For salaried employees of government, PSU and reputed corporates with salary accounts at SBI.
- Interest
- 11.45% +
- Up to
- ₹35 L
- Tenure
- 6–72 mo
1–3 working daysFee Up to 1.5% (min ₹1,000)Up to ₹35 lakhLowest rates for government employees
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For salaried employees of government, PSU and reputed corporates with salary accounts at SBI.
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.
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Most banks prefer a CIBIL score of 720 or higher for their best rates. Fintech lenders like moneyview and KreditBee accept scores from 650, and some lend to new-to-credit customers at higher rates.
Pre-approved customers at HDFC and ICICI see money in seconds. Fresh applications with full KYC typically take 24 hours to 3 working days.
Banks usually charge 2–4% of the outstanding amount if you close the loan in the first year; many waive it after 12 EMIs. Check the lender's schedule of charges before signing.
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PAN, Aadhaar, 3 months of bank statements and your last 3 salary slips (or 2 years of ITR if self-employed). Most lenders now complete KYC digitally.
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