SBI Personal Loan
SBI personal-loan family includes salary-account loans and pre-approved digital personal loans.
Key Benefits
Personal loan up to ₹35 lakh stated in SBI product booklet; pre-approved loans up to ₹15 lakh on YONO/Internet Banking; minimum paperwork; instant credit for applicable products.
Eligibility
Scheme-specific; SBI personal-loan products include salary-account customers and pre-approved customers.
Fees & Charges
Processing fees vary by scheme. Clean Overdraft: NIL. SBI Pension Loan: 1% min ₹1,000 + GST, max ₹10,000 + GST. Jai Jawan Pension Loan: NIL. Xpress Credit: 1.50% min ₹1,000 + GST, max ₹15,000 + GST.
How to Apply
Apply through eligible SBI channels including YONO/Internet Banking for applicable products.
Frequently Asked Questions
What is the starting rate shown by SBI?
SBI's current product navigation shows 10.00% p.a. onwards; actual rate depends on scheme and eligibility.
What is the Xpress Credit processing fee?
SBI lists 1.50% of loan amount, minimum ₹1,000 + GST and maximum ₹15,000 + GST.