Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 SBI Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    12.90% - 14.90% Floating
    0.5% + applicable tax One time fee
    25K - 15L
    5 Years
    Response Time : Within 30 minutes
    Documents
    Perks
    Think about
    Eligibility Criteria
    SBI Personal Loan is Rated as "Excellent!" by 394 Users

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    SBI Personal Loan

    State Bank of India (SBI) is a government-owned bank with its headquarters in Mumbai, Maharashtra. State Bank of India (SBI) offers some of the most exciting Personal Loan products in India. SBI offers 4 exciting types of Personal Loans:Xpress Credit Personal Loan, SBI Saral Loan, SBI Festival Loans, Personal Loans to pensioners. Read on to view full details on what it takes to qualify for an SBI personal loan. By providing a few details about yourself, you can check your eligibility for an State Bank personal loan in seconds.


    You're probably eligible for an SBI Personal Loan if you are

    • At least 21 years old
    • Less than 58 years old
    • Salaried / Self “ Employed with regular income
    • Earn more than the minimum income required

    Your SBI Personal Loan amount eligibility is based on these factors

    • Minimum income required Rs.5,000 per month
    • Maximum allowed personal loan is Rs. 15,00,000 lakhs
    • EMIs of other loans lower your eligibility

    Increase your eligible SBI Personal Loan amount by these steps

    • Pay off your credit card bills
    • Choose longer tenure loan up to 4 years


    Documentation needed to apply for an SBI Personal Loan

    • Proof of identity: Passport/voter ID card/driving license
    • Signed application form with photograph
    • Processing fee cheque
    • Last 3 months bank statement/6 months bank passbook
    • Documentation for salaried applicants:
      • Latest salary slip
      • Current dated salary certificate with the latest Form 16
    • Documentation for self-employed applicants:
      • Latest Bank statement
      • Latest ITR or Form 16

    SBI Personal Loan Interest RatesUpdated on 25 Sep 2017

    SBI Personal Loan Details
    Interest Rate 12.90% to 14.90%
    Processing Fees 0.5% of the Loan Amount + applicable tax
    Loan Tenure 5 years
    Pre-closure Charges 3% on prepaid amount
    Guarantor Requirement No guarantor required

    The State Bank of India is one of the largest public sector banks in India, with a widespread network. It is also one of the most preferred banks for getting personal loans for the average Indian, pensioners, servicemen, businessman et al.

    The SBI offers personal loans for both salaried and self-employed individuals to counter any sort of immediate financial requirements. State Bank of India does not seek any security or collateral requirements for personal loans. The money made available to the borrower through SBI personal loan can be used as per the personal requirements for the individual without any restrictions criteria for this. SBI personal loans can be availed for all kinds of personal finance requirements like marriage expenses, foreign travel, health or medical-treatment related expenses, educational purposes, other miscellaneous expenses.

    State Bank of India offers personal loans at low-interest rates and with seasonal offers from time to time, making it one of the most popular choices for borrowers. Low processing fee with zero prepayment penalties and no hidden charges make SBI personal loans a popular choice with both salaried, self-employed and working professionals.

    State Bank of India offers a personal loan up to 12 times the net monthly income for salaried individuals and pensioners subject to a ceiling of Rs.10 Lakhs with repayment tenure of 48 months. SBI has initiated a quick loan approval system making sure that all personal loan requests are approved in a maximum period of 3-4 days of submission of complete documentation.

    SBI Personal Loan Interest Rate

    Personal loan interest rates in SBI are of 2 types, the floating rate and the fixed rate.

    • Floating Rate of Interest: It is the rate of interest on a loan charged at the prevailing 1-year MCLR on a daily reducing balance. The rate of interest is subject to 1-year reset from the date of disbursement. Bank has the option to reduce or increase the EMI or extend the repayment period or both consequent upon revision in the interest rate.
    • Fixed Rate of Interest: Interest rate on the loan will be charged at prevailing 2-year MCLR as on the date of sanction on a daily reducing balance with monthly rests. The rate of interest will be fixed for the entire tenure of the loan.
    Particulars Salaried Self Employed
    Interest Rate 11.90% onwards 12.40% onwards
    Loan Tenure Maximum 5 years Maximum 5 years
    Loan Amount
    • Minimum Rs.25,000
    • Maximum Rs.15 lakh
    • Minimum Rs.25,000
    • Maximum Rs.15 lakh
    Processing Fee 1% of loan quantum 1% of loan quantum
    Prepayment Charges 3% on prepaid amount 3% on prepaid amount

    Why Choose SBI Personal Loan

    • Transparent loan sanctioning procedure
    • Attractive interest rates on various types of personal loans
    • Minimal processing fees and no hidden charges
    • Loan tenure ranging from 1 to 5 years
    • Online Applications accepted for sanctioning the personal loan
    • Dedicated round the clock customer care for personal loan customer
    • Multiple personal loan options depending on customer requirement

    Documents required for SBI Personal Loan

    • Fully filled loan application form.
    • Passport Size Photos (2 copies).
    • Income Tax PAN Copy.
    • Identity Proof - Driving License/ PAN/ Passport/ Voter ID.
    • Residential Address Proof - Registered Rent Agreement/ Passport/ Leave and License/ Utility Bill (up to 3 months old).
    • Income Documents - 2 years Form 16, 3-month pay slip, 3 months bank statement showing salary credit and any EMI debit.

