 Other Banking Operations 3115900000 3115900000
6 Unallocated 110038000000 110038000000
Total Segment Assets 4234223000000 4234223000000
Un-allocable Assets 0 0
Net Segment Assets 4234223000000 4234223000000
4 Segment Liabilities
Segment Liabilities
1 Treasury 817836800000 817836800000
2 Corporate Banking 1316196500000 1316196500000
3 Digital banking 25600000 25600000
4 Other Retail Banking 1615243800000 1615243800000
5 Other Banking Operations 917000000 917000000
6 Unallocated 6202800000 6202800000
Total Segment Liabilities 3756422500000 3756422500000
Un-allocable Liabilities 477800500000 477800500000
Net Segment Liabilities 3756422500000 3756422500000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 1932100000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 675800000
Other adjustments for which cash effects are investing or financing cash flow 152800000
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 29372200000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 32132900000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets -201834700000
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 199277000000
Adjustments for provisions 0
Total adjustments for working capital -2557700000
Total adjustments for reconcile profit (loss) 29575200000
Net cash flows from (used in) operations 61258600000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 640900000
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 60617700000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 60617700000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 1497800000
Other cash receipts from sales of equity or debt instruments of other entities 93983900000
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 204100000
Purchase of tangible assets 7315200000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items 85375000000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities 85375000000
5 Cash flows from used in financing activities
Proceeds from issuing shares 28816500000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 83379100000
Dividends paid 0
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items -54562600000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities -54562600000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 91430100000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents -136200000
Net increase (decrease) in cash and cash equivalents 91293900000
Cash and cash equivalents cash flow statement at beginning of period 189296400000
Cash and cash equivalents cash flow statement at end of period 280590300000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 C N K & ASSOCIATES LLP Yes 31-Jul-2027
2 G M KAPADIA & CO Yes 30-Apr-2027


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 YES Bank Ltd State Bank of India Investing Party Any other transaction Treasury, availment of funded facilities, trade and cash management servcies. Read with Note - Includes: Fund based exposures (such as purchase/ sale of investments, call/ term interbank placements and deposits, FCY borrowing and lending); Non fund based exposures (such as Forex, Forwards, Options Swaps, etc.,) Nostro account charges 250000000000 As per omnibus approval 125041038000 36019969000 51835647000 Textual Information(1)
2 YES Bank Ltd YES Securities (India) Limited Subsidiary Any other transaction Recovery of expenditure from Subsidiary - Includes: Telephone, Bandwidth charges, Rent and Common area maintenance for Office, Recovery of Branch Infrastructure expenses and Internal Audit Services. 150000000 As per Overall Omnibus Approval. Refer Note 15144000 0 0 Textual Information(2)
3 YES Bank Ltd YES Securities (India) Limited Subsidiary Any other transaction Income from Subsidiary for business transactions - Includes: Royalty income, Bank Charges, Interest on Overdraft against Fixed Deposits, Interest on Intraday Overdraft, Issuing and Paying Agency Fee, Referrals Fees. 150000000 As per Overall Omnibus Approval. Refer Note 30968000 0 0 Textual Information(3)
4 YES Bank Ltd YES Securities (India) Limited Subsidiary Any other transaction Payable to Subsidiary - Brokerage Fees and Sharing of expenses 150000000 As per Overall Omnibus Approval. Refer Note 1318000 0 0 Textual Information(4)
