SBI Personal Loan — 11.05% Interest, ₹20 Lakh, Xpress Credit

State Bank of India offers personal loans at 10% to 15% per annum. Your actual rate depends on your CIBIL score, salary, and loan amount. To find out your exact eligible rate from State Bank of India and compare it with other lenders, check your pre-approved offers on GoCredit — it takes 60 seconds and doesn't affect your CIBIL.

State Bank of India typically requires a CIBIL score of 650+. If your score is lower, GoCredit's AI Loan Agent can match you with other lenders that accept your current profile — no need to apply and get rejected. Check your eligibility across all lenders on GoCredit first.

The fastest way to apply is through GoCredit's AI Loan Agent. It checks your eligibility for State Bank of India along with 100+ other lenders, shows you pre-approved offers, and auto-applies to the best matches — all in under 2 minutes. You get the best rate without filling multiple forms.

State Bank of India typically disburses in 3-5 working days after approval. Applying through GoCredit can speed this up — the AI pre-fills your information and sends a complete application, reducing back-and-forth with the lender.

State Bank of India starts at 10%, but your actual rate depends on your profile. Another lender might offer a lower rate for your specific salary and CIBIL combination. GoCredit's AI Loan Agent compares State Bank of India with 100+ lenders to find the absolute cheapest option for you — often saving ₹2,000-15,000 per year in interest.

State Bank of India accepts: salaried, government, pensioners. Age: 21-60 years. Minimum income: ₹25,000/month. Use GoCredit to instantly check if you qualify for State Bank of India and discover other lenders that match your profile.