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SC
SBI CardBANKPopular

SBI Xpress Credit Personal Loan

4.3editor

For salaried employees of government, PSU and reputed corporates with salary accounts at SBI.

Interest rate
11.45% – 14.6% p.a.
Loan amount
₹25k – ₹35 L
Tenure
6 – 72 months
Processing fee
Up to 1.5% (min ₹1,000)
Disbursal
1–3 working days
Min. monthly income
₹15,000
Min. credit score
700
Age
21 – 60 years

Highlights

  • Up to ₹35 lakh
  • Lowest rates for government employees
  • Tenure up to 6 years
  • No security needed

Pros

  • Very competitive rates
  • Low processing fee

Cons

  • Requires SBI salary account

Calculate your EMI

Pre-filled with SBI's starting rate of 11.45%.

EMI calculator
₹5 L
₹50k₹50 L
11.45%
8.00%36.00%
3 yr
6 mo7 yr
Monthly EMI
₹16,476
for 36 months
Principal
₹5,00,000
Total interest
₹93,140
Total payable
₹5,93,140
Eligibility
  • • Age 21–60 years
  • • Salaried or Self-employed
  • • Monthly income of ₹15,000 or more
  • • Credit score of 700+
Documents
  • • PAN and Aadhaar
  • • 3 months' salary slips or 2 years' ITR
  • • 3–6 months' bank statements
  • • Selfie for video KYC

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

Starting rate
11.45% p.a.
Up to
₹35 L
Tenure
up to 72 mo
Disbursal
1–3 working days

Free · No impact on credit score until you apply with the lender

Alternatives

Other personal loans to consider

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H
HDFC Bank

HDFC Bank Personal Loan

4.5editor

Pre-approved offers for salaried customers with disbursal in as little as 10 seconds.

Interest
10.9% +
Up to
₹40 L
Tenure
12–60 mo
10 seconds (pre-approved) to 4 daysFee Up to ₹6,500 + GSTLoans up to ₹40 lakh
From
11.45% p.a.
Minimal documentation for salaried
Details
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I
ICICI Bank

ICICI Bank Personal Loan

4.4editor

Instant loans up to ₹50 lakh with fully digital sanction for pre-approved customers.

Interest
10.85% +
Up to
₹50 L
Tenure
12–72 mo
3 seconds (pre-approved) to 72 hoursFee Up to 2% + GSTLoans up to ₹50 lakhTenure up to 6 years
Details
Popular
BF
Bajaj Finserv

Bajaj Finserv Personal Loan

4.3editor

Up to ₹55 lakh with Flexi loan option – pay interest only on what you use.

Interest
10% +
Up to
₹55 L
Tenure
6–96 mo
24 hoursFee Up to 3.93% + GSTFlexi hybrid loan – interest only on withdrawn amountTenure up to 8 years
Details