5 YES Bank Ltd YES Securities (India) Limited Subsidiary Any other transaction Deposits with Bank 150000000 As per Overall Omnibus Approval. Refer Note 40098000 1262500000 1010000000 Textual Information(5)
6 YES Bank Ltd YES Securities (India) Limited Subsidiary Any other transaction Receivable from Subsidiary 150000000 As per Overall Omnibus Approval. Refer Note 0 19800000 8821000 Textual Information(6)
7 YES Bank Ltd YES Securities (India) Limited Subsidiary Any other transaction Payable from Subsidiary 150000000 As per Overall Omnibus Approval. Refer Note 0 0 309000 Textual Information(7)
8 YES Bank Ltd Perfios Software Solutions Private Limited Private Companies in which Director* or his relative is a Member or Director* Any other transaction Includes: Bank/Financial statement Analysis, GST & ITR Fetch and other API services 160000000 As per Overall Omnibus Approval. 46904000 0 0
9 YES Bank Ltd Ram Nirankari Rastogi Director* Any other transaction Fees paid for serving as an expert member 200000 As per omnibus approval 0 0 0
10 YES Bank Ltd Abhijeet Guin Key Managerial Personnel# Any other transaction Deposits with Bank N.A 1000 28000 28000 Textual Information(8)
11 YES Bank Ltd Akruti Tradvest Private Limited Private Companies in which Director* or his relative is a Member or Director* Any other transaction Deposits with Bank N.A 1055000 25000000 25000000 Textual Information(9)
12 YES Bank Ltd Anju Pental Relative of Director* Any other transaction Deposits with Bank N.A 176000 4350000 4350000 Textual Information(10)
13 YES Bank Ltd Aryan Pental Relative of Director* Any other transaction Deposits with Bank N.A 34000 563000 1399000 Textual Information(11)
14 YES Bank Ltd Capri Global Holdings Pvt. Ltd. Private Companies in which Director* or his relative is a Member or Director* Any other transaction Deposits with Bank N.A 46741000 1000958000 1560958000 Textual Information(12)
15 YES Bank Ltd Eroute Technologies Private Limited Private Companies in which Director* or his relative is a Member or Director* Any other transaction Deposits with Bank N.A 3850000 107112000 97112000 Textual Information(13)
16 YES Bank Ltd Jyoti Walia Relative of Director* Any other transaction Deposits with Bank N.A 219000 4292000 5058000 Textual Information(14)
17 YES Bank Ltd Khemani Brothers Firms in which Directors or his relative is a Partnern Any other transaction Deposits with Bank N.A 244000 0 20000000 Textual Information(15)
18 YES Bank Ltd Koyana Gajanan Banodkar Relative of Key Managerial Personnel# Any other transaction Deposits with Bank N.A 131000 3497000 3497000 Textual Information(16)
19 YES Bank Ltd M M Nissim & Co LLP, Chartered Accountants Firms in which Directors or his relative is a Partnern Any other transaction Deposits with Bank N.A 819000 20000000 20000000 Textual Information(17)
20 YES Bank Ltd Manish Jain Director* Any other transaction Deposits with Bank N.A 1012000 19000000 24600000 Textual Information(18)
21 YES Bank Ltd Nandan Gajanan Banodkar Relative of Key Managerial Personnel# Any other transaction Deposits with Bank N.A 4000 100000 100000 Textual Information(19)
22 YES Bank Ltd Neelam Agarwal Relative of Key Managerial Personnel# Any other transaction Deposits with Bank N.A 4000 100000 100000 Textual Information(20)
23 YES Bank Ltd Neeta Niranjan Banodkar Relative of Key Managerial Personnel# Any other transaction Deposits with Bank N.A 12000 296000 296000 Textual Information(21)
24 YES Bank Ltd Niranjan Banodkar Key Managerial Personnel# Any other transaction Deposits with Bank N.A 1000 672000 0 Textual Information(22)
25 YES Bank Ltd P Umadevi Relative of Director* Any other transaction Deposits with Bank N.A 22000 500000 500000 Textual Information(23)
26 YES Bank Ltd Prashant Kumar Managing Director and Chief Executive Officer Any other transaction Deposits with Bank N.A 2874000 50900000 41100000 Textual Information(24)
27 YES Bank Ltd Rajan Pental Director* Any other transaction Deposits with Bank N.A 1608000 32968000 52958000 Textual Information(25)
28 YES Bank Ltd Rama Subramaniam Gandhi Director* Any other transaction Deposits with Bank N.A 144000 3000000 3000000 Textual Information(26)
29 YES Bank Ltd Sadashiv Srinivas Rao Key Managerial Personnel# Any other transaction Deposits with Bank N.A 135000 3000000 3000000 Textual Information(27)
