What is the minimum balance?
₹1,000 for savings accounts.
What is the interest rate on savings accounts?
Up to 10% yearly.
Can I open a zero-balance account?
Yes, with Insta Account option.
When will I get my account statement?
On the 1st of every month via email.
Can I use any branch across India?
Yes, services are available nationwide.
How secure is net banking?
It is secured with OTPs and encryption.
Is account opening free?
Yes, online opening is free.
Can I nominate someone for my account?
Yes, nomination is allowed.
Can I update my mobile number online?
Yes, via net banking or branch.
How do I close my account?
Visit your home branch with a request form.
Is ATM withdrawal free?
Yes, limited free withdrawals monthly.
How to block a lost debit card?
Use mobile app or call customer care.
Can I apply for a new debit card?
Yes, via net banking or branch.
Is international usage allowed?
Yes, enable it via app or net banking.
How many free ATM withdrawals per month?
5 in metro cities, 8 in non-metro.
Can I change my ATM PIN online?
Yes, via net banking or ATM.
What is the daily ATM cash limit?
Up to ₹50,000 depending on card type.
Can I withdraw cash abroad?
Yes, on international-enabled cards.
Is there a charge for replacement debit cards?
Yes, nominal charges apply.
Can I get an instant debit card?
Yes, issued at select branches.
How to register for net banking?
Use customer ID and registered mobile.
Can I reset my password online?
Yes, via “Forgot Password” option.
Is mobile banking app available?
Yes, download from app stores.
Can I pay bills through net banking?
Yes, all major bills are supported.
Is UPI available?
Yes, through the YHM mobile app.
Can I transfer funds instantly?
Yes, via IMPS/UPI.
Is there a limit for UPI transfers?
Up to ₹1 lakh per day.
Can I view mini statements online?
Yes, through app or net banking.
Can I block my account via app?
Yes, instantly through the app.
Is biometric login supported?
Yes, on the mobile app.
Can I apply for a personal loan online?
Yes, via YHM website or app.
What is the interest rate for loans?
Depends on loan type and profile.
How long does loan approval take?
Usually within 48 hours.
Can I prepay my loan?
Yes, with applicable charges.
Is EMI auto-debit available?
Yes, from your YHM account.
Can I get a loan without collateral?
Yes, for personal loans.
What documents are needed for loans?
ID proof, address proof, income proof.
Can I apply for a home loan?
Yes, YHM offers home loans.
Is top-up loan available?
Yes, for eligible customers.
Can I track loan status online?
Yes, via app or net banking.
What is the FD interest rate?
Varies by tenure, up to 8%.
What is the minimum FD amount?
₹5,000.
Can I open FD online?
Yes, via net banking or app.
Can I break FD before maturity?
Yes, with penalty charges.
Is auto-renewal available for FD?
Yes, you can enable it.
What is RD minimum installment?
₹500 per month.
Can I change RD amount?
No, fixed once started.
Is tax saver FD available?
Yes, with 5-year lock-in.
Is FD safe?
Yes, insured up to ₹5 lakh.
Can senior citizens get extra FD interest?
Yes, additional 0.5% interest.