# Yes Bank

> Source: https://docs.barcoder.ai/docs/wallets/yes-bank
> research date 2026-05-30 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Yes Bank — official](https://www.yesbank.in/)

## Overview

**Yes Bank** is **an Indian private sector bank** + **survived Mar 2020 RBI-imposed moratorium + reconstruction via SBI-led consortium 2020 emergency bailout** + **post-Sep 2025 SBI ₹8,889 crore 13.18% stake sale to SMBC** → **SMBC 24.9% Yes Bank largest shareholder** <sup>[1][1], [2][2], [India report](https://docs.barcoder.ai/docs/payments/IN)</sup>. **2025 baseline**: Yes Bank operates in retail + MSME + Corporate banking sectors from 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities; **Sumitomo Mitsui Banking Corporation (SMBC) poised to invest additional ₹160bn (~$1.83bn) in Yes Bank** as combination of equity + debt to enhance the bank's financial standing.

**Distinctive Yes Bank positioning** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Indian private sector bank** + **1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities**
- **Survived Mar 2020 RBI-imposed moratorium + reconstruction via SBI-led consortium 2020 emergency bailout** — distinctive Indian banking near-failure + reconstruction survival
- **Sep 2025 SBI 13.18% stake sale to SMBC** for ₹8,889 crore + **SMBC 24.9% Yes Bank largest shareholder post-sale** — distinctive Indian-Japan banking strategic ownership transfer
- **SMBC poised to invest additional ₹160bn (~$1.83bn) in Yes Bank** as combination of equity + debt — distinctive SMBC Yes Bank capital injection (anticipated to enhance bank's financial standing)
- **2004 Yes Bank founding by Rana Kapoor + Ashok Kapur** — distinctive Indian private sector banking heritage
- **Mar 5 2020 RBI imposes moratorium on Yes Bank** + Mar 13 2020 SBI-led consortium reconstruction scheme (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC) → distinctive Indian banking emergency bailout (largest Indian banking emergency rescue at the time)
- **YES SECURITIES OMNI App** distinctive Indian retail investor demat account app

## History

**Nov 2003 — Yes Bank founded by Rana Kapoor + Ashok Kapur** in Mumbai, India — distinctive Indian private sector banking heritage.

**May 1 2004 — Yes Bank starts operations** as Indian private sector bank.

**Jun 21 2005 — Yes Bank IPO on NSE + BSE**.

**Sep 1 2018 — RBI denies Rana Kapoor extension as Yes Bank CEO** → Yes Bank governance crisis begins.

**Mar 5 2020 — RBI imposes moratorium on Yes Bank** → Indian Yes Bank emergency.

**Mar 13 2020 — SBI-led consortium reconstruction scheme** (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC) → distinctive Indian banking emergency bailout (largest Indian banking emergency rescue at the time).

**Sep 2025 — SBI sells 13.18% Yes Bank stake to Sumitomo Mitsui Banking Corporation (SMBC) for ₹8,889 crore** → **SMBC 24.9% Yes Bank largest shareholder post-sale** <sup>[1][1], [2][2]</sup>.

**2025 — Sumitomo Mitsui Banking Corporation (SMBC) poised to invest additional ₹160bn (~$1.83bn) in Yes Bank** as combination of equity + debt → anticipated to enhance bank's financial standing <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **Yes Bank Limited** (NSE: YESBANK; BSE: 532648).

**Major shareholders**: **Sumitomo Mitsui Banking Corporation (SMBC; Japan; 24.9% post-Sep 2025 SBI 13.18% stake sale + SMBC pre-sale stake; SMBC pledged additional ₹160bn investment) + SBI (State Bank of India; post-Sep 2025 13.18% stake sale; remaining post-2020 SBI-led consortium reconstruction stake) + foreign + Indian institutional + Indian retail public float**.

**Regulator**: **RBI (Reserve Bank of India)**.

## Technical integration

Yes Mobile mobile banking app (iOS + Android) + yesbank.in online + Yes Bank cards (Visa + Mastercard + RuPay) + Yes Bank 1,192 Indian branches + 1,301 ATMs + cash recyclers in 700+ Indian cities; UPI + Bharat QR + IMPS + NEFT + RTGS; **YES SECURITIES OMNI App** distinctive Indian retail investor demat account app + Yes Bank corporate banking + Yes Bank MSME banking + Yes Bank private banking.

## Users & growth

**2025**: Yes Bank 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities + retail + MSME + Corporate banking sectors.

