This is a slightly more complicated issue if you have taken loans from Yes Bank. If you think you don’t need to worry about loans taken from Yes Bank, think again. Your deposit balance will stand reduced to the extent of the loans and guarantees outstanding. To that extent your withdrawal power will be reduced. Whether SBI takes over these loans in its books in future is not known but it is better you also privately negotiate with your principal banker to take over these loans post April. Till April 03rd, these loans will impair your ability to withdraw cash from Yes Bank, so be prepared. Your liabilities still remain in your books. However, if your cash balance is Rs.1 lakh and your outstanding personal loan is Rs.85,000 then your borrowing limit will be restricted to Rs.15,000, even through RBI permits withdrawal up to Rs.50,000. This is an important point to remember.