30 YES Bank Ltd Sangeeta Rajpal Relative of Director* Any other transaction Deposits with Bank N.A 85000 2100000 1600000 Textual Information(28)
31 YES Bank Ltd Sarika Jain Relative of Director* Any other transaction Deposits with Bank N.A 128000 3000000 3000000 Textual Information(29)
32 YES Bank Ltd Shampa Guin Relative of Key Managerial Personnel# Any other transaction Deposits with Bank N.A 86000 2133000 2183000 Textual Information(30)
33 YES Bank Ltd Sharad Sharma Director* Any other transaction Deposits with Bank N.A 2000 0 550000 Textual Information(31)
34 YES Bank Ltd Shreya Pental Relative of Director* Any other transaction Deposits with Bank N.A 22000 180000 1136000 Textual Information(32)
35 YES Bank Ltd Svatantra Microfin Private limited Private Companies in which Director* or his relative is a Member or Director* Any other transaction Deposits with Bank N.A 5687000 0 1100000 Textual Information(33)
36 YES Bank Ltd Thekepat Keshav Kumar Director* Any other transaction Deposits with Bank N.A 12000 300000 0 Textual Information(34)
37 YES Bank Ltd YES FOUNDATION Body Corporate Any other transaction Deposits with Bank N.A 1484000 131000000 0 Textual Information(35)
38 YES Bank Ltd Sangeeta Rastogi Relative of Key Managerial Personnel# Any other transaction Deposits with Bank N.A 28000 0 0 Textual Information(36)
39 YES Securities (India) Limited Prashant Kumar Managing Director and Chief Executive Officer Any other transaction Brokerage Fees N.A 0 0 0
40 YES Securities (India) Limited Anshul Arzare Related Parties of Subsidiaries: Directors and Key Managerial Personnel Any other transaction Brokerage Fees N.A 31000 0 0
41 YES Securities (India) Limited Amar Kirti Ambani Relative of Key Managerial Personnel# Any other transaction Brokerage Fees N.A 22000 0 0
42 YES Securities (India) Limited Shivanand R Shettigar Key Managerial Personnel# Any other transaction Brokerage Fees N.A 25000 0 0
43 YES Securities (India) Limited Pinali Amar Ambani Relative of Key Managerial Personnel# Any other transaction Brokerage Fees N.A 10000 0 0
44 YES Securities (India) Limited Rajan Pental Director* Any other transaction Brokerage Fees N.A 9000 0 0
45 YES Securities (India) Limited Niranjan Banodkar Key Managerial Personnel# Any other transaction Brokerage Fees N.A 1000 0 0
46 YES Securities (India) Limited Jyoti Walia Relative of Director* Any other transaction Brokerage Fees N.A 1000 0 0
47 YES Securities (India) Limited Namita Arzare Relative of Key Managerial Personnel# Any other transaction Brokerage Fees N.A 0 0 0
48 YES Securities (India) Limited Snehalata Arzare Relative of Key Managerial Personnel# Any other transaction Brokerage Fees N.A 0 0 0
49 YES Securities (India) Limited Aryan Pental Relative of Director* Any other transaction Brokerage Fees N.A 0 0 0
50 YES Securities (India) Limited Shreya Pental Relative of Director* Any other transaction Brokerage Fees N.A 0 0 0
51 YES Securities (India) Limited Anju Pental Relative of Director* Any other transaction Brokerage Fees N.A 0 0 0
52 YES Securities (India) Limited Neeta Niranjan Banodkar Relative of Key Managerial Personnel# Any other transaction Brokerage Fees N.A 0 0 0
53 YES Securities (India) Limited Praveen Rajpal Relative of Key Managerial Personnel# Any other transaction Brokerage Fees N.A 0 0 0
54 YES Securities (India) Limited Sangeeta Rajpal Relative of Director* Any other transaction Brokerage Fees N.A 0 0 0
55 YES Securities (India) Limited Chetana Anand Related Parties of Subsidiaries: Directors and Key Managerial Personnel Any other transaction Brokerage Fees N.A 0 0 0
56 YES Bank Ltd YES FOUNDATION Body Corporate Any other transaction CSR Activities 230000000 N.A 0 0 0
Total value of transaction during the reporting period 125242189000



Text Block
Textual Information(1) Treasury Transactions include transactions worth Rs. 9,123.33 crores between the Bank and State Bank of India that have been executed through CCIL NDS-order matching platform or similar. Since the transactions were executed in a regulated market, they are excluded from the purview of omnibus limit, this is because at the point of dealing, the Bank does not have the knowledge of the counter party on the other side. Balances in Nostro accounts are reported under opening and closing balances.