    SBI Personal Loan Features & Benefits

    • Higher Loan Quantum: SBI offers a high amount as personal loan
    • Low-Interest Rates: Some of the lowest rate of interest offered
    • Quick Loan Disbursal: Fast disbursal and approval of loan
    • Targeted Loan Schemes: Specific loan schemes for every borrower
    • Wide network of operation enables loan applications at almost every location in India

    SBI Personal Loan Eligibility

    • Age: Age plays an important role to know your eligibility and repayment capacity. SBI offers personal loans to salaried individuals who are at least 21 years old at the time of loan approval and maximum 58 years at the time of loan maturity.
    • Income: The personal Loan calculator calculates your eligibility based upon your income. Usually, banks set minimum levels of income to apply for a personal loan. SBI asks for net monthly income of minimum Rs. 24,000.
    • Job stability and Profession: Job stability is important to improve your status and eligibility for a personal loan from SBI. In case you are salaried, you must be in a full-time job for at least 24 months of which not less 12 month must be with your current company. If you are working with a reputed company, the probability of getting a personal loan from SBI increases as the income is considered to be more stable and bank offers low-interest personal loan to the employees of reputed companies.
    • CIBIL Score: Your past CIBIL history and repayment record of existing loans and credit cards has a direct impact on your personal loan eligibility. If you have a poor repayment record, then you may not get the loan but on the other side, a regular repayment record increases your personal loan eligibility.
    • Loan Amount: SBI gives your personal loan depending upon your income. SBI gives you an amount ranging from Rs. 10,000 to Rs. 1,500,000. To improve chances of approval, apply for a loan amount that you can comfortably service.
    Type of personal loan Age Minimum loan amount Maximum loan amount
    SBI Xpress Credit Personal Loan 21 to 58 years Rs.24,000 Rs.15 lakh
    SBI Loan for Pensioners 60 to 76 years Rs.25,000 Maximum 10 months of pension for up to 14 lakhs
    SBI Festival Loan 21 to 58 years Rs.5,000 Rs.50,000
    SBI Saral Loan 21 to 58 years Rs.24,000 in metro cities Rs.10,000 in other places Rs.10 lakh

    SBI Personal Loan Interest rate calculator works on various inputs like:

    • Loan Amount: Generally banks offer lower interest rates for a higher amount. However, SBI offers loan between Rs. 10,000 and 1,500,000.
    • Salary: Higher salary bracket individuals are offered loans at lower interest rates. SBI interest rate varies with your net monthly income.
    • Employer Category: Employer category of the borrower is a major deciding factor in order to determine his/her rate of interest. SBI has a list of company categories of salaried individuals to which they avail a personal loan. So, higher company category leads to a low rate of interest.
    • Relationship with the Bank: SBI offers special rates, offers, and charges to the existing account holders of the bank. Those who have managed their accounts and made all the payments on time in past will get the benefit of low SBI personal loan interest rate.
    • Loan Tenure: SBI Personal loans are of shorter tenure ranges from 6 months to 48 months and carry a high rate of interest compared to longer term loans.
    • Repayment Capacity: Before giving a loan to the borrower, SBI checks the repayment capacity of the borrower. Bank verifies the repayment capacity of the customer through CIBIL as it has all the details of previous loans taken and their repayments. CIBIL also gives the information of credit card bills payment.

    SBI also offers loan to defence, armed forces and government employees. SBI personal loan interest rate for government employee and defence personnel varies from private salaried employees.

    EMI or equated monthly installments are the amounts that you need to pay every month in order to pay off your personal loan. Though you can always calculate your EMI by hand, it is much easier to use a personal loan EMI calculator in order to estimate your monthly EMI payouts. Do the following after logging on to the BankBazaar.com website in order to estimate your loan repayments:

    • Go to the tools section of the website and click on the personal loan EMI calculator link.
    • On the Personal Loan EMI calculator page, use the sliders or input the key data such as the loan principal amount, the applicable interest rate and the required loan tenure to get instant results.
    • You can adjust any of these parameters as per your requirement in order to get the desired EMI amount.

    Apart from receiving the instant results, you will also benefit from the fact that you can make an informed decision regarding how much you can take as an SBI personal loan and afford the associated EMI payouts.

    The process for taking a personal loan from SBI is very simple and quick. The documentation process is minimal and self-explanatory.

    You will not be required to make arrangements for any collateral or guarantor or security to get a personal loan from SBI. A collateral or security refers to an asset which is given to the lender or bank before the loan is issued. It serves as a security where if the borrower misses the repayment deadlines several times, then the bank has the authority to seize the asset’s ownership from the borrower and sell it to someone else. This is done to recover the costs of the unpaid loan.

    A guarantor is an individual who promises to repay the remaining loan amount when the borrower misses repayment deadlines due to any reason. When you go for any of the personal loan schemes offered by SBI, you need not worry about getting any guarantor. The bank sanctions a loan without a collateral and a guarantor.

    • You will need to pay a minimal fee as a processing fee for procuring a personal loan from SBI. It is usually 1.01% of your loan quantum. You will not have to pay any hidden charges during the application process.
    • You may also negotiate the interest rate for your SBI personal loan with a bank representative and then fix your interest rate for your EMIs.
    • You can go for a term loan or an overdraft limit on your present account with SBI.
    • The minimum loan amount varies according to the type of personal loan offered by SBI. You can choose your personal loan amount as per your convenience.
    • With SBI, you have the option of taking a 2nd Xpress loan if you have taken the 1st loan and repaid it completely on time. This Xpress loan is provided 1 year after you have obtained the 1st loan. You need to note that you will not be able to take any other personal loan after you procure these 2 loans from SBI.
    • You will be able to monitor the status of your SBI personal loan application properly at different stages.

    SBI has a personal loan scheme for government employees exclusively known as the Xpress Credit Personal Loan. It is a loan facility offered by SBI to employees working in Central and State Government, State PSUs, Quasi Government, Central PSUs, educational institutions of national reputation, and certain corporates that do not have any business relationship with the bank and that do not have any ECR (Emigration Check Required); depending on terms and conditions.

    Benefits of SBI Personal Loan for Government Employees

    • It offers low-interest rates and the interest is charged on a daily reducing balance.
    • You will not be asked to provide any security or collateral for this loan scheme.
    • You will not have to pay any administrative charge or hidden cost for this product offered by SBI.
    • The documentation process for this personal loan scheme is very quick and simple.
    • You can apply for this product online by visiting the official website of SBI or by checking out the BankBazaar website.