## Use cases

Indian retail + private + corporate + MSME + investment + insurance banking via Yes Mobile + yesbank.in online + cards + branches; UPI + Bharat QR + IMPS + NEFT + RTGS; **YES SECURITIES OMNI App** distinctive Indian retail investor demat account app + Yes Bank corporate banking + Yes Bank MSME banking + Yes Bank private banking.

## Implementations & partners

**Operator**: Yes Bank Limited (NSE: YESBANK; BSE: 532648); **Sumitomo Mitsui Banking Corporation (SMBC; Japan; 24.9% post-Sep 2025 SBI 13.18% stake sale + SMBC pre-sale stake) + SBI (post-Sep 2025 13.18% stake sale; remaining post-2020 reconstruction stake)**.

**Subsidiaries**: **YES SECURITIES** (Indian retail investor demat account broker; YES SECURITIES OMNI App distinctive) + **YES BANK Capital Markets** + **YES Asset Management India** + **YES BANK Trustee Company**.

**Major Indian banking competitors**: [HDFC Bank App](https://docs.barcoder.ai/docs/wallets/hdfc-bank) (India #1 private; 2023 HDFC Limited reverse merger) + [ICICI Bank](https://docs.barcoder.ai/docs/wallets/icici-bank) (India #2 private; iMobile Pay) + [Axis Bank / Axis Mobile](https://docs.barcoder.ai/docs/wallets/axis-bank) (India #3 private; 14M Axis Mobile MAU; 2025 Citibank India retail migration completion) + [Kotak Mahindra Bank / Kotak811](https://docs.barcoder.ai/docs/wallets/kotak-mahindra) (India #4 private; Kotak811 = 3rd most-downloaded banking app worldwide H1 2025; SMBC strategic) + [IndusInd Bank / INDIE](https://docs.barcoder.ai/docs/wallets/indusind-bank) (one of India's leading private sector banks; 41M Indian customers; INDIE distinctive Indian banking digital transformation; Hinduja family-controlled) + [IDFC First Bank](https://docs.barcoder.ai/docs/wallets/idfc-first-bank) (Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger) + [SBI YONO (State Bank of India)](https://docs.barcoder.ai/docs/wallets/sbi-yono) (India #1 by assets state-controlled; YONO 70M+ MAU).

**Regulator**: RBI.

## Fun facts

- **Indian private sector bank** + **1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities**.
- **Survived Mar 2020 RBI-imposed moratorium + reconstruction via SBI-led consortium 2020 emergency bailout** — distinctive Indian banking near-failure + reconstruction survival.
- **Sep 2025 SBI 13.18% stake sale to SMBC** for ₹8,889 crore + **SMBC 24.9% Yes Bank largest shareholder post-sale** — distinctive Indian-Japan banking strategic ownership transfer.
- **SMBC poised to invest additional ₹160bn (~$1.83bn) in Yes Bank** as combination of equity + debt — distinctive SMBC Yes Bank capital injection.
- **Nov 2003 Yes Bank founding by Rana Kapoor + Ashok Kapur** — distinctive Indian private sector banking heritage.
- **Mar 5 2020 RBI imposes moratorium on Yes Bank** + Mar 13 2020 SBI-led consortium reconstruction scheme (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC) → distinctive Indian banking emergency bailout (largest Indian banking emergency rescue at the time).
- **YES SECURITIES OMNI App** distinctive Indian retail investor demat account app.

