सार्वजनिक क्षेत्र का बैंक (PSU Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Instant (disbursed in under 2 minutes).सत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसबीआई प्री-अप्रूव्ड पर्सनल लोन

100% paperless, 4-click instant loan via YONO SBI for pre-selected account holders up to ₹8 Lakhs.

ऋण राशि सीमा₹25,000 to ₹8,00,000 (pre-computed by algorithm)

ब्याज दर (APR)11.15% - 13.75% p.a. (pre-approved pricing)

पुनर्भुगतान अवधि6 to 48 months

प्रोसेसिंग शुल्कNIL to ₹1,000 + GST (promotional festive waivers apply)

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

उत्पाद का संक्षिप्त विवरण

SBI PAPL is a 100% digital, paperless credit product offered to pre-selected SBI savings and salary account customers through an algorithmic credit evaluation of banking transaction history and bureau performance.

प्रमुख लाभ एवं विशेषताएं

• 4-click instant disbursement into SBI savings account within 2 minutes • Absolutely zero physical paperwork or branch visit required • Available 24x7x365 including bank holidays on YONO SBI • Transparent processing fee pre-displayed before final authorization.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Pre-selected SBI account holders with minimum 6 months satisfactory banking history, consistent monthly credits, and clean CIBIL score (720+).

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

3% prepayment penalty if pre-closed before contracted tenure.

📂आवश्यक दस्तावेज (Required Documents)

• Zero physical documents required (KYC and income are digitally validated based on existing bank records).

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

• Dynamic Invitation-Only: You cannot apply for PAPL if your account is not pre-selected by SBI's credit underwriting engine. • Eligibility expires if credit bureau changes or balance triggers occur before acceptance. • Lower upper limit (capped at ₹8 Lakhs) compared to branch-sanctioned Xpress Credit.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. SMS 'PAPL <Last 4 digits of Account Number>' to 567676 to verify offer. 2. Open YONO App > Tap on 'Pre-Approved Loan' banner. 3. Adjust loan amount slider and select repayment tenure. 4. Enter OTP received on registered mobile number. 5. Loan credited instantly into your account.

2. नए ग्राहक (ऑनलाइन):

Not applicable for fresh non-SBI customers. Fresh customers must apply via SBI Quick Personal Loan.

3. बैंक शाखा में जाकर:

Not applicable — PAPL is strictly a digital end-to-end STP (Straight Through Processing) journey.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

How do I check if I have a pre-approved personal loan offer in SBI?

Send an SMS with text 'PAPL <space> <last 4 digits of account number>' to 567676 from your registered mobile number, or log in to the SBI YONO app and check the loans dashboard.

Do I need to visit an SBI branch to submit documents for PAPL?

No. The entire process is 100% paperless and completed digitally on YONO without any branch visit.

What if my pre-approved offer disappears?

PAPL offers are dynamic and updated monthly based on your account balance, transaction velocity, and latest credit bureau score.