    Features of SBI Personal Loan for Government Employees

    Minimum term loan amount Rs.25,000
    Minimum overdraft amount Rs.5 lakh
    Maximum term loan amount 24 times NMI with a maximum of Rs.15 lakh
    Maximum overdraft amount 24 times NMI with a maximum of Rs.15 lakh
    Minimum NMI Rs.5,000
    EMI or NMI ratio It should not be higher than 50%
    Repayment period 60 months or residual service period, whichever is lesser
    Penalty interest 2% p.a.
    Prepayment charge 3% of prepaid amount
    Processing fee 0.5% of the loan amount + service tax that will be applied
    • In the table given above, NMI refers to net monthly income.
    • For the overdraft facility from SBI Xpress Credit Personal Loan, there will be a decrease in the DP (drawing power) as the DP should become 0 in a period of 60 months.
    • School teachers will need to note that the highest loan quantum for them is capped at 12 months gross salary. This is applicable for both term loan and overdraft facility.
    • You will not have to pay any prepayment fee or foreclosure fee if you close your account with the funds of a new loan account that you would have opened under the same loan facility.

    SBI offers an exclusive personal loan for pensioners who used to work in the Central or State government or the Defense forces. You can go for this loan product from SBI if your age is not more than 75 years. This loan will get processed very smoothly in a quick mode. You will need to visit the SBI bank branch to apply for this loan scheme. You will not be paying any hidden cost for this loan product.

    SBI Personal Loan for Central and State Government Pensioners

    • Your age should be 76 years or lesser.
    • If an individual’s pension is offered by government treasuries through cheque which is drawn in any SBI bank branch according to the pensioner’s mandate, then this pensioner is also eligible for this loan product provided by SBI. In this case, the actual Pension Payment Order (PPO) will be retained with the custody of Treasury. The pensioner will give an instruction to the Treasury to make the pension payment via a certain bank branch.
    • Under this loan facility, the pensioner will need to provide a certain undertaking that cannot be withdrawn which states that he or she will not make any modifications to the instruction regarding the payment of pension to the particular bank branch.

    Further, the treasury will respond to this undertaking by writing that it will not take any appeal from the pensioner to shift the payment of pension from the present bank (mentioned in the undertaking) to any other branch or any other bank until the present bank provides a No Objection Certificate (NOC).

    • Under this scheme, a guarantee will be given to the spouse or a certain third party. In this facility, the spouse of the pensioner is entitled to receive the family pension.

    SBI Personal Loan for Defence Pensioners

    If you are a pensioner who used to work in the armed forces, you can apply for this personal loan offered by SBI. Whether you worked with the Navy, Army, Air Force, Coast Guards, Assam Rifles, Paramilitary Forces (CISF, ITBP, CRPF, BSF, etc.), Rashtriya Rifles, you can obtain this loan scheme provided your Pension Payment Order is with SBI.

    This loan scheme provided by SBI does not have any minimum age limit. Your age will need to be 76 years or lesser when you apply for this loan option.

    SBI Personal Loan for Family Pensioners (including defence family pensioners)

    A family pensioner is the spouse of a pensioner who can obtain the pension amount from the government or defence forces when the pensioner passes away. This is allowed if the family pensioner’s age is not higher than 76 years.

    Features of loan for pensioners offered by SBI

    Minimum loan amount Rs.25,000
    Maximum loan amount Pension amount of 18 months with a ceiling of:
    Age
    72 years Rs.14 lakh
    Greater than 72 years but not more than 74 years Rs.12 lakh
    Greater than 74 years but not more than 76 years Rs.7.5 lakh

    Defence pensioners

    Minimum loan amount Rs.25,000
    Maximum loan amount Pension amount of 36 months with a ceiling of Rs.14 lakh for pensioners whose age is up to 56 years.
    Pension amount of 18 months with a ceiling of:
    Age
    Greater than 56 years but 72 years Rs.14 lakh
    Greater than 72 years but not more than 74 years Rs.12 lakh
    Greater than 74 years but not more than 76 years Rs.7.5 lakh

    The EMI or NMP should not be higher than 50% for every kind of pensioner.

    Family pensioners (including defence pensioners)

    Minimum loan amount Rs.25,000
    Maximum loan amount Pension amount of 18 months with a ceiling of:
    Age
    72 years Rs.5 lakh
    Greater than 72 years but not more than 74 years Rs.4.50 lakh
    Greater than 74 years but not more than 76 years Rs.2.50 lakh

    The EMI or NMP should not be higher than 33% for every family pensioner.

    In the tables given above, EMI = Equated Monthly Instalments

    NMP = Net Monthly Pension

    Repayment period and age details regarding SBI personal loan for pensioners

    For central and state government pensioners

    Age at when the personal loan is approved Repayment period Age at when the loan is completely repaid
    Up to 72 years of age 60 months 77 years
    Higher than 72 years but not more than 74 years 48 months 78 years
    Higher than 74 years but not more than 76 years 24 months 78 years

    For defence pensioners

    Age at when the personal loan is approved Repayment period Age at when the loan is completely repaid
    Up to 56 years of age 84 months 63 years
    Higher than 56 years but not more than 72 years 60 months 77 years
    Higher than 72 years but not more than 74 years 48 months 78 years
    Higher than 74 years but not more than 76 years 24 months 78 years

    Repayment period and age details regarding SBI personal loan for family pensioners

    Age at when the personal loan is approved Repayment period Age at when the loan is completely repaid
    Up to 72 years of age 60 months 77 years
    Higher than 72 years but not more than 74 years 48 months 78 years
    Higher than 74 years but not more than 76 years 24 months 78 years

    Key characteristics regarding personal loans offered by SBI for pensioners

    • You can repay your SBI personal loan for pensioners by giving a Standing Instruction from your pension account for clearing your EMIs.
    • The margin for this personal loan scheme is NIL.
    • If you are a State or Central Government pensioner (even family pensioners), you will need to pay a processing fee. It will be 0.25% of your personal loan amount along with the service tax that is applicable.
    • If you are a defence pensioner, you will not be asked to pay any processing fee.
    • If you prepay your SBI personal loan EMIs completely or in portions before your loan period gets over, you will be required to pay 3% on your prepaid amount as your prepayment fee.
    • If you terminate your personal loan account with the funds from a new loan account, you will not be asked to pay any foreclosure or prepayment charge.
    • A guarantee is given to the spouse of the pensioner where the spouse can obtain the family pension amount. This loan scheme does not offer any insurance policy.

    SBI enables Non-Resident Indians (NRIs) to apply for a personal loan with the help of internet banking or any other mode. You can choose a regular loan against your NRI deposit or an online overdraft (OD) against your NRI deposit.