Textual Information(2) Effective October 30, 2024, YSIL ceased to be a Wholly Owned Subsidiary (‘WOS’) and continues to be the ‘Subsidiary’ of the Bank. Hence, exemption granted from seeking approval for transactions with WOS under Regulation 23 of SEBI LODR and Section 177 of the Companies Act, 2013 is no longer applicable and prior approval from ACB for transactions with YSIL shall be required. Anticipating the above, an omnibus approval for recurring transactions between the Bank and YSIL was sought from the ACB at its meeting dated October 18, 2024 for FY2025.
Textual Information(3) Effective October 30, 2024, YSIL ceased to be a Wholly Owned Subsidiary (‘WOS’) and continues to be the ‘Subsidiary’ of the Bank. Hence, exemption granted from seeking approval for transactions with WOS under Regulation 23 of SEBI LODR and Section 177 of the Companies Act, 2013 is no longer applicable and prior approval from ACB for transactions with YSIL shall be required. Anticipating the above, an omnibus approval for recurring transactions between the Bank and YSIL was sought from the ACB at its meeting dated October 18, 2024 for FY2025.
Textual Information(4) Effective October 30, 2024, YSIL ceased to be a Wholly Owned Subsidiary (‘WOS’) and continues to be the ‘Subsidiary’ of the Bank. Hence, exemption granted from seeking approval for transactions with WOS under Regulation 23 of SEBI LODR and Section 177 of the Companies Act, 2013 is no longer applicable and prior approval from ACB for transactions with YSIL shall be required. Anticipating the above, an omnibus approval for recurring transactions between the Bank and YSIL was sought from the ACB at its meeting dated October 18, 2024 for FY2025.
Textual Information(5) Effective October 30, 2024, YSIL ceased to be a Wholly Owned Subsidiary (‘WOS’) and continues to be the ‘Subsidiary’ of the Bank. Hence, exemption granted from seeking approval for transactions with WOS under Regulation 23 of SEBI LODR and Section 177 of the Companies Act, 2013 is no longer applicable and prior approval from ACB for transactions with YSIL shall be required. Anticipating the above, an omnibus approval for recurring transactions between the Bank and YSIL was sought from the ACB at its meeting dated October 18, 2024 for FY2025. As per RBI circular DBR/2015-16/19 dated March 03, 2016, the Bank pays additional interest of 1 % per annum, over and above the rate of interest mentioned in the schedule of interest rates on deposits to all Bank staff. Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(6) Effective October 30, 2024, YSIL ceased to be a Wholly Owned Subsidiary (‘WOS’) and continues to be the ‘Subsidiary’ of the Bank. Hence, exemption granted from seeking approval for transactions with WOS under Regulation 23 of SEBI LODR and Section 177 of the Companies Act, 2013 is no longer applicable and prior approval from ACB for transactions with YSIL shall be required. Anticipating the above, an omnibus approval for recurring transactions between the Bank and YSIL was sought from the ACB at its meeting dated October 18, 2024 for FY2025.
Textual Information(7) Effective October 30, 2024, YSIL ceased to be a Wholly Owned Subsidiary (‘WOS’) and continues to be the ‘Subsidiary’ of the Bank. Hence, exemption granted from seeking approval for transactions with WOS under Regulation 23 of SEBI LODR and Section 177 of the Companies Act, 2013 is no longer applicable and prior approval from ACB for transactions with YSIL shall be required. Anticipating the above, an omnibus approval for recurring transactions between the Bank and YSIL was sought from the ACB at its meeting dated October 18, 2024 for FY2025.
Textual Information(8) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(9) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(10) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(11) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(12) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(13) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(14) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(15) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(16) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(17) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(18) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(19) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(20) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(21) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(22) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(23) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(24) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(25) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(26) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(27) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(28) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(29) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(30) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(31) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(32) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(33) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(34) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(35) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.
Textual Information(36) Amounts reported under the column “Value of related party transactions” in respect of ‘Deposit with Bank’ represents interest paid to the related parties on Term Deposits (considering March25 provisional numbers). As per amendment to Regulation 2(1)(zc) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, dated December 12, 2024, the definition of related party transaction (RPT) excludes acceptance of current and savings account deposits by banks from being considered RPTs.


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date
B Of the total amount outstanding, amount of default as on date
3. Total financial indebtedness of the listed entity including short-term and long-term debt