Mumbai, 24 February 2026: As of 1:47 pm on 24 February 2026, the last traded price of Yes Bank Ltd (Yes Bank Share Price) on NSE was ₹20.67, down ₹0.22 or 1.05%. The day’s open was ₹20.89, high ₹21.01, low ₹20.61, and previous close ₹20.89. The trading volume was huge – 55.168 million shares, valued at ₹114.92 crore.
On BSE, the closing on 23 February showed the LTP at ₹20.88 (-0.76%), opened at ₹21.05, with a high of ₹21.14 and a low of ₹20.77. Prices are almost the same on both exchanges. The 52-week high was ₹24.30 (10 October 2025) and low ₹16.02 (12 March 2025). The market cap is around ₹66,000 crore.
YES Bank Limited’s products and services
Yes Bank is a full-service private sector commercial bank headquartered in Mumbai. It provides a range of digital and traditional services to retail, MSME and corporate clients. Main products:
- Retail banking: savings account, current account, fixed deposit, recurring deposit. Home loan, personal loan, car loan, education loan.
- Credit and debit cards: with various rewards and offers.
- Digital banking: YES MOBILE app, net banking, UPI, IRIS Biz (a single platform for small businesses to manage finances).
- MSME and corporate: transaction banking, working capital loans, project finance, trade finance.
- Investment and wealth management: mutual funds, bonds, stock broking, insurance.
- Others: private banking, mortgages, asset management
The bank has 1,192 branches and 1,301 ATMs. Services in over 700 cities. There was a strong growth in digital transactions and retail deposits in 2025-26.
Impact of government policies on Yes Bank Limited’s products and services
The policies of the Government of India and the RBI gave YES Bank a big boost in its recovery after the 2020 crisis. Main impact:
- Approval for RBI board changes (September 2025): With Japan’s Sumitomo Mitsui Banking Corp (SMBC) taking a 20% stake, two nominee directors came in. This strengthened the capital base and helped in achieving the target of raising ROA to 1%.
- Banking Laws (Amendment) Act, 2025: governance reforms, protection of depositors and investors, improved audit quality. Private banks like Yes Bank have gained stability.
- EASE reforms: Credit for risk management, digital innovation, MSMEs and gig workers. Boosting YES Bank’s MSME loans and retail products.
- Digital India and UPI: schemes like ‘Credit Line on UPI’, ‘Hello! UPI’. Usage of Yes Bank’s digital services (IRIS Biz, YES MOBILE) has increased.
- Priority sector lending, Mudra, PMJDY: Retail and MSME loans increased. Asset quality improved due to RBI’s SMA/NPA rules.
- Foreign ownership rules relaxed: Easy for foreign investors like SMBC. Yes Bank expects more FDI in the future.
- RBI rules 2026: Dormant accounts will be closed, KYC update mandatory. Affects Yes Bank savings accounts, but active accounts benefit.
Overall, these policies are boosting Yes Bank’s retail growth, digital transactions and profitability. In Q3 FY26, PAT rose 55% to ₹952 crore.
Market experts and brokerages’ 2026 Yes Bank share price target
Brokerages’ view for 2026 is mixed but cautiously positive. Key points: ROA improvement, SMBC backing, retail turnaround.
- Trendline: Average target ₹24.37 (16.6% upside from ₹20.89). 4 reports, 3 analysts.
- Nomura (January 2026): Neutral, target ₹22. On track for ROA, but retail turnaround is important.
- ICICI Securities: Hold, target ₹24 (previously ₹22).
- Emkay Global: Sell, sub-par growth and high valuation
- Investing.com (11 analysts): Average ₹20.27 (High ₹28, Low ₹17).
- TradingView: Average ₹21.65 (Max ₹32.10, Min ₹17).
- Others: Some reports expect up to ₹28 after a good Q3.
Mostly Hold/Neutral. 12-month average target between ₹20-24. Positive: Profit growth, asset quality. Negative: High valuation, competition.
Returns given to investors on Yes Bank shares
- 1 year (1Y): +16% to +17% (from February 2025).
- 3 years (3Y): +27% to +28%.
- 5 years (5Y): +28% to +34% (CAGR).
- 10 years (10Y): -17% (a big drop from ₹400+ in 2018, due to the 2020 crisis)
TTM returns -2% to +4%. Recovery seen over the last 3-5 years, but long-term investors still at a loss. Profit up 55% in Q3 FY26, good EPS growth. Dividend is low, but capital appreciation expected.
Should you buy, sell or hold Yes Bank shares?
Hold or buy cautiously – that’s what most experts think.
- Reason to buy: SMBC stake, 1% ROA target, profit growth, positive impact of government policies, 10-16% upside to average target. Long term (2-3 years) retail and MSME focus is beneficial.
- Reason to sell/stay cautious: high valuation, retail turnaround not complete yet, competition (HDFC, ICICI), RBI regulations risk, market volatility. Some brokerages are Sell/Neutral.
Expert’s recommendation (general analysis):
- Long-term investor (3+ years): Buy on dips (₹18-20) or hold. Fundamentals are improving.
- Short term: Cautious, swing trading possible as trading volume is high.
- Risk: Regulatory, interest rate, NPA risk in the banking sector.
Important: This article is for information purposes only. It is not investment advice. Discuss with a SEBI registered advisor or broker based on your risk profile and financial goals. The market is always changing.
Conclusion
Yes Bank is coming out of the 2020 crisis. Due to government policies, foreign investment and a strong digital focus, good progress is expected by 2026. Today’s share price is around ₹20.70, but if the fundamentals improve, it could go up to ₹24+. Investors should have a long-term perspective. For regular updates, check NSE, BSE, or Yes Bank’s official site.