    SBI loan against your NRI deposit

    • You can go for this loan scheme from SBI for meeting any of your needs such as buying a house or meeting your immediate financial needs. The bank will not be repatriating your loan amount abroad.
    • This SBI loan will be handed over solely to the depositor.
    • You can procure this loan in foreign currency or Indian Rupee by pledging a security of your NRE or FCNR or NRO deposit.
    • You can choose a demand loan, an overdraft, or a foreign currency loan.
    • The loan period for this loan is up to the outstanding maturity period.
    • The margin for this loan scheme is 10% which includes accrued interest as well principal.

    SBI online overdraft (OD) against your NRI deposit

    For SBI online OD, you will not have to come down to India to complete the application process in India. You can utilise the bank’s internet banking platform to apply for the loan facility.

    Eligibility criteria Any customer with an NRE or NRO fixed deposit
    Minimum residual period 6 months
    Permissible limit
    TDR or eTDR 75% of the face value of the deposit
    STDR or eSTDR 90% of the face value of the deposit
    Minimum loan amount Rs.25,000
    Maximum loan amount Rs.5 crore
    Cut-off time Online application for overdraft facility will be open from 8 a.m. to 8 p.m. IST
    Interest rate 1% above the interest payable on the fixed deposit
    Loan tenure for TDR or eTDR 3 years or the outstanding maturity period of fixed deposit, whichever is lower.
    Loan tenure for STDR or eSTDR 5 years or the outstanding maturity period of fixed deposit, whichever is lower.
    • In the above-mentioned table, the NRE or NRO fixed deposit in the eligibility criteria includes Special term deposit (STDR) or eSTDR or Term Deposit Receipt (TDR) or eTDR in a single name holder only.
    • In the above-mentioned table, the permissible limit section refers to the overdraft limit against deposits. You will not be able to make any modifications to the overdraft limit.
    • This loan scheme is not given to joint holders of deposits.
    • The loan will be provided to you with the help of internet banking. If you want to withdraw or shift the fund, you can do it via cheque or online banking.
    • If you want to close the SBI NRI overdraft account, you will have to visit any of the branches in India. This overdraft account closure cannot be done online as of now.

    1. SBI Xpress Credit Loan:

    This SBI loan scheme is offered to the employees of well-known organizations such as central and state government, PSUs, quasi-government, etc. These employees will need to have their salary accounts with SBI. These loans are offered at a zero margin.

    Eligibility

    • The loan applicant’s minimum net monthly income (NMI) should be Rs.5,000.
    • The EMI or NMI Ratio should not be above 50%.
    • The applicant should be an employee at either of the following organizations:
    • Central and state Government
    • Central and state PSUs
    • Educational institutions with a national reputation
    • Quasi-government
    • Certain corporates that have an exclusive business relationship with SBI
    • Companies that do not have any business relationship with SBI OR any Emigration Check Required (ECR), according to specific terms and conditions.

    Interest rate

    For employees of unrated corporates

    Facility Type 2-year MCLR Spread over 2-year MCLR Effective interest rate
    Term loan 8.10% 4.55% 12.65%
    Term loan 8.10% 5.05% 13.15%
    Term loan 8.10% 5.40% 13.50%
    Term loan 8.10% 6.65% 14.75%
    Overdraft 8.10% 4.80% 12.90%
    Overdraft 8.10% 5.30% 13.40%
    Overdraft 8.10% 5.65% 13.75%
    Overdraft 8.10% 6.90% 15.00%

    For employees of rated corporates

    Facility Type 2-year MCLR Spread over 2-year MCLR Effective interest rate
    Term loan 8.10% 3.80% 11.90%
    Term loan 8.10% 4.30% 12.40%
    Term loan 8.10% 5.90% 14.00%
    Term loan 8.10% 6.40% 14.50%
    Overdraft 8.10% 4.05% 12.15%
    Overdraft 8.10% 4.55% 12.65%
    Overdraft 8.10% 6.15% 14.25%
    Overdraft 8.10% 6.65% 14.75%

    2. SBI Saral Personal Loan

    This loan is given to an individual for any legitimate reason such as vacations, wedding arrangements, medical expenses, hospitalization, asset purchases, home renovation, educational expenditures, and so on. You can repay the SBI Saral Personal Loan in 48 EMIs.

    Eligibility

    • You will need to be a salaried individual at any company.
    • You can also be a self-employed individual as a doctor, chartered accountant, architect, engineer, or an MBA.
    • The minimum income for an applicant in a metro or urban centre is Rs.24,000.
    • The minimum income in a rural or semi-urban centre is Rs.10,000.
    • The maximum net monthly income for pensioners and salaried employees has a ceiling of Rs.10 lakh in all the above-mentioned centres.

    Interest rate

    For employees of unrated corporates

    Facility Type 2-year MCLR Spread over 2-year MCLR Effective interest rate
    Term loan 8.10% 4.55% 12.65%
    Term loan 8.10% 5.05% 13.15%
    Term loan 8.10% 5.40% 13.50%
    Term loan 8.10% 6.65% 14.75%
    Overdraft 8.10% 4.80% 12.90%
    Overdraft 8.10% 5.30% 13.40%
    Overdraft 8.10% 5.65% 13.75%
    Overdraft 8.10% 6.90% 15.00%

    For employees of rated corporates

    Facility Type 2-year MCLR Spread over 2-year MCLR Effective interest rate
    Term loan 8.10% 3.80% 11.90%
    Term loan 8.10% 4.30% 12.40%
    Term loan 8.10% 5.90% 14.00%
    Term loan 8.10% 6.40% 14.50%
    Overdraft 8.10% 4.05% 12.15%
    Overdraft 8.10% 4.55% 12.65%
    Overdraft 8.10% 6.15% 14.25%
    Overdraft 8.10% 6.65% 14.75%

    3. SBI Pension Loan

    SBI extends personal loans to pensioners as well as family pensioners. Whether you are a central government pensioner, state government pensioner, or a defence pensioner, you can avail this loan’s benefits.

    You will have to pay a very minimal processing fee for this SBI pension loan scheme. If you are a defence pensioner, you will not need to pay any processing fee. This loan is provided without any hidden costs.

