State Bank of India Personal Loan
India's largest bank — trusted by millions
bank4.1/5 (18,000 reviews)Disbursal: 3-5 working days
Interest Rate
11.05%
to 14.56%
Loan Amount
₹20,00,000
min ₹25,000
Min CIBIL
650
minimum score
Tenure
72
months max
State Bank of India Personal Loan Details
| Interest Rate | 11.05% - 14.56% p.a. |
| Loan Amount | ₹25,000 to ₹20,00,000 |
| Tenure | 6 to 72 months |
| Processing Fee | 1% of loan amount |
| Prepayment | Nil after 12 EMIs |
| Min CIBIL Score | 650+ |
| Min Salary | ₹15,000 |
| Age | 21 to 58 years |
| Employment | salaried, government, pensioners |
| Disbursal Time | 3-5 working days |
Pros
- +Lowest rates for govt employees
- +Accepts 650+ CIBIL
- +Long tenure up to 72 months
- +Nil prepayment charges
- +Available across India — even small towns
Cons
- -Slower disbursal (3-5 days)
- -Limited to salaried/govt employees
- -Manual processing in smaller branches
Best For
Government employees and pensioners
Special Offer
Special Xpress Credit scheme for salary account holders
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