सार्वजनिक क्षेत्र का बैंक (PSU Bank)रक्षा कर्मी (सशस्त्र बल)स्वीकृति गति: Within 24 hours of document submission.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसबीआई रक्षा पेंशन लोन

Exclusive loan for Indian Armed Forces and Paramilitary pensioners with zero processing fees and zero prepayment charges.

ऋण राशि सीमा₹25,000 to ₹14,00,000 (higher age eligibility up to 78 years)

ब्याज दर (APR)10.95% - 12.25% p.a. (concessional defence rate tied to EBLR)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कNIL (100% processing fee waiver for armed forces & paramilitary pensioners)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

A specialized sub-variant of SBI Pension Loan for ex-servicemen, veterans, and armed forces pensioners (Army, Navy, Air Force, Coast Guard, Assam Rifles, and Paramilitary Forces like BSF, CRPF, CISF, ITBP, SSB) drawing monthly pension via SBI CPPC.

प्रमुख लाभ एवं विशेषताएं

• Zero processing fees permanently enabled for defence veterans • Zero prepayment penalties for partial or full pre-closure • Extended repayment age limit up to 78 years at loan termination • Lower base interest rate spread compared to civilian pension loans • Handled via priority facilitation at SBI Defence Banking branches.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Ex-servicemen and defence pensioners of Indian Armed Forces and Paramilitary wings. Age at loan completion: Max 78 years. Min CIBIL: 650.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty across all repayment intervals.

📂आवश्यक दस्तावेज (Required Documents)

• Service Verification: Discharge Certificate, Service Book copy • Pension Documents: SPARSH PPO / Original PPO Booklet • Identity: PAN, Aadhaar, Veteran CSD Smart Card • Mandate: Letter of Authority to CPPC.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Defence Pension Mandate: Must be disbursed via SPARSH or SBI CPPC directly into the veteran's SBI Defence Salary/Pension Package account. • Spouse or legal heir co-obligation mandatory. • Net pension after EMI cannot be lower than 40% of gross pension.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open SBI YONO App and navigate to Loans > Defence Pension Loan. 2. SPARSH PPO and Service Number are auto-fetched. 3. Confirm pre-calculated EMI and loan tenure. 4. Complete e-sign via Aadhaar OTP. 5. Loan disbursed instantly to SBI Defence Pension account.

2. नए ग्राहक (ऑनलाइन):

1. Visit SBI Defence Banking web portal. 2. Submit service number, discharge book number, and PPO details. 3. Nearest SBI Defence branch contacts veteran for doorstep documentation.

3. बैंक शाखा में जाकर:

1. Visit the nearest SBI Defence Banking branch or home branch. 2. Submit Service Book copy, PPO copy, and Discharge Certificate. 3. Co-obligation undertaking executed by spouse/heir. 4. Disbursed within 24 hours.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Is there any processing fee for Defence Pension Loan?

No. State Bank of India completely waives processing fees and documentation charges for defence and paramilitary pensioners.

What is the maximum age limit for Defence pensioners?

Defence pensioners can avail loan up to an age where the loan tenure concludes on or before reaching 78 years.

Can paramilitary forces like CRPF or BSF pensioners apply under this scheme?

Yes. Pensioners of Central Armed Police Forces (BSF, CRPF, CISF, ITBP, SSB, NSG) and Assam Rifles are eligible under defence terms.