    Eligibility

    • You will need to be a central or state government pensioner, defence pensioner or a family pensioner to apply for this loan scheme offered by SBI. A family pensioner is the spouse of a pensioner who is allowed to obtain pension when the pensioner dies.
    • The pensioner, as well as, the family pensioner’s age should not be above 76 years.
    • The pensioner will need to give an undertaking to SBI stating that the Treasury can make the pension payment to a particular bank branch. This certain undertaking cannot be rescinded at any point of time. The treasury will also write a note that it will not agree to take any request from any pensioner to make changes to the pension payment to any other branch or bank.
    • A defence pensioner can be any pensioner of the armed forces. The armed forces include Paramilitary Forces, Army, Rashtriya Rifles, Air Force, Navy, Coast Guards, and Assam Rifles. The pension payment order will need to be with SBI.
    • The EMI (Equated Monthly Instalments) or NMP (Net Monthly Pension) should not be above 50% for every pensioner. For family pensioners, the EMI or NMP should not be above 33%.

    Interest rate

    Scheme 2-year MCLR Spread over 2-year MCLR Effective interest rate
    SBI Pension Loan 8.10% 4.35% 12.45%
    Jai Jawan Pension Loan 8.10% 4.35% 12.45%
    Pension Loan to Coal Mines Provident Fund (CMPF) Pensioners 8.10% 4.35% 12.45%

    4. SBI Festival Loan

    SBI gives a lot of significance to the various festivals that are celebrated in India. You can enjoy any festival to the fullest by taking the Festival Loan offered by SBI. It is a loan product that is given exclusively to meet all expenses associated with a festival. You can use these funds to purchase gifts for your loved ones to celebrate the festive season. You can also use this loan scheme to buy sweets, savouries, clothes, decorations, and other festive arrangements to make sure that you have a memorable gathering with your friends and family.

    This loan is offered at low-interest rates with a low-processing fee. Moreover, you will not have to pay any administrative fee or hidden charge. This loan is offered with minimal documentation work. What’s more, you do not have to pay any prepayment penalty for this loan product!

    Eligibility

    • Any person working in the government or a PSU or a private limited company or a public company or an institution. You will need at least 2 years of experience in this organization.
    • A self-employed individual with at least 3 years of experience.
    • A person with a net monthly income of Rs.3,000 or higher.
    • A person with a steady income from channels such as interest from TDRs, government securities, and National Savings Certificates (NSCs).

    For employees of unrated corporates

    Loan facility Type 2-year MCLR Spread over 2-year MCLR Effective interest rate
    Term loan 8.10% 4.55% 12.65%
    Term loan 8.10% 5.05% 13.15%
    Term loan 8.10% 5.40% 13.50%
    Term loan 8.10% 6.65% 14.75%
    Overdraft 8.10% 4.80% 12.90%
    Overdraft 8.10% 5.30% 13.40%
    Overdraft 8.10% 5.65% 13.75%
    Overdraft 8.10% 6.90% 15.00%

    For employees of rated corporates

    Loan facility type 2-year MCLR Spread over 2-year MCLR Effective interest rate
    Term loan 8.10% 3.80% 11.90%
    Term loan 8.10% 4.30% 12.40%
    Term loan 8.10% 5.90% 14.00%
    Term loan 8.10% 6.40% 14.50%
    Overdraft 8.10% 4.05% 12.15%
    Overdraft 8.10% 4.55% 12.65%
    Overdraft 8.10% 6.15% 14.25%
    Overdraft 8.10% 6.65% 14.75%

    5. SBI Career Loan

    SBI helps young individuals build their career competently by providing them with extensive financial support. You do not have to worry about monetary hardships when you are focused on achieving something. Even if you do not have sufficient financial sources to fund your academic course or certification programme, you do not have to give up on your dream goal.

    The SBI Career Loan is exclusively designed to help women who aspire to be air hostesses. With this loan, you can pay your fees for air hostess training courses. It is a personal loan which will require you to provide the bank with a collateral. You will need to secure your personal loan with public sector bonds, mortgage of immovable property, RBI relief bonds, NSCs, government securities, RBI relief bonds, Kisan Vikas Patra (KVP), LIC policies, public sector bonds, bank’s TDR, etc.

    The loan will need to be repaid through EMIs in 36 months. The maximum moratorium is 1 year after the air hostess training course is completed.

    Eligibility

    • You should be interested in enrolling yourself for an air hostess training course.
    • You should be at least 18 years old.
    • The co-borrower’s age should not be higher than 60.
    • The co-borrower can be the applicant’s spouse, parent or guardian.

    Interest rate

    Type of security or collateral Interest rate
    Bank TDR or STDR 1% above the rate of interest that needs to be paid on the deposits
    Land or building 4.5% above MCLR for 1 year, presently 13.65% p.a.
    Government securities, NSCs, public sector bonds, RBI Relief Bonds, KVPs, and LIC policy 4.25% above MCLR for 1 year, presently 13.40% p.a.

    Processing Fees for Various SBI Personal Loan Products

    Product Processing Fee
    Xpress Credit 1% of the Loan Amount
    SBI Saral 2% - 3% of the Loan Amount
    SBI Career Loan 0.50% of the Loan Amount
    Loan for ESOPs Rs 2000 per application
    Equity Plus Rs 2000 per application
    Festival Loan 1% of the Loan amount
    SBI Pension Loan 0.50% of the Loan amount (Minimum Rs.250)
    Others like Jai Jawan Pension Loans, Bhagya Rekha Loan, Education Plus Nil

    For any service-related issue, a customer can get in touch with SBI:

    • Calling Customer Help Line Numbers
    • Contact Customer Grievance Cell at our Local Head Offices
    • Write to Grievance Cell at our Local Head Offices

    (Details on Helpline Numbers and Grievance Cell available on www.sbi.co.in)

    In case a customer is not satisfied with the handling of grievance by the Local Head Office, a communication may be sent (enclosing the message sent earlier to Local Head Office) to the -

    Deputy General Manager (Customer Service), Customer Service Dept., State Bank of India; State Bank Bhawan, 4th floor; Madame Cama Road, Mumbai-400 021,

    Telephone No. (022) 22029456, 22029451 22740432, 22740431, 22740433 Fax no. (022) 22742431 E-mail address - dgm.customer(at)sbi(dot)co(dot)in

    1. What are the different types of SBI personal loans offered to employees of corporates?

    The 2 main types of personal loans offered to employees of corporates are Xpress Credit to employees of rated corporates and Xpress Credit to employees of unrated corporates.

