सार्वजनिक क्षेत्र का बैंक (PSU Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: 3 to 5 working days subject to employer & salary verification.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसबीआई क्विक पर्सनल लोन

SBI personal loan for salaried borrowers whose salary account is maintained with other commercial banks.

ऋण राशि सीमा₹24,000 to ₹20,00,000

ब्याज दर (APR)11.65% - 15.00% p.a. (floating EBLR)

पुनर्भुगतान अवधि6 to 72 months

प्रोसेसिंग शुल्क1.50% of loan amount + GST (Min ₹1,000, Max ₹15,000 + GST)

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

उत्पाद का संक्षिप्त विवरण

SBI Quick Personal Loan caters to salaried professionals who do NOT maintain a salary account with SBI but have a verifiable monthly salary credited to another scheduled commercial bank.

प्रमुख लाभ एवं विशेषताएं

• Access SBI's low public-sector interest rates without needing to switch your primary salary account • Loan amount up to ₹20 Lakhs based on salary eligibility • Repayment tenure up to 6 years • Transparent EMI schedule without disguised insurance fees.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried employees of Central/State Govt, PSUs, or rated private corporates with salary account in ANY scheduled bank. Min Age: 21, Max Age: 58. Min NMI: ₹15,000. Min 1 year employment vintage.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

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

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN, Aadhaar, Passport • Employment Proof: Employee ID, appointment letter • Financial Proof: Last 3 months pay slips, latest Form 16 • Bank Statement: Last 6 months bank statement of non-SBI salary account • e-NACH: Cancelled cheque of salary account.

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

• Higher interest rate margin (+0.50% to +0.75%) compared to SBI Xpress Credit. • NACH / e-Mandate setup required on your non-SBI bank account; bounce charges of ₹250+ apply on failed debits. • Requires strict physical employment verification and HR confirmation letter. • Higher CIBIL cutoff (minimum 720) compared to existing SBI customers.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Non-salary SBI account holders can log in to SBI YONO. 2. Provide external bank salary statement via Account Aggregator. 3. Set up e-NACH mandate and complete digital e-sign.

2. नए ग्राहक (ऑनलाइन):

1. Visit sbi.co.in > Quick Personal Loan. 2. Submit online application with PAN, employer details, and salary bank details. 3. Consent to Account Aggregator fetch for last 6 months bank statement. 4. Branch representative coordinates verification and agreement signing.

3. बैंक शाखा में जाकर:

1. Visit any SBI retail branch. 2. Fill Application Form along with Employer Undertaking / NOC. 3. Submit salary slips, Form 16, and bank statements of non-SBI salary account. 4. Execute e-mandate for auto-debit of monthly EMIs.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can I get SBI Quick Personal Loan if my salary is paid in cash?

No. SBI strictly requires salary to be directly credited into a bank account with verifiable digital statements and Form 16.

How are EMIs deducted if my salary account is with another bank?

EMIs are automatically debited each month through a National Automated Clearing House (NACH) e-mandate registered on your non-SBI bank account.

Is collateral required for SBI Quick Personal Loan?

No, it is a fully unsecured loan. No collateral security or third-party guarantee is mandatory if eligibility thresholds are met.