KreditBeeVSState Bank of India
KreditBee vs State Bank of India Personal Loan
Detailed side-by-side comparison — rates, eligibility, pros & cons. Find which is better for your profile.
Interest Rate
17–29.95%
11.05–14.56% ✓
Min CIBIL
No minimum ✓
650+
Max Amount
₹5,00,000
₹20,00,000 ✓
Min Salary
₹10,000 ✓
₹15,000
Disbursal
10 minutes
3-5 working days
Processing Fee
Up to 6%
1% of loan amount
Prepayment
Nil
Nil after 12 EMIs
Type
FINTECH
BANK
KreditBee wins on 2 features, State Bank of India wins on 2. But the best lender for you depends on your salary and CIBIL — not just the specs.
KreditBee
✅No CIBIL score required
✅Disbursal in 10 minutes
✅Good for first-time borrowers
❌Very high interest rates
❌Short maximum tenure
State Bank of India
✅Lowest rates for govt employees
✅Accepts 650+ CIBIL
✅Long tenure up to 72 months
❌Slower disbursal (3-5 days)
❌Limited to salaried/govt employees
Frequently Asked Questions
Which is better — KreditBee or State Bank of India for personal loan?
It depends on your profile. KreditBee offers rates from 17% (needs CIBIL 0+), while State Bank of India starts at 11.05% (needs CIBIL 650+). GoCredit’s AI Loan Agent compares both and 50+ other lenders to find the best rate for your exact profile.
KreditBee vs State Bank of India — which has a lower interest rate?
State Bank of India has the lower starting rate at 11.05%. However, your actual rate depends on CIBIL score and salary. Check your personalised rate on GoCredit.
What is the minimum CIBIL score for KreditBee and State Bank of India?
KreditBee requires no minimum, State Bank of India requires 650+. If your score doesn’t meet either threshold, GoCredit’s AI matches you with lenders that accept your current profile.
Should I apply to KreditBee or State Bank of India?
Instead of choosing one, use GoCredit’s AI Loan Agent to apply to both simultaneously along with 50+ other lenders. You get the best offer without multiple applications and hard enquiries.
Why Compare Just 2?
GoCredit's AI Loan Agent compares 55+ lenders simultaneously and finds the absolute best rate for your exact profile — salary, CIBIL, and loan amount. One click, all offers.
Compare All 55+ Lenders — Free →🎯
Check Your Loan Eligibility
Instant result — no signup, no CIBIL impact