    2. Under the SBI Xpress Credit personal loan options, is there any loan option that comes with a reset period?

    Xpress Elite is the only personal loan option under the SBI Xpress Credit personal loan options that comes with a reset period of 1 year. All the other options under the SBI Xpress Credit do not have a reset period.

    3. What is the time period for disbursal of SBI personal loans?

    SBI personal loans get disposed in metro centres within 30 days. In semi-urban and rural centres when the loan is sourced by BC (Business Correspondent), BF (Business Facilitator), and branch, it takes 3 days. In the same location, when the loan is sourced by MRT or RMO, it takes 2 days.

    4. What is the maximum loan quantum for SBI Career Loan?

    For SBI Career Loan, the maximum loan amount is Rs.3 lakh.

    5. If I take a personal loan from SBI, when will my liability to the bank come to an end?

    Once the entire outstanding loan amount becomes zero, your liability for your SBI personal loan will be removed.

    6. What will I have to pay as the processing fee for SBI Saral personal loans?

    For SBI Saral personal loans, your processing fee will range from 2.02% to 3.03% of your loan amount. This fee will be subtracted from your loan amount the loan is disbursed to you.

    7. What are the options to repay my SBI Personal loan?

    You can repay your SBI Personal Loan via EMIs through the ECS facility or through Standing Instruction.

    8. As a loan applicant, can I use income from different sources while applying for a personal loan from SBI?

    Yes, you can combine your income and your spouse’s income to meet the income criteria successfully while applying for a personal loan from SBI.

    9. Can I prepay my SBI Personal Loan and will I need to pay any additional charge on the prepayment of this loan?

    Yes, you can prepay your SBI Personal Loan. The bank charges prepayment penalty for certain personal loan schemes. You can find out more about this charge when you apply for the loan.

    10. What are the personal loan products offered by SBI?

    The 4 main types of SBI personal loan products include: SBI Saral Personal Loan, SBI Festival Loans, SBI Xpress Credit Personal Loan, and SBI Loans to pensioners.

    11. What is the minimum loan amount for SBI loan for central and state government pensioners?

    The minimum loan amount for SBI loan for central and state government pensioners is Rs.25,000.

    12. What is the interest rate for SBI Personal Loan Against Bank’s Time Deposits (Domestic)?

    The interest rate for this loan scheme is 1% on the interest rate that has to be given on the relative time deposits. In this case, the time deposit is given as security or collateral.

    13. How can a personal loan borrower get in touch with SBI if he or she has any queries?

    A personal loan borrower can reach out to SBI for support by making use of any of the customer care number or email addresses. The customer can also write an email to the grievance cell of SBI or visit any SBI branch for assistance.

    14. Could you tell me the general loan tenure for SBI personal loans?

    All SBI personal loans are typically provided for a period of 48 months.

    15. Can you tell me the interest rate for loans against SBI floating rate term deposits?

    The interest rate for this loan scheme is 1.50% on the interest rate that is paid on your SBI floating rate term deposit.


    Personal Loan charges you should know about

    Keep an eye out for the below additional charges associated with Personal Loans before you opt for one. If you already know about them, you can check out our offers straightaway.

    If You Want It, Pay For It

    Processing fees are generally 1-2% of the loan amount or a flat fee. Most financial institutions ask for a processing fee for their Personal Loan.

    Early Bird Fees

    Want to pay back some of your loan early? Be prepared to pay a prepayment penalty. In fact, some banks don’t allow prepayment for a fixed period.

    Latecomer Fees

    Uh-oh, late with your payment? Not paying on time can attract a late-payment fee.

    Don’t Want To Pay Extra?

    If you’re worried about these charges, don’t be. Have a conversation with your bank. Some banks have lower charges and some may remove the charge entirely. 

    Always compare loans across different banks and pick one that gives you the best deal. Try us!

    The Finance Mega Mela is on from 1st Feb - 28thFeb, 2017! Get Amazon vouchers* worth up to Rs. 1,000 on bank approval/ disbursal for Personal Loan

    News About SBI Personal Loan

    • SBI removes processing fee on personal loans until the month of December

      State Bank of India (SBI), a prominent bank in India, recently announced that it will be waiving off up to 100% processing fee on personal loans. The bank intends to implement this plan before the festive season begins. The bank used to impose 0.35% of the personal loan amount along with service tax as processing fee. The bank used to charge a minimum processing fee of Rs.2,000 along with service tax. The maximum processing fee amount used to be Rs.10,000 along with the service tax. This waiver on processing fee on personal loans, car loans, gold loans, and retail loans is in addition to the prevailing waiver on processing fee on home loan takeovers.

      23rd August 2017

    • SBI to Be Merged With Its Associates within This Financial Year

      In a bank conference held by the Confederation of Indian Industry (CII) in Kolkata, Rajnish Kumar, Managing Director of National Banking Group stated that State Bank of India will be merged with its associates within this fiscal year. He further stated that consolidating the balance sheet of SBI and its associate is not very difficult as both use the same IT portal to save financial data. However, implementing common HR policies and practices may take time and attention. He added that SBI has made two mergers before and they are aware of the merging process.

      20th September 2016

    • The Cabinet has approved the merger of SBI associates

      The Cabinet has given the in-principle approval to State Bank of India to merge five of its associate banks. This has been announced one month after the SBI boards clearance was got. SBI would be merging Bharatiya Mahila Bank and five more associate banks soon. After the merger, State Bank of Indias network would increase drastically. After the merger, SBI would feature in the worlds top 50 banks, carrying an asset value of $550 billion. The five associate banks that would be merged are State Bank of Mysore (SBM), State Bank of Bikaner and Jaipur (SBB&J), State Bank of Patiala, State Bank of Travancore (SBT) and State Bank of Hyderabad (SBH).

