State Bank Of India दे रहा है आधार कार्ड पर ₹25000 से ₹200000 तक का लोन, ऐसे करें अप्लाई | SBI Personal Loan

SBI Personal Loan: Eligibility, Documents, Interest Rate & Application Guide

The State Bank of India (SBI) offers personal loans ranging from ₹25,000 to ₹20,00,000 with an interest rate of 11.15% per annum. This loan caters to various personal needs such as medical emergencies, home repairs, weddings, and other urgent expenses. Below is a comprehensive guide covering eligibility, required documents, and the application process through the official website and the SBI YONO mobile app.

Eligibility Criteria

Required Documents

• Aadhaar Card
• PAN Card
• Income Proof (salary slips or business income)
• KYC Documents
• Last 6 months’ salary slips
• Last 6 months’ bank statements

Loan Details

How to Apply Online (Official SBI Website)

1. Visit the official SBI website.
2. Navigate to the “Loan” section and select “Personal Loan”.
3. Fill in the online application form with accurate personal and financial details.
4. Upload scanned copies of the required documents.
5. Submit the form to receive a reference number.
6. Visit the nearest SBI branch with the reference number and original documents for verification.
7. After verification (typically 2‑3 days), the sanctioned amount will be transferred to your bank account.

How to Apply via SBI YONO Mobile App

1. Download and install the SBI YONO app from Google Play Store.
2. Register and log in to the app.
3. Tap the three‑line menu, select “Loan”, then choose “Express Credit Loan”.
4. Click “Apply Now” and review the loan features, eligibility, documentation, interest, fees, and EMI calculator.
5. Fill the application form and submit.
6. Enter the OTP received on your registered mobile number to verify.
7. Within a week, you will receive a reference number and sanction letter on the screen.
8. Submit the required documents at the nearest SBI branch. Approval is usually granted within 4 days.

Why Choose SBI for Personal Loans?

• Competitive interest rate of 11.15% p.a.
• Wide loan amount range suitable for diverse needs.
• Fast approval and disbursal through both online and mobile channels.
• Trusted banking institution with extensive branch network.

Official Links

• SBI Official Website
• SBI YONO App (Google Play)

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Frequently Asked Questions

• What is the minimum loan amount? ₹25,000.
• What is the maximum loan amount? ₹20,00,000.
• What is the interest rate? 11.15% per annum.
• Who can apply? Self‑employed or salaried individuals aged 21‑58 years with a minimum monthly income of ₹15,000.
• How long does approval take? Approximately 2‑4 days after document verification at the branch.
• Can I apply completely online? Yes, via the SBI website or YONO app, but branch visit is required for document submission.
• What documents are mandatory? Aadhaar, PAN, income proof, KYC, last 6 months’ salary slips, and bank statements.
• Is there any processing fee? The notification does not mention a processing fee; refer to the official website for details.

Conclusion

SBI’s personal loan offers a flexible borrowing solution with a competitive interest rate, catering to a broad spectrum of personal financial needs. By meeting the straightforward eligibility criteria and preparing the essential documents, applicants can swiftly secure funds through the bank’s online portal or the convenient YONO mobile app. For the latest updates and detailed terms, always refer to the official SBI website.