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Join NowYes Bank Limited is one of India’s well-known private sector banks, which went through a major crisis in 2020 but has since been working on a gradual recovery. With strong backing from the State Bank of India (SBI) and other institutional investors, Yes Bank has stabilised its balance sheet, cleaned up bad loans, and returned to profitability. While it’s no longer the high-growth bank it once was, the company is rebuilding trust through digital innovation, retail expansion, and better asset quality. This article explores Yes Bank’s business structure, financial health, growth drivers, challenges, and share price targets for 2026, 2027, 2028, 2030, 2040, and 2050 under different scenarios. We’ll also answer key FAQs around its investment potential, future outlook, and whether it can ever reach ₹100 again.
Table of Contents
Company Overview
Headquarters: Mumbai, Maharashtra
Industry: Banking & Financial Services
Founded: 2004
CEO: Prashant Kumar
Ownership: SBI holds a significant stake along with other institutional investors.
Core Business Areas:
- Retail and SME Banking
- Corporate and Wholesale Banking
- Digital Banking and Payment Solutions
After years of losses, Yes Bank is now posting consistent quarterly profits and improving its asset quality.
Current Financial & Operational Metrics (FY25 Estimates)
| Metric | FY24 | FY25 (Est.) | Trend |
|---|---|---|---|
| Revenue | ₹28,200 crore | ₹30,000 crore | Steady growth |
| Net Profit | ₹1,300 crore | ₹1,800 crore | Improving earnings |
| Gross NPA | 2.0% | <2.0% expected | Asset quality improving |
| CASA Ratio | 31% | 33% | Gradual improvement |
| Market Cap | ₹75,000 crore+ | Increasing | Positive investor sentiment |
Yes Bank’s balance sheet is much stronger today, with a cleaner loan book and comfortable liquidity ratios.
Key Growth Drivers
- Support from SBI and RBI: Ensures stability and trust among depositors.
- Improved Asset Quality: NPAs have dropped significantly since the 2020 crisis.
- Digital Banking Focus: Strong traction in retail and small business loans.
- Deposit Growth: Steady increase in CASA deposits and retail customers.
- Economic Tailwinds: India’s strong banking demand supports growth.
Major Risks & Challenges
- Low Profit Margins: Recovery is ongoing, and returns are still below industry leaders.
- Reputation Recovery: Investor confidence is still rebuilding after past issues.
- Competition: Private banks like HDFC, ICICI, and Axis have stronger franchises.
- Regulatory Pressure: Tight oversight could limit aggressive expansion.
- Dilution Risk: Additional capital raises may impact earnings per share.
Yes Bank Share Price Target Forecast
| Year | Bear Case | Base Case | Bull Case | Key Assumptions |
|---|---|---|---|---|
| 2026 | ₹25 | ₹35 | ₹45 | Stable profits, NPA control continues |
| 2027 | ₹30 | ₹45 | ₹60 | Stronger credit growth, digital expansion |
| 2028 | ₹40 | ₹55 | ₹75 | Sustained profitability, rising ROE |
| 2030 | ₹55 | ₹80 | ₹110 | Full turnaround, strong market trust |
| 2040 | ₹100 | ₹160 | ₹250 | Diversified banking & fintech model |
| 2050 | ₹180 | ₹300 | ₹500 | Established digital-first global presence |
Note: These targets are estimates based on possible economic, market, and company performance scenarios.
Year-Wise Analysis
Yes Bank Share Price Target 2026
By 2026, Yes Bank is expected to maintain steady profitability and further reduce NPAs. With improving credit growth and strong retail traction, the base case share price target is ₹35.
Yes Bank Share Price Target 2027
If deposit growth and net interest margins improve, Yes Bank could reach ₹45–₹60 levels in 2027 under moderate to bullish conditions.
Yes Bank Share Price Target 2028
By 2028, the bank’s profitability and brand confidence could rise, driving the stock toward ₹55 in the base case.
Yes Bank Share Price Target 2030
2030 could mark a full turnaround. With strong digital adoption and stable earnings, the stock might trade between ₹80–₹110 depending on execution.
Yes Bank Share Price Target 2040
As India’s banking ecosystem evolves, Yes Bank could diversify into digital lending, insurance, and fintech collaborations, pushing its base case target to ₹160.
Yes Bank Share Price Target 2050
By 2050, assuming long-term stability and growth, Yes Bank could reach between ₹300–₹500, becoming a mature digital financial institution.
FAQs
1. What is the target price of Yes Bank share?
Analysts and investors estimate that Yes Bank could trade between ₹35–₹45 by 2026, and may reach ₹80–₹110 by 2030 depending on performance and market sentiment.
2. Can Yes Bank go to ₹100?
Yes, but only in the long term. If the bank continues its recovery, maintains profitability, and expands digital banking, reaching ₹100 by 2030 is achievable in a bullish scenario.
3. Is it good to invest in Yes Bank?
Yes Bank can be a long-term recovery play. It’s suitable for investors with patience and moderate risk tolerance, as the turnaround is still in progress.
4. Can I sell 1000 shares of Yes Bank?
Yes, you can sell any number of shares you hold through your trading account during market hours, as long as there’s liquidity (which Yes Bank stock has plenty of).
5. Can Yes Bank make a comeback?
Yes. With SBI’s backing, improved asset quality, and consistent profitability, Yes Bank is already showing signs of a comeback — though it may take time to reach its former highs.
Conclusion
Yes Bank Limited has transitioned from a crisis-hit lender to a rebuilding private bank with improving fundamentals. While the road to complete recovery is long, the progress so far is solid. Its consistent profits, stronger balance sheet, and digital banking focus make it a potential long-term turnaround story.
For investors, Yes Bank offers gradual growth potential rather than quick gains. Patience, diversification, and continuous tracking of financial results are key.
Disclaimer: The share price targets discussed here are for educational purposes only and not guaranteed. Always do your own research or consult a financial advisor before investing.
