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State Bank of India (SBI) Personal Loan

State Bank of India Personal Loan rates are competitive in market but not lowest as per popular belief. Before taking any loans compare Personal Loan Rates of all banks and then take a decision.
Enjoy the SBI Advantage :
• Low Personal Loan Interest Rates. Further, charge interest on a daily reducing balance!!
• Minimum processing charges; only 1%-2% of loan amount.
• No hidden costs or administrative charges.
• No security required.... which means minimal documentation…something that you had always wanted.
• No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan (1% of the loan amount will be charged if you repay the loan before 6 months)
• Long repayment period of up to 48 months.

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Salaried (At present, only salaried individuals are covered under the scheme).
Eligibility Criteria
Loan Amount Documents Required
Resident Indian National 2.50 lakhs in Non Metros
5 lakhs in Metros
Upto 10 lakhs where salaried account or current account is with Sbi
It is determined by your repayment capacity.
Minimum Income: Rs.24,000/- in metro and urban centres
Rs.10,000/- in rural/semi-urban centres
Maximum Loan Amount: 12 times Net Monthly Income for salaried individuals and pensioners subject to a ceiling of Rs.10 lacs in all centres
1). Passport size photograph
2). Proof of official address for self employed individuals and professionals. This can include shop and establishment certificate/Lease deed/Telephone Bill
3). Latest Salary clip and Form 16, in the case of salaried persons.

Max Tenor : 48 months
Processing fee : 1%
No prepayment charges
Personal loan amount can be increased by making your spouse as co borrower.

Interest Rates
Personal Loans Scheme (SBI Saral) 16.75% p.a.
SBI Loan to Pensioners 12.25% p.a.
Loans to Employee to Subscribe to ESOPs 14.00% p.a.
State bank of India also provides beneficial services in Home Loan, Car Loan, Credit Card, Educational loans, festival loan and Loan Against Property.

Other Products from SBI
SBI Home Loan
SBI Home Finance
SBI Personal Loan
SBI Card
+91
Credit Card
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State Bank of India-
Head Office:

State Bank of India,
State Bank Bhawna, 8th Floor,
Madame Cama Road,
Mumbai-400021
Telephone No. 22029456 or 22029451, Fax no. 22885369.


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