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Do you need money urgently?…then there is no need to worry, because State Bank of India (SBI) To you 'SBI Quick Personal Loan' Claims to provide loan facility in just a few minutes. PSB59 in less time through up to ₹20 lakh You can get digital approval for a personal loan without any hassle. Know what is the interest rate of SBI personal loan, how you can get online loan, what is the method of application, what is the eligibility for it etc.How to take SBI personal loan,
In this article:
SBI personal loan interest rates (2024)
The repayment tenure for SBI Quick Personal Loan is 6 months to 72 months. The processing fee for the loan is 1.50 percent, which depends on the loan amount. Along with this you will also have to pay GST.
SBI Personal Loan Scheme | Rate of interest |
SBI Xpress Credit Personal Loan | 11.05%-14.05% pa |
SBI Xpress Elite Scheme | 11.05%-11.80% pa |
SBI Xpress Flexi Scheme | 11.30%-14.30% pa |
SBI Xpress Lite Scheme | 12.05%-15.05% pa |
SBI Quick Personal Loan | 11.30%-14.30% pa |
SBI Pension Loans | 11.20 % pa onwards |
Pre-approved Personal Loans (PAPL) to Non CSP Customers | 13.55%-14.05% pa |
Xpress Credit Insta Top-up Loans | 12.15% pa |
How to apply online for SBI personal loan
If you want to apply online for SBI personal loan, then the method is easy. For this you have to follow the steps given below:
step 1: For SBI Quick Personal Loan you must first https://www.sbiloansin59minutes.com/signup Will have to visit the site.
Step-2: then you here register to do your Name, Email ID, Captcha Code with mobile number Must be entered. On this otp will receive. Then you will be able to register through the OTP received on the mobile.
Step-3: after this Email ID or mobile number and captcha code Via signin Will have to do it. After this you will get your password setup Will have to do.
Step-4: If you are for the first time personal loan If you are taking it, then your Create new profile Will have to do. For this, from the dashboard profile You have to click on that option.
Step-5: after this Loan With the option you personal loan Go to section . Then you have to confirm for what purpose you are taking the loan. after this proceed Click on.
Step-6: After this you will get your itr upload Will have to do. Then proceed Click on.
Step-7: Then here on a separate page for three months Bank statement Must be uploaded.
Step-8: now on the next page Basic Information Must be entered and after reading the terms and conditions agri button Have to click on.
Step-9: Then register mobile number to fetch credit data otp will be sent. To you verify Will have to do.
Step-10: now you personal loan You will reach the page where you will have to enter the amount required. Then email verification For this you will have to enter OTP.
Step-11: Here options of different loan giving banks will be visible, where interest rates can be compared. Then the bank from which you want to take loan Branch, City etc. will have to be selected and the form will have to be filled.
Step-12: then you In-principle approval letter Will be received through registered email. After confirmation, the loan amount will be sent to your account.
Who can get SBI personal loan (eligibility)
The following qualifications are required to take a quick personal loan from SBI:
- working in state and central government
- working in a semi-government enterprise
- working in a central public undertaking
- working in a state public undertaking
- working in an educational institution
- Working in private/public corporates
- Employees having salary account in any other bank
- The minimum monthly salary of the applicant should be Rs 15,000.
- The ratio of net monthly income and EMI should not exceed 50%.
- Applicant's age should be between 21 to 58 years
- Applicant should have minimum 1 year service
Documents for SBI Personal Loan
The following documents will be required for SBI personal loan:
- loan application form
- 2 passport size photographs
- Driving License/Passport/PAN/Voter ID
- Income Tax, PAN Copy
- Proof of residential address such as rent agreement/passport/utility bill (up to 3 months old).
- Income proof documents like 3 months salary slip, bank statement, EMI debit message.
How to track SBI personal loan application status
After applying for SBI personal loan, you can track your application status. For this follow the steps given below:
step 1: To track SBI loan application status https://onlineapply.sbi.co.in/personal-banking/application-status But will have to visit.
Step-2: After this you will be here Unique Reference Number (URN) Must be entered.
Step-3: Now you will get your mobile number And ISD code (91 for India) Must be entered.
Step-3: “Track” Click the button. Then Application Status Screen But it will become visible.
SBI personal loan helpline number
SBI has dedicated toll-free numbers on which you can get information related to personal loan. For this 1800 1234, 1800 2100, 1800 11 2211, 1800 425 3800, 080-26599990 You can contact at. Also, alternatively toll number to contact the customer care team 080 26599990 You can dial on.
Related Questions (FAQs)
Do I have to give any kind of security for SBI personal loan?
There is no need to give any kind of security for personal loan.
Can spouse's income be added to avail loan?
Yes, the spouse's income can be added, provided he or she guarantees the loan or is a co-applicant.
How can I get instant loan from SBI?
To get an instant pre-approved personal loan from SBI, you have to use the YONO app. Follow the steps given below:
step 1: yono app or log in to the website
Step-2: Click on 'Avail Now' under Personal Loan
Step-3: Select your tenure and amount.
Step-4: Enter the OTP sent to your mobile number.
Step-5: The loan amount is deposited in your account.
What is the best interest rate I can get on my SBI Personal Loan?
SBI personal loan interest rates start from 9.60%.
What is the minimum income criteria to avail personal loan from SBI?
The minimum income of the applicant should be Rs 15,000 per month.
How long does it take for the personal loan to be processed?
SBI usually takes 2-7 working days to release the personal loan upon submission of duly filled application form along with all the required documents.
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