State Bank Of India दे रहा है आधार कार्ड पर ₹50000 से ₹100000 तक का लोन, ऐसे करें अप्लाई | SBI Personal Loan

State Bank of India Personal Loan – Complete Guide

State Bank of India (SBI) offers personal loans ranging from ₹25,000 to ₹20,00,000 with an attractive interest rate of 11.15% per annum. These loans are designed to meet urgent financial needs such as medical emergencies, home repairs, weddings, or any other personal expenses. The application can be completed online or offline, and the approval process is relatively fast compared to other banks.

Key Features

• Loan amount: ₹25,000 – ₹20,00,000
• Interest rate: 11.15% per annum
• Eligibility: Salaried professionals or self‑employed individuals
• Age limit: 21 years to 58 years
• Minimum monthly income: ₹15,000

Eligibility Criteria

Required Documents

• Aadhaar Card
• PAN Card
• Income Proof (salary slips or IT returns)
• KYC documents
• 6 months salary slips
• 6 months bank statements

How to Apply Online (Website)

1. Visit the official SBI website.
2. Select the “Loan” section and choose “Personal Loan”.
3. Fill in the application form with accurate details.
4. Upload the 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 documents for verification.
7. After verification, the sanctioned amount will be transferred to your bank account within a few days.

How to Apply via SBI YONO App

1. Download and install the “SBI YONO” app from Google Play Store.
2. Register and log in to the app.
3. Navigate to the “Loan” section and select “Personal Loan”.
4. Click “Express Credit Loan” → “Apply Now”.
5. Enter the required details and upload documents.
6. Verify OTP sent to your registered mobile number.
7. Receive a reference number and sanction letter on screen.
8. Visit the nearest SBI branch with the documents for final submission.
9. Loan approval is usually completed within 4 days.

Official Links

• State Bank of India – Official Website
• SBI YONO App

Why Choose SBI Personal Loan?

• Competitive interest rate of 11.15% p.a.
• Wide loan amount range suitable for various needs.
• Quick approval and disbursal.
• Availability of both online and offline application modes.

Frequently Asked Questions

• What is the minimum loan amount? ₹25,000.
• What is the maximum loan amount? ₹20,00,000.
• Can a self‑employed person apply? Yes, provided the income criteria are met.
• How long does the approval process take? Typically 2–4 days after document verification.
• Is there any processing fee? The notification does not mention a fee; refer to the official website for details.
• What is the repayment tenure? Not specified in the notification; check the official SBI portal.
• Can I track my loan application? Yes, through the SBI website or YONO app using the reference number.
• Do I need to visit a branch after online submission? Yes, to submit original documents and complete verification.

Conclusion

State Bank of India’s personal loan offers a flexible solution for individuals seeking quick financial assistance with a low interest rate of 11.15% per annum. With clear eligibility criteria, a straightforward document checklist, and the convenience of applying online or via the YONO app, SBI makes the borrowing process accessible and efficient. Ensure you meet the age and income requirements, gather the necessary documents, and follow the step‑by‑step application process to secure the funds you need.

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