## Comparison

| Feature | Yes Bank | [IndusInd Bank / INDIE](https://docs.barcoder.ai/docs/wallets/indusind-bank) (one of India's leading private sector banks rival; 41M customers; INDIE Bank distinctive digital transformation; Hinduja family) | [IDFC First Bank](https://docs.barcoder.ai/docs/wallets/idfc-first-bank) (Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger rival) | [Axis Bank / Axis Mobile](https://docs.barcoder.ai/docs/wallets/axis-bank) (India #3 private + 14M Axis Mobile MAU rival) | [Kotak Mahindra Bank / Kotak811](https://docs.barcoder.ai/docs/wallets/kotak-mahindra) (India #4 private + Kotak811 + SMBC strategic rival) |
|---|---|---|---|---|---|
| Operator | **Yes Bank Limited (NSE: YESBANK; BSE: 532648)** | IndusInd Bank Limited (NSE: INDUSINDBK; BSE: 532187) | IDFC First Bank Limited (NSE: IDFCFIRSTB; BSE: 539437) | Axis Bank Limited (NSE: AXISBANK) | Kotak Mahindra Bank Limited (NSE: KOTAKBANK) |
| Type | **Indian private sector bank + 1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities + survived Mar 2020 RBI moratorium + reconstruction + Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore + SMBC 24.9% largest shareholder + SMBC additional ₹160bn (~$1.83bn) capital injection pledge** | One of India's leading private sector banks + 41M Indian customers Mar 31 2025 + 3,081 Indian branches/banking outlets + INDIE distinctive Indian banking digital transformation + Hinduja family-controlled | Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger + IDFC Bank + Capital First merger heritage + Mar 20 2025 IDFC First Bank ACE Feature mobile app launch (mutual fund insights for 2,500+ funds) | India #3 private + 5,876 branches + Axis Mobile 14M MAU + 2025 Citibank India retail migration completion | India #4 private + Kotak811 = 3rd most-downloaded banking app worldwide H1 2025 + SMBC strategic investment |
| Country | IN | IN | IN | IN + 6+ countries | IN + 5+ countries |
| Distinctive | **Nov 2003 Yes Bank founding by Rana Kapoor + Ashok Kapur in Mumbai; May 1 2004 operations start; Jun 21 2005 NSE + BSE IPO; Sep 1 2018 RBI denies Rana Kapoor CEO extension (governance crisis); Mar 5 2020 RBI moratorium + Mar 13 2020 SBI-led consortium reconstruction (SBI + HDFC + ICICI + Axis + Kotak + LIC); Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore (SMBC 24.9% largest shareholder); 2025 SMBC ₹160bn (~$1.83bn) additional capital injection pledge** | Apr 1994 IndusInd Bank founding by Indian community NRIs led by Srichand P. Hinduja in Mumbai; 2022 INDIE app launch; Mar 31 2025 IndusMobile discontinued; 2025 INDIE for Business launch (60M+ MSMEs target) | 2015 IDFC Bank founding from IDFC Limited's infrastructure financing business; 2018 IDFC Bank + Capital First merger; Oct 1 2024 IDFC Limited + IDFC First Bank reverse merger completion | 1993 UTI Bank founding + 2007 Axis Bank renaming; 2022 Citibank India retail business USD 1.6B acquisition | 1985 Kotak Mahindra Finance Limited founding by Uday Kotak; 2003 RBI bank licensing |

## Status

**Active, Indian private sector bank survived Mar 2020 RBI-imposed moratorium + reconstruction + post-Sep 2025 SBI 13.18% stake sale to SMBC** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **Yes Bank Limited (NSE: YESBANK; BSE: 532648)** since Nov 2003 Yes Bank founding by Rana Kapoor + Ashok Kapur in Mumbai + May 1 2004 operations start + Jun 21 2005 NSE + BSE IPO.
- **Mar 5 2020 RBI moratorium + Mar 13 2020 SBI-led consortium reconstruction (SBI + HDFC Bank + ICICI Bank + Axis Bank + Kotak Mahindra Bank + LIC)**.
- **Sep 2025 SBI 13.18% stake sale to SMBC for ₹8,889 crore + SMBC 24.9% Yes Bank largest shareholder post-sale + SMBC additional ₹160bn (~$1.83bn) capital injection pledge**.
- **1,192 branches + 1,301 ATMs + cash recyclers in 700+ Indian cities**.
- **RBI regulated**.

## Sources

[1]: https://en.wikipedia.org/wiki/Yes_Bank "Yes Bank — Wikipedia"
[2]: https://www.smbc.co.jp/news_e/pdf/e20250509_02.pdf "Investment in YES BANK — SMBC"
[3]: https://www.retailbankerinternational.com/news/sumitomo-inject-1-8bn-indias-yes-bank/ "Sumitomo Mitsui to reportedly inject $1.8bn into India's Yes Bank — Retail Banker International"
[4]: https://www.tribuneindia.com/news/business/yes-securities-omni-app-brings-smarter-faster-demat-account-access-to-retail-investors/amp "YES SECURITIES' OMNI App Brings Smarter, Faster Demat Account Access to Retail Investors — The Tribune"
[in-cro]: https://docs.barcoder.ai/docs/payments/IN

- [1] [Yes Bank — Wikipedia][1]
- [2] [Investment in YES BANK — SMBC][2]
- [3] [Sumitomo Mitsui to reportedly inject $1.8bn into India's Yes Bank — Retail Banker International][3]
- [4] [YES SECURITIES' OMNI App Brings Smarter, Faster Demat Account Access to Retail Investors — The Tribune][4]
- <sup>[India report](https://docs.barcoder.ai/docs/payments/IN)</sup> In-corpus: `reports/countries/IN-india.md`

## Source

Biography extracted from [yes-bank.md](https://docs.barcoder.ai/source/wallets/yes-bank). See `matrix.md` for standards-support matrix if present.