How to get State Bank of India Personal Loan?

SBI Personal Loan: SBI Bank provides the facility of Instant Personal Loan to the customers at an attractive interest rate. If you need money urgently then you can apply for SBI Personal Loan. In this article, we will provide you complete information about this loan, so read this article till the end.

SBI Personal Loan in Hindi

A loan taken for your personal expenses is a personal loan. Personal loan has both advantages and disadvantages. You for marriage, vacation, unplanned emergency or planned shopping, house repair etc. SBI Personal Loan can take Personal loan comes under the category of an unsecured loan.

That’s why the bank gives you this loan on the basis of your CIBIL score. The higher your CIBIL score, the lesser your loan will be approved. You do not have to give any guarantee of any kind to take a State Bank of India personal loan.

you both online and offline SBI Personal Loan can apply for Women can avail interest rate waiver on Women Personal Loan (SBI). If you fulfill all the conditions of this loan then you can get the cheapest personal loan with attractive personal loan interest rate of the bank.

You can take a personal loan from SBI up to a maximum of Rs 20 lakh and you also get enough time to repay this loan. Very little processing charge is charged from you on this loan by State Bank of India.

HIGHLIGHTS:

loan name	SBI Personal Loan
Bank	State Bank of India
loan amount	Maximum Rs 20 lakh
SBI Personal Loan Interest Rate	Starting from 10.30% p.a.
Application age limit	21 to 60 years
Minimum income to apply	15000 per month
loan repayment period	6 months to 6 years

SBI Personal Loan Interest Rate 2022

Currently SBI Personal Loan Interest Rate is 10.30% p.a. starts with. If you are an existing SBI customer and have a salary account, then you will get a discount of 25 BPS i.e. 0.25% p.a. on the current interest rate. Before applying for any personal loan, it is important for you to know about its interest rate properly so that you do not face any kind of trouble while repayment of the loan.

If your CIBIL score is very good and your income is very good then you can get more loan amount at lower interest rate. You can find out the cheapest loan by comparing between various personal loan interest rates.

Features of SBI Personal Loan

• You can take a personal loan of up to Rs 20 lakh from State Bank of India to meet your personal needs.
• You can take SBI personal loan for vacation, wedding, emergency or planned purchases or for your personal needs.
• Compared to other banks State Bank Of India Personal Loan interest rate is very low.
• SBI offers many types of SBI loan scheme for categories like self-employed, pensioners, salaried etc.
• SBI Personal Loan Gives you 6 months to 6 years to repay the loan, in which you can easily repay this loan.
• You do not have to do much paperwork for SBI personal loan, which makes the application process easier.
• If you are a Salary Person and your Salary Account is in this bank, then you get a personal loan in a very short time.
• Any person between 21 years to 60 years who fulfills the eligibility of SBI personal loan can apply for this loan.
• You cannot add the income of the spouse in the loan application, although the spouse can apply for the loan himself.
• You can pay off the loan before the loan tenure is over.
• Personal loan is available at fixed interest rate only.
• Before you apply for loan SBI Personal Loan Calculator Tax should be done so that you can get an idea of ​​how much installment you will have to pay at the time of loan repayment.
• If you want to take a loan from State Bank of India then you can apply for this personal loan.

Purpose of taking SBI Personal Loan

Many times it happens that we are in dire need of money immediately and due to lack of money we have to spread our hands in front of others. In view of this problem, banks give personal loans. Since SBI is a government bank and everyone has trust in it, then whenever we think of taking a personal loan, the first thing that comes to our mind is SBI Bank.

Personal Loan Processing Fees

loan scheme name	processing fee
Clean Overdraft	Zero
SBI Pension Loan	1% of loan amount + GST Minimum Rs 1000 Maximum Rs 10000
Jai Jawan Pension Loan	Zero
Xpress Credit	1.50% of loan amount Minimum Rs 1000 Maximum Rs 15000

SBI Personal Loan Eligibility in Hindi

• Your minimum age should be 18 years.
• The credit score of the applicant should be very good.
• You can also contact the bank for more details.

