SBI Personal Loan 2025, Interest Rates, Eligibility, Document, Loan Payment, Loan Status , Disbursement Time, Loan Foreclosure Charges, Customer Care, Apply Online State Bank of India offers personal loans in 2025 at competitive interest rates with flexible repayment options. Loans are available for purposes like medical emergencies, weddings, education, home renovation, or travel. The loan amounts are from ₹50,000 to ₹20 lakhs and tenures are 12 to 60 months. The interest rates for these loans usually begin with around 9.60% per annum and vary based on the applicant’s credit profile, income, and loan amount.
The application process for SBI Personal Loans is simple and can be done both online and offline. Applicants can visit the nearest SBI branch or apply through the bank’s official website or mobile app. SBI also offers the facility of pre-approved loans for existing customers, which makes it easier for them to avail of quick loans. Documentation requirements include proof of identity, address, income, and a credit score check, with minimal processing fees. The loan amount is generally disbursed within a few working days once the application is approved.
SBI Personal Loan Interest Rates 2025
| Category | Interest Rate (Per Annum) |
| Salaried Individuals | 9.60% to 15.00% |
| Self-Employed Individuals | 10.45% to 16.00% |
| Pre-Approved Personal Loans | 9.60% to 12.00% |
| Balance Transfer Loans Starting from | Starting from 9.60% |
SBI Personal Loan Eligibility 2025
Here are the key eligibility criteria for SBI Personal Loan 2025:
| Age | Applicants must be between 21 and 58 years of age at the time of loan maturity. |
| Employment |
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| Income | Minimum monthly income of ₹20,000 is required (varies based on location and profession). |
| Credit Score | A good credit score (typically 750 or above) is crucial for approval and better interest rates. |
| Work Experience: |
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| Nationality | The applicant must be a resident Indian. |
| Bank Relationship | Existing SBI Bank customers with a good track record are eligible for pre-approved loans. |
SBI Personal Loan 2025 Required Document List
Here are the documents needed for an SBI Personal Loan 2025:
- Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
- Address Proof: Aadhaar Card, Passport, Utility Bills, Rent Agreement, or Voter ID.
- Income Proof: Salaried (salary slips, bank statements), Self-employed (IT Returns, Profit & Loss Statement).
- Photograph: Passport-size recent photograph.
- Loan Application Form: Duly filled and signed application form.
- Additional Documents: As required by the bank.
SBI Personal Loan Payment 2025
Here are the loan pay back options for SBI Personal Loan 2025.
- Equated Monthly Installment: Pay monthly through auto debit or cheques.
- Flexible Tenure: Get a tenure in the range of 12-60 months
- Prepayment facility: Prepay partially or completely after 6 months with respective charges.
- Pay Online: Facility to pay on SBI net banking or its mobile app.
- NACH: Facility to directly debit EMI through NACH.
- Late Charges: 2% of due amount per month for delayed pay.
- No-Cost EMI Offers: Available under specific promotional schemes.
SBI Personal Loan Status 2025
You can check the status of your SBI Personal Loan 2025 through the following ways:
- Online Through Website: Log in to your SBI account and visit the loan status section.
- SMS Service: Send an SMS to 567676 with your application details for updates.
- SBI YONO App: Track your loan application status through the SBI YONO App.
- Loan Application Reference Number: Make use of the reference number provided on the loan status page.
- Customer Care: Call 1800 11 2211 and provide details about the loan for updates.
- Branch Visit: Visit the nearest SBI Bank branch with your application details.
- Email Support: Contact ICICI customer care via email for updates.
SBI Personal Loan Disbursement Time 2025
| Category | Disbursement Time |
| Pre-Approved Customers | Within a few hours (same day) |
| Salaried Individuals | 2 to 7 working days after document verification |
| Self-Employed Individuals | 5 to 7 working days after document verification |
| Online Loan Applications | 1 to 3 working days (if documents are verified promptly) |
SBI Personal Loan Foreclosure Charges 2025
Here are the SBI Personal Loan 2025 Loan Foreclosure Charges.
- Foreclosure after 12 EMIs: No charges for foreclosure if you’ve completed 12 EMIs.
- Foreclosure Before 12 EMIs: Charges are 3% of the outstanding loan amount.
- Part Pay Charges: Partial prepayment is allowed with a charge of 2% on the prepaid amount.
- No foreclosure charges on loans under special schemes or offers.
SBI Personal Loan 2025 Customer Care
Here are some customer care contacts for SBI Personal Loan 2025-
- Helpline: Dial 1800 11 2211 for loan services.
- Email Support: Send an email to [email protected]
- Chat Support: Look for the live chat feature found on the website or mobile app.
- Branch Visit: Visit the nearest SBI Bank branch for support.
- SMS Service: Send a message to 567676 for updates and support.
How to SBI Personal Loan 2025 Apply Online?
Here are the steps to apply for SBI Personal Loan 2025 online:
- Visit the Official Website: Go to the SBI Bank official website https://www.sbi.co.in.
- Select Personal Loan Option: Choose “Personal Loan” from the “Loans” section.
- Check Eligibility: Use the online eligibility calculator to see if you qualify.
- Fill the Application Form: Complete the online form with your details.
- Submit Documents: Upload necessary documents like ID, address, and income proof.
- Review and Apply: Check your details again, then submit.
- Check Application Status: Check online for the status of your loan after submission.
Important Links
| SBI Personal Loan 2025 Apply Link | Click Here |
| Official Website | Click Here |
| Homepage | Click Here |