SBI Personal Loan 2025 offers affordable interest rates, flexible tenures, and instant approval through online and branch channels. Explore how to apply, calculate EMI, and check eligibility to get the best deal from India’s most trusted bank.
If you’re planning to take a personal loan in 2025, the SBI Personal Loan 2025 could be your most reliable option due to its competitive interest rates, simple documentation, and quick disbursal. From wedding expenses and home renovations to travel or medical needs—State Bank of India offers customized personal loan products to meet every need.
In this complete guide, we will explore everything about SBI Personal Loan 2025, including updated interest rates, EMI calculation examples, eligibility criteria, types of personal loans offered, required documents, fraud safety tips, online application steps, comparison with other banks, and more.
Overview – SBI Personal Loan 2025
| Feature / Details | Information |
| Bank Name | State Bank of India (Public Sector) |
| Loan Type | Personal Loan (Xpress Credit/Pension) |
| Interest Rate | Starting from 10.45% p.a. |
| Loan Amount | ₹25,000 to ₹20 Lakhs |
| Max Tenure | Up to 72 Months (6 Years) |
| Processing Fee | 1.5% (+ GST) |
| Ideal CIBIL Score | 750+ (For Best Rates) |
| Approval Time | Instant (Via YONO App) |
| Official Website | sbi.co.in |
Note: All terms are subject to change as per SBI’s latest circulars. Always check sbi.co.in for updated policies.
SBI Personal Loan 2025 Interest Rate – Updated Slabs
SBI offers personal loan interest rates based on your profession, credit score (CIBIL), income level, and relationship with the bank.
For Salaried Individuals (Term Loan)
| CIBIL Score | Interest Rate |
|---|---|
| 750 & above | 10.45% – 11.00% |
| 700–749 | 11.15% – 12.50% |
| Below 700 | Not Eligible |
SBI Xpress Credit Loan (for Salaried with SBI Salary A/C)
| Employer Type | Interest Rate |
|---|---|
| Category A (Govt/PSU) | 10.45% – 11.25% |
| Category B (Private) | 11.00% – 12.00% |
SBI Pension Loan (Central/Defense/Railways)
| Pensioner Type | Interest Rate |
|---|---|
| Defense/Family Pension | 10.75% – 11.50% |
| Central Government | 11.00% – 12.00% |
| State Government | 11.50% – 13.00% |
Tip: The lowest interest is offered to salaried account holders with a high credit score and a stable job profile.
SBI Personal Loan 2025 EMI Calculator – Real Examples
To help you understand repayments better, here’s an EMI table based on sample loans using SBI’s average interest rate of 11% p.a.
Example: ₹5 Lakh Loan for 5 Years
Interest Rate: 11%
EMI: ₹10,871
Total Repayment: ₹6,52,260
Total Interest: ₹1,52,260
Example: ₹10 Lakh Loan for 3 Years
EMI: ₹32,740
Total Repayment: ₹11,78,640
Interest Paid: ₹1,78,640
Use SBI’s official EMI Calculator to try your own figures: SBI EMI Calculator
Types of SBI Personal Loan 2025
SBI offers different personal loan variants based on your profession and relationship with the bank:
Xpress Credit
For salaried employees with salary account in SBI
Fast approval, minimal documentation
Max loan: ₹20 lakhs
Xpress Lite
Pre-approved loans via YONO
No documents, instant disbursal
Pension Loan
For retired central/state govt, defense, and family pensioners
EMI adjusted from pension account
Pre-Approved Personal Loan (PAPL)
Based on your credit score and internal SBI risk assessment
Available via SMS or YONO app
Quick Personal Loan (via Branch)
For walk-in customers not holding SBI salary accounts
Manual documentation required
Eligibility Criteria for SBI Personal Loan 2025
To be eligible for SBI’s personal loans, you need to fulfill the following conditions:
For Salaried Employees
Indian citizen, aged 21–58
Monthly income: ₹15,000+
Minimum 1-year job experience
Must maintain salary account with SBI (for Xpress Credit)
For Pensioners
Age: up to 76 years
Drawing pension via SBI branch
Pension account must be >6 months old
For Self-Employed
IT returns of last 2 years
Bank statement for last 6 months
Good CIBIL (750+)
Documents Required for SBI Personal Loan
You’ll need the following documents to apply:
| Document Type | Accepted Proofs |
|---|---|
| Identity Proof | Aadhaar, PAN, Voter ID, Passport |
| Address Proof | Aadhaar, Utility Bill, Rent Agreement |
| Income Proof | Salary Slips, ITR, Form 16 |
| Bank Statement | Last 6 months (if not SBI account holder) |
| Others | Passport-sized photograph, loan application form |
How to Apply Online for SBI Personal Loan in 2025
SBI offers a fully online and paperless process via its YONO app or website.