SBI Personal Loan Documents Required

• Aadhar card
• Identity Card (Passport / Driving License / PAN Card / Voter ID Card)
• Address Proof (Aadhaar Card / Bank Account Details / Ration Card / Driving License / Passport / Electricity Bill, Telephone Bill, Agreement to Buy or Sell Property)
• Income Certificate (ITR/Bank Account Statement/Salary Slip)
• You can contact the bank for more details.

How to Apply for SBI Personal Loan?

Follow the steps given below to apply online or offline:

How to Apply SBI Personal Loan Online?

• On the home page of the website, you will see the option of Personal Loan, click on it.
• After clicking, the list of personal loans will open in front of you.
• Click on the loan you are applying for.
• After clicking, the application form will open in front of you, which will appear to you in this way.

• You have to enter all the information asked in this form correctly, upload your documents and submit the form.
• In this way your application will be done.

How to Apply Offline for SBI Personal Loan?

• First of all you have to go to your nearest bank branch of SBI Bank.
• Take the form of the loan for which you want to apply.
• Enter the information asked in the form correctly.
• Attach your documents and submit the form there.

How to Check SBI Personal Loan Application Status?

• First of all SBI official website Come on
• By clicking on this link a new page will open in front of you.
• on this page you Application Tracker An option will appear, click on it.
• After clicking, a form will open in front of you.

• You can track your application by entering the requested information in this form.

SBI Personal Loan Verification Process

• First of all you have to apply for loan online.
• A verification call will be made to you by the bank staff to schedule the pick-up of documents for processing your application.
• You will have to give all types of documents such as KYC, income certificate to the bank, after that your documents will be verified.
• After verification, another call is made to you by the bank.
• The bank verifies the terms of your loan. If you agree to those conditions, then the bank transfers the loan to your account.

How to Apply Personal Loan in SBI through YONO App?

• first you Google Play Store From SBI YONO App Must download
• After that you have to register on that app.
• After registering, the dashboard of SBI YONO App will open in front of you.
• You will see three lines in the top left side, click on it.
• After that an option of loan will come in front of you, you have to click on it.
• After that you will see the option of Personal Loan, click on it.
• After clicking, the form will open in front of you.
• Enter the requested information in it, upload your documents and submit the form.
• In this way friends, you can apply for personal loan through SBI YONO App.

How to close SBI personal loan?

If you have taken a personal loan from SBI but you want to close it, here’s how you can do it:

• First of all, you have to pay the last installment of the loan and you will have to contact the loan closure bank.
• Collect all your required documents as the bank official will verify all the details before closing the loan.
• After verifying all the information, a non-objection certificate (NOC) is provided by the bank, in which it is written that all the information of the person has been verified and the person taking the loan has paid the entire loan amount and some is also not due.
• This is how you can close your personal loan.
• If you still face any kind of problem then you can contact SBI Personal Loan customer care.

SBI Personal Loan Pre-closure

If you repay the loan amount before the end of the loan tenure, then that process is called pre-closure. Some banks are such that they charge a fee on pre-closure but you will be happy to know that SBI Bank does not charge any fee on pre-closure. You can close your loan anytime to reduce your debt burden.

SBI Personal Loan Customer Care Number

• Customer care number: 1800-425-3800 and 1800-11-2211
• Give a missed call to 7208933142 or SMS “PERSONAL” to 7208933145 to get call back from SBI Contact Center
• E mail ID : [email protected]

Conclusion

In this article, friends, I told you SBI Personal Loan in Hindi Tried to give information about I hope you liked this article. If you found this article informative then please share it with your friends.

Before applying for the loan, you have to visit the official website of the bank with the help of EMI calculator. State Bank of India Personal Loan EMI Calculator So that you can know how much EMI you will have to pay at the time of loan repayment.

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