🏦State Bank of India (SBI) Personal Loan
Interest rate: 10.05% - 15.05% p.a. • Max amount: ₹35 Lakh • Tenure: 6-72 months
Starting Rate
10.05%
Max Amount
₹35 Lakh
Processing Fee
1.50% + GST
Tenure
6-72 months
Key Features of State Bank of India (SBI) Personal Loan
- ✓Pre-approved offers for salaried SBI account holders
- ✓Instant disbursal via YONO app
- ✓No collateral required
- ✓Balance transfer facility at lower rates
- ✓Special rates for government employees
👍 Pros
✅ India's largest public sector bank — high trust
✅ Competitive rates for government employees
✅ No hidden charges
✅ Longest tenure option (72 months)
👎 Cons
❌ Higher minimum rate than Axis/Kotak
❌ Slow processing for non-account holders
❌ Higher documentation requirement
Compare with Other Banks
| Bank | Rate (p.a.) | Max Amount | Action |
|---|---|---|---|
| SBI ★ | 10.05% - 15.05% | ₹35 Lakh | Viewing |
| HDFC Bank | 9.99% - 24.00% | ₹40 Lakh | View |
| ICICI Bank | 9.99% - 16.50% | ₹50 Lakh | View |
| Axis Bank | 9.50% - 21.55% | ₹40 Lakh | View |
| Kotak Mahindra Bank | 9.98% - 17.99% | ₹40 Lakh | View |
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