Option 1: Via SBI YONO App
Log into YONO using your credentials.
Go to “Loans” > “Pre-Approved Personal Loan”.
Check eligibility.
Accept terms and confirm OTP.
Amount gets credited instantly.
Option 2: Through SBI Website
Visit sbi.co.in
Navigate to Personal Loans under Loan Products.
Click on Apply Now.
Fill personal details, upload KYC and submit.
Await call or message from SBI.
SBI Personal Loan Processing Time
Pre-approved: 5–10 minutes
Salary Account Holders: 24 hours
Others via branch: 2–5 working days
Quick disbursal is one of SBI’s major strengths in 2025, especially via digital modes.
SBI Personal Loan Fees and Charges
| Type of Charge | Amount/Details |
|---|---|
| Processing Fees | 1.5% of loan amount + GST |
| Prepayment Charges | NIL (if paid after 6 EMIs) |
| Penal Interest | 2% p.m. on overdue EMI |
| Document Charges | ₹500–₹1000 (varies by branch) |
| EMI Bounce Fee | ₹500 + GST |
SBI Personal Loan vs. Other Banks in 2025 – Quick Comparison
| Bank | Interest Rate | Max Tenure | Prepayment Fee | Loan Amount |
|---|---|---|---|---|
| SBI | 10.45%–12.5% | 6 years | Nil (after 6 EMIs) | Up to ₹20 Lakhs |
| HDFC Bank | 10.75%–15.5% | 5 years | 2–4% | Up to ₹40 Lakhs |
| Axis Bank | 10.99%–17% | 5 years | 2% | Up to ₹25 Lakhs |
| ICICI Bank | 10.50%–16.5% | 6 years | 3% | Up to ₹20 Lakhs |
Verdict: SBI leads in lower processing fee, government employee perks, and EMI flexibility.
SBI Personal Loan Fraud Alerts & Safety Tips
SBI will NEVER ask for:
OTP or CVV on call/SMS
UPI collect requests for loan approval
Processing fees before sanction
Always verify:
Loan links come from
sbi.co.inor YONO app onlyEmail IDs end in
@sbi.co.inDon’t share Aadhaar or PAN via WhatsApp
For fraud reporting, call 1930 or visit: cybercrime.gov.in
SBI Personal Loan Customer Care 2025
Toll-Free: 1800 1234 / 1800 2100
Email: contactcentre@sbi.co.in
YONO Help: Available 24×7 inside app
Visit: Nearest SBI branch
For faster service, use the SBI YONO chatbot or in-app support.
Important Links For SBI Personal Loan 2025
| SBI Bank officials website | click here |
| home page | click here |
| Join WhatsApp group | join here |
Authoritative External Links
FAQs – SBI Personal Loan 2025
Q1. What is the interest rate for SBI Personal Loan in 2025?
SBI personal loan interest rates in 2025 start at 10.45% and can go up to 12.50%, depending on credit score and applicant type.
Q2. How much loan can I get from SBI?
You can get anywhere from ₹25,000 to ₹20 lakhs, depending on your income, credit score, and loan type (e.g., Xpress Credit, Pension Loan).
Q3. Is SBI offering instant personal loans?
Yes, via YONO, SBI offers pre-approved personal loans that are disbursed instantly for eligible customers.
Q4. What documents are needed for SBI Personal Loan?
You need ID proof, address proof, income proof, bank statements (if applicable), and a photo.
Q5. How long does SBI take to disburse the loan?
Disbursal is instant for pre-approved YONO loans. Otherwise, 1–3 working days is the norm.
Q6. Can I get an SBI personal loan without a salary account?
Yes, but it may take longer to process, and you may get slightly higher interest rates.
Q7. What is the minimum salary for SBI personal loan?
Generally ₹15,000/month. Government employees with SBI salary accounts are often pre-approved.
Q8. How can I check my eligibility online?
Use the SBI YONO app or go to the SBI website’s personal loan section and use the eligibility calculator.
Q9. Are SBI personal loans better than HDFC or ICICI?
For government employees and pensioners, SBI offers lower interest rates and better terms. Private employees may compare offers using eligibility tools.
Q10. Is there a processing fee for SBI Personal Loan?
Yes, 1.5% of the loan amount + GST. However, discounts may apply during festive offers.
Conclusion
The SBI Personal Loan 2025 is one of the most trustworthy, flexible, and affordable personal loan options available for Indian borrowers. With transparent terms, a strong digital process, and wide eligibility, it’s particularly beneficial for government employees, pensioners, and salaried SBI account holders. By following the tips and eligibility insights shared here, you can make an informed loan decision and avoid scams or delays.