      17th June 2016

    • SBI named Domestic Systemically Important Bank (D-SIB)

      The RBI named SBI and ICICI Bank D-SIBs i.e. Domestic Systemically Important Banks. By virtue of this entitlement, both banks will fall under a more rigid risk framework that aims to prevent major fallouts in either banks operations. These banks have been so classified considering their impact on the countrys banking system as a whole.

      Given the magnitude and complexity of their business in terms of reach, customer bases, products and services offered, market shares and a number of other salient factors, the central bank ascertained SBI and ICICI Bank as integral to the countrys banking domain. As market leaders, any fallouts on the part of these banks is estimated to have a meaningful and material impact on other players in the industry.

      State-owned SBI is the countrys largest and leading lender with a loan book comprising of retail loans ranging from home loans, personal loans, car loans, business and corporate loans among others. ICICI Bank, the countrys largest private sector bank, also boasts a large loan-customer base with similar offerings.

      3rd September 2015

    • SBI actively handles customer queries on social media

      Government owned State Bank of India is most active on social media and address the customer complaints and queries as per the report released by Simplify 360. The report analysed 9 banks which collected all the mentions of all the 9 banks on Twitter and Facebook.

      SBI replied to 41 per cent of the queries. SBI has a little over 2 lakh followers on Twitter and is most active with 3 posts per day on Facebook.

      The report took into consideration the social media interaction from June 13 to June 28. The 9 banks included were SBI, HDFC Bank, Yes Bank, ICICI Bank, Kotak Mahindra Bank, Axis Bank, Citibank, IDBI Bank and Standard Chartered Bank.

      15th July 2015

    • A Possible Merger: State Bank of India (SBI) and Bharatiya Mahila Bank (BMB)

      Bharatiya Mahila Bank (BMB), a UPA-led initiative taken in the year 2013, might undergo a possible merger with State Bank of India (SBI). Reportedly, a proposal is being considered and discussions are in progress but a concrete decision is yet to be taken.

      While SBI itself hasnt confirmed on anything official, talks are already on in the Finance Ministry. About 20 months old, BMB is a relatively small bank with 62 branches, Rs. 1000 crore capital, a speculated loan book of Rs. 200 crore and zero non-performing assets. Taking this into account, consideration of a merger with SBI isnt actually rocket science. Adding on to the news, reports are in about BMBs Chairman and MD Usha Ananthasubramanian attending interviews conducted for selection of managing directors and chief executives of public sector banks.

      As of July, 2014, suggestions for consolidation of state-run banks were to be welcomed by Finance Minister Arun Jaitley. But even with all these facts, only presumptions can be made till something conclusive trickles down from the Finance Ministry.

      2nd July 2015

    • SBI ropes in advisor to improve its stagnant SME Business

      The countrys biggest bank SBI has realised that its SME business has been stagnating for the past 3 years and accounted only for 13.56% of the banks loan portfolio. To correct the situation it has decided to take the help of advisors to help it do so. Their decisions also includes the decision to reduce their balance sheet finance portfolio.


      The banks representatives claimed that they intended to take advantage of the improvement in the economy and use that to drive their SME business. They are also seeing favourable signs in the e-commerce sector since it has seen good growth and lots of new players recently. They are also planning to target offline industries like franchises from the beauty health and food industries.

      26th June 2015

    • Baa3 Rating for SBI by Moodis

      State Bank of India has managed to hold on to its Baa3 rating for local and foreign currency deposits, indicating a positive outlook for the bank. Moodys the global rating agency retained the Baa3 rating in spite of certain doubts cast over the banks performance. The present ratings are a reflection of the moderate macro profile in India and the standalone financial profile of the bank. The deteriorating asset quality of the bank due to corporate exposure have not dented its image in the eyes of Moodys.


      State Bank of India also retained the Baa3 rating for its senior unsecured medium-term note programme and for the senior unsecured debt issued through its branch in London. Moodys changed the Baseline Credit Assessment of State Bank of India to Ba1.


      The Counter-Party Risk Assessment of SBI and its branches was also rated Baa3 / P-3 by Moodys. SBI also received a very high probability of support in the unforeseen event of financial distress, stemming from the fact that the bank is extremely important in the domestic circuit and also partly because the government owns a 59.2% stake in the bank.

      24th June 2015

    • SBI launches online loan application platform

      State Bank of India, the countrys apex bank has launched an online platform for filing of loan applications. Customers can now know their eligibility and get personalized loan quotes by applying online for all kinds of loans like home, car, education and personal loans.


      This move has been made for easing the application process for customers and also for reducing the loan processing time taken by the bank. Customers can upload relevant documents online, after which their loan will get an instant e-approval. Once this step is achieved, bank officials will get in touch with customers for completion of loan formalities.


      SBI will soon launch a similar application on the mobile platform too.

      2nd June 2015

    • SBI enhances digital presence with new tie-ups

      In a bid to enhance their online presence, SBI has signed an MOU with e-tailer Amazon. The tie-up is aimed at creating viable payment solutions. This move is expected to add value to both small and medium businesses as well as retail customers.


      Additionally, SBI will try to promote business of SMEs by providing loans to expand their business. If possible, SBI might channels its products through Amazon, further bridging the gap between its growing online customer base and its online offerings.


      In keeping with its overall strategy to strengthen its products and services technologically, the bank launched its contactless cards viz. its debit cards and the SBI Signature credit card.

