📘 About SBI Personal Loan
The State Bank of India (SBI) offers a wide range of personal loans designed to meet every customer’s financial needs. Whether you need quick cash for emergencies, wedding expenses, education, or travel, SBI Personal Loan provides instant approval with minimal documentation. As of 2025, you can apply online through the YONO SBI app or directly on the official website.
👉 Apply / Download Now
📉 Interest Rates & Processing Fees
- Interest Rate: 10.60% to 13.85% p.a.
- Processing Fee: 1.5% + GST
- Maximum Loan Tenure: 72 months
- Loan Amount: ₹50,000 to ₹20,00,000
💡 SBI Personal Loan Types
- SBI Xpress Credit Loan: For salaried employees with SBI salary account.
- SBI Pension Loan: For retired government and defence personnel.
- SBI Festival Loan: Short-term funding during festive seasons.
- SBI Pre-Approved Loan: Instant disbursal to eligible customers.
- SBI Quick Personal Loan: Online-only instant approval with minimal KYC.
📊 EMI Calculator
Estimate your monthly EMI before applying:
📋 Eligibility Criteria
- Minimum Age: 21 years
- Maximum Age: 60 years (65 for pensioners)
- Minimum Monthly Income: ₹15,000
- Employment: Salaried / Self-Employed / Pensioner
📑 Documents Required
- PAN Card & Aadhaar Card
- 3 Months Salary Slip or ITR for self-employed
- 6 Months Bank Statement
- Passport-size Photograph
- Proof of Residence & Identity
🌟 Benefits of SBI Personal Loan
- Instant approval & quick disbursal
- Competitive interest rates
- No hidden charges
- Flexible repayment options
- Online application through YONO App
- Tax benefits under Section 80C (specific cases)
🔗 Useful Internal Links
Disclaimer: This content is for educational and informational purposes only. We do not promote or provide any financial service directly. Please visit the official SBI website or nearest branch for accurate and updated details.