सार्वजनिक क्षेत्र का बैंक (PSU Bank)रक्षा कर्मी (सशस्त्र बल)स्वीकृति गति: Within 4 to 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसबीआई रक्षा वेतन पैकेज पर्सनल लोन

Subsidized interest rate personal loan for serving Indian Armed Forces personnel under Defence Salary Package.

ऋण राशि सीमा₹25,000 to ₹20,00,000 (up to 24x Net Monthly Salary)

ब्याज दर (APR)10.95% - 12.50% p.a. (lowest SBI unsecured slab)

पुनर्भुगतान अवधि6 to 72 months

प्रोसेसिंग शुल्कNIL to 50% concession on standard processing fee

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

उत्पाद का संक्षिप्त विवरण

Exclusive credit facility reserved for serving armed personnel of the Indian Army, Indian Navy, Indian Air Force, Indian Coast Guard, and Assam Rifles who receive their active service pay through an SBI Defence Salary Package (DSP) account.

प्रमुख लाभ एवं विशेषताएं

• Concessional interest rate margin for Indian Armed Forces personnel • Zero guarantor required; sanction based purely on defence salary package grade • Complementary personal accident insurance integration on active DSP accounts • Quick sanction through dedicated defence banking cells across cantonments.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Active serving Commissioned Officers, JCOs, and Other Ranks (ORs) holding active DSP accounts. Min Age: 21, Max Age: Prior to scheduled superannuation.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty if prepaid from own funds after 6 months.

📂आवश्यक दस्तावेज (Required Documents)

• Defence Identity Card copy • Last 3 months military pay slips (PAO / CDA slip) • Unit Authority Letter / DDO mandate • PAN and Aadhaar.

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

• Defence Mandate: Strictly restricted to active serving personnel holding DSP status. • EMI deduction strictly via unit payroll / DDO salary mandate. • Not applicable if service vintage is below 1 year or retirement is due within 12 months.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open YONO SBI > Loans > DSP Personal Loan. 2. Military credentials and DSP account are pre-recognized. 3. Choose amount and authenticate with military registered mobile OTP. 4. Sanction letter generated instantly.

2. नए ग्राहक (ऑनलाइन):

1. Visit sbi.co.in/dsp-banking. 2. Submit CDA / Unit details and Army/Navy/Air Force number. 3. Digital in-principle approval communicated via SMS.

3. बैंक शाखा में जाकर:

1. Visit cantonment SBI branch or regimental centre branch. 2. Submit DSP application form and Service Identity Card copy. 3. CO / Unit Adjutant counter-signature on salary deduction mandate. 4. Disbursed same day.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can JCOs and ORs apply for ₹20 Lakhs under DSP personal loan?

The loan quantum depends on the net monthly pay and rank multiplier (up to 24x net salary). Commissioned officers qualify up to ₹20L, while JCOs/ORs qualify based on their specific pay grade.

Are Agniveers eligible for SBI DSP Personal Loan?

Agniveers holding Agniveer Salary Package (ASP) accounts have separate tailored loan limits proportionate to their 4-year tenure, subject to unit clearance.

Is there any collateral required for DSP loan?

No. DSP personal loans are completely unsecured with no mortgage or third-party guarantor required.