      27th May 2015

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  • SBI Personal Loan Reviews

    • SBI Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I am a customer of State Bank of India, so they have approved my personal loan within 3days of time. The required loan amount has been disbursed by State Bank. The rate of interest is nominal with SBI . I am happy with the SBI personal loan services.
      Was this review helpful? 0
      , imphal
      Reviewed on Sep 20, 2017
    • SBI Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The experience was good with SBI while taking my personal loan as they disbursed the loan within 1 week after submitting the documents. Interest rate offered was 11.9% . I visited the bank directly and completed the process . And it is for 5 years tenured i have taken this 2 years before.
      Was this review helpful? 0
      , madurai
      Reviewed on Sep 19, 2017
    • SBI Personal Loan
      "Best bank for rates"
      0.5 5.0/5 "Blown Away!"
      SBI is the best bank for the rates. However customer service is not good when it comes to SBI. The bank has offered an amount of 2.5 lakhs also the processing fee charged by them was very good. Even foreclosure and part payment options were good at SBI. Its an ongoing loan also foreclosure charges were very minimal it was amounting to rs 1200 to rs 1300.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2017
    • SBI Personal Loan
      "Good account to use"
      0.5 4.0/5 "Great!"
      I am using the salaried account with State bank of India for more than 3years. The customer service is good with SBI. I don't use SBI net banking or their mobile application. The rate of interest and the processing fee is very low in SBI loan concerns.
      Was this review helpful? 0
      , guntur
      Reviewed on Sep 18, 2017
    • SBI Personal Loan
      "Very high rate"
      0.5 4.0/5 "Great!"
      SBI rate of interest is relatively high when it comes to personal loan. Rate of interest charged was 14.25% on the other side processing fee charged by them was nil also there was no hidden cost. To top it off, SBI is transparent almost we can find everything in paper nothing hidden. I would like to rate them 4.5 , my only suggestion for them would be they should provide a good interest for the personal loan.
      Was this review helpful? 0
      , pathankot
      Reviewed on Sep 15, 2017
    • SBI Personal Loan
      "Very good service"
      0.5 4.5/5 "Excellent!"
      In 4 days of time the state bank of India has disbursed my personal loan. The customer service was good with State bank. The Sbi executives came to my place to collect the documents on assigned date and time. The rate of interest was 12% which was very good with SBI.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2017
    • SBI Personal Loan
      "Good offer in the market"
      0.5 5.0/5 "Blown Away!"
      SBI offered me top up loan when I was applied for home loan, I have submitted separate documents for home loan and personal loan. Finally SBI done the personal loan balance transfer from Bajaj Finserv, SBI gave me 8.7% of interest it is lowest.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 13, 2017
    • SBI Personal Loan
      "Quick Process"
      0.5 5.0/5 "Blown Away!"
      I have the personal loan with State bank of India and I had taken this loan about eighteen months ago. At that time the interest rate was around 14.5% per annual. SBI processed the loan within just five hours. As I have my salary account with SBI, also my organization is tied up with for more than thirty years, I got such a fast service from them.
      Was this review helpful? 0
      , dindigul
      Reviewed on Sep 06, 2017
    • SBI Personal Loan
      "Excellent Customer Service"
      0.5 3.0/5 "Satisfactory"
      About a year ago, I approached State bank of India and got the personal loan. Since it had been a year, I could not remember the interest rate but of course the customer service was excellent. But SBI took enough number of days to process the loan. They had not disbursed the amount on time.
      Was this review helpful? 0
      , mancherial
      Reviewed on Sep 05, 2017
    • SBI Personal Loan
      "Customer satisfactory"
      0.5 5.0/5 "Blown Away!"
      I approached SBI personal loan through online channel, then SBI gave me hassle free service. They have processed my loan within seven days of time. I took the personal loan of 2.5 lakhs, still my loan is live. SBI gave me the interest rate of 11.4% for the tenure of five years. I am glad about SBI service is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 01, 2017
    • SBI Personal Loan
      "Customer Friendly"
      0.5 5.0/5 "Blown Away!"
      My SBI branch located in my office, hence they only have limited customer. Therefore they are taking care of customers in a good way and also response is great. SBI disbursed the amount within 3 to 4 days from their end but rate of interest was higher side at that time.
      Was this review helpful? 0
      , delhi
      Reviewed on Sep 01, 2017
    • SBI Personal Loan
      "High on ROI"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from State bank of India and the process was good in getting the loan through. The interest rate was higher that the private banks, it was around 15% and the processing charges was average. The after loan services is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 31, 2017
    • SBI Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      About few years ago I had taken the personal loan from State bank of India. That was my first and last loan at SBI because after that the bank stopped giving the loans to the particular employers. The personal loan process went good and no challenges.
      Was this review helpful? 0
      , mysore
      Reviewed on Aug 30, 2017
    • SBI Personal Loan
      "Moderate Service"
      0.5 4.0/5 "Great!"
      When it comes to loan services, I am not at all happy with State bank of India. Because they are not considering their long time customers when they are approving the loan. They could have reviewed my payment history and everything but they had rejected my personal loan application, even though I am a customer of SBI for twenty years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 30, 2017
    • SBI Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I only use the online services of SBI. I have never spoken with any customer service executives of sbi till now i have never got any chance to talk with them, but the online application of SBI is really good it is really fine and it is an user friendly application which makes my transactions easy also I dont have any issue with the services offered by SBI till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • SBI Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The State bank of India has offered me personal loan with the interest rate of 9%. They have disbursed the loan within 4 days of time. The customer service was very good with Sbi and they gave good response from SBI,. I got the best interest in the market,. The additional charges also very low when compared with others.
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • SBI Personal Loan
      "Not Fair service"
      0.5 4.0/5 "Great!"
      SBI have sanctioned my personal loan within one week because I am holding salary account with the same bank. At the time they gave 11% of interest. They also taken 0.5% of processing fee, I paid full amount then my loan got closed, But SBI have lot of paper works for the loan process.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 19, 2017
    • SBI Personal Loan
      "Can be better when it comes to process"
      0.5 5.0/5 "Blown Away!"
      SBI is doing good when it comes to personal loan however I am unhappy with their process as it is very lengthy , as I had to visit the branch for anything and everything which is very tedious. Another challange would be, they were in need of guranetor or surety from my company which I felt uncomfortable as I was new to the company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 18, 2017
    • SBI Personal Loan
      "Looking for better service"
      0.5 1.0/5 "Really Bad"
      SBI response was not good, when I approached them for the personal loan, they didn't give proper response to me. Finally they completed the process in three days. I have submitted lot of documents for loan process after loan got approved, everything became smooth. SBI is good in interest rate and other charges are lower side.
      Was this review helpful? 0
      , machilipatnam
      Reviewed on Aug 12, 2017
    • SBI Personal Loan
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      My personal loan is with State Bank of India and the process to get the loan was easy. The customer services was nice and the documentation was simple. The rate of interest was of 12% with a nominal processing charge. The loan disbursed was also to my satisfaction.
      Was this review helpful? 0
      , agartala
      Reviewed on Aug 12, 2017
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