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State Bank Of India Se Loan Kaise le

State Bank Of India Se Loan Kaise le: SBI offers various loan schemes under personal loan such as Express Credit Loan, SBI Pension Loan and Express Power, and provides loan facilities for all sections of the society. The SBI Personal Loan Eligibility Criteria for SBI Personal Loan has been decided according to the type of loan. In this article, we will discuss the eligibility conditions of all SBI personal loan schemes.

State Bank Of India Se Loan Kaise le  - SBI Personal Loan Eligibility Conditions

Following are the SBI Personal Loan Eligibility Criteria for different types of applicants:

For Employed:

  • You must have a salary account with SBI
  • You must be an employee of Central / State / Semi-Govt.

  • Must be an employee of Central Public Sector and State PSUS


  • National Educational Institute


Selected corporate companies, whether or not associated with the bank

  • Your minimum monthly income is Rs 15,000. should be
  • Your EMI / NMI (Equated Monthly Income / Net Monthly Income) ratio should be less than 50%
State Bank Of India Se Loan Kaise le

Eligibility Criteria for SBI Personal Loan Type

Note: State Bank of India is not a partner of Paisabazaar, the offers will be on behalf of partner banks/NBFCs only.

The following are the eligibility criteria for personal loan by State Bank of India (SBI):

1. SBI Express Credit Personal Loan

  • You must have a salary account with SBI
  • Your minimum monthly salary is Rs.50,000. should be
  • You must be an employee of Central / State / Semi-Govt., Central Public Sector and State PSUS, National Educational Institutions, Selected Corporate Companies
  • Your EMI/NMI ratio should be up to 50%

2. SBI Personal Loan for Pensioners

Personal loans offered by SBI to pensioners have pre-defined terms depending on the type of employer. The eligibility conditions for pension loan are as follows:

For Central and State Government pensioners

  • The age of the pensioner should be less than 76 years.
  • The pension account should be with SBI and should remain with SBI during the loan repayment tenure.
  • The applicant has to give a written consent that the pension account of the pensioner will not be transferred to any other bank during the loan tenure.

For Defense Pensioner:

  • He should be a pensioner of armed forces including Navy, Army and Air Force, Coast Guard, Paramilitary Forces (CRPF, CISF, BSF, ITBP, etc.), Rashtriya Rifles and Assam Rifles.

Pension account should be in SBI.

  • His maximum age should be less than 76 years at the time of loan processing.
  • For Family Pensioner:

Family pensioner includes the members authorized to receive pension after the death of the pensioner.

The maximum age of the family pensioner should be 76 years

3. Pre-approved Personal Loan for Employers and Pensioners on YONO

YONO offers SBI pre-approved personal loan to both salaried and pensioner through mobile app. The main conditions of this loan offer are to have a salary or pension account with SBI.

4. Pre-approved Personal Loan on YONO to Non-employed (PAPL)

SBI YONO app provides pre-approved personal loans to self-employed individuals and self-employed professionals. The following eligibility conditions are included for these SBI personal loans:

  • You should have a savings account with SBI with regular deposits
  • Your monthly balance must exceed a certain limit

How to improve your eligibility for SBI Personal Loan?

  • Maintain a good credit score: Credit scores reflect your payment record. Hence, the higher the credit score, the higher the chances of being eligible for a personal loan. Your credit score should be at least 750 or above, if it is not, then take the time and rectify it and then apply for a personal loan.
  • Pay your credit card bills and loan EMIs on time: When you pay your loan EMIs and credit card bills on time, it shows that you lead a disciplined financial life. This increases your chances of getting a loan in future.
  • Pay off your existing loan: If you are paying off a loan or your credit card bill is pending, it is advisable to complete or eliminate such payments before applying for a personal loan. Take it This increases your debt to income ratio and thus increases your eligibility for the loan.
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Related Questions (FAQs)

Question. On what factors does the eligibility of SBI personal loan applicants depend?

Answer: Eligibility of SBI personal loan applicants depends on their age, credit score, repayment history, job profile, monthly income, employer/company profile etc.

Question. What is the minimum salary to avail SBI personal loan?

Answer: The minimum salary for availing SBI personal loan is Rs 15,000. Should be

Question. Why is it important to determine the eligibility of the applicant while applying for a personal loan?

Answer: The eligibility of the personal loan applicant depends on his age, income, credit score, work experience, job stability.

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