SBI Personal Loan Apply Online - Interest Rates, Eligibility & EMI Calculator

If you're searching for a reliable personal loan with flexible repayment options and low interest rates, SBI (State Bank of India) offers one of the best solutions in India. With the convenience of online application through YONO or Internet Banking, you can apply for a personal loan without stepping into a branch.

Pre Approved Personal Loan SBI - Fast, Simple & 100% Online

SBI now offers Pre-approved Personal Loans to selected customers through the YONO app or Internet Banking platform. The best part? No paperwork, no branch visits, and instant disbursement!

Low Processing Fees
Instant Loan Disbursement in just 4 clicks
100% Digital – No physical documentation required
Available 24x7 via YONO and Internet Banking

Eligibility Criteria

To check your eligibility, simply SMS "PAPL <last 4 digits of your SBI Account>" to 567676. Please note that this is a pre-offer based on internal criteria and subject to final approval after document verification.

How to Apply for SBI Personal Loan Online

Login to YONO App or Internet Banking
Click on the “PAPL” Banner
Enter your PAN and Date of Birth for validation
Select loan amount and tenure
Enter OTP to confirm – Loan will be credited instantly

SBI Personal Loan Interest Rate & Amount Options

The SBI personal loan interest rate generally ranges from 10.65% to 13.85% per annum depending on the applicant’s profile. Processing fees are minimal, and no hidden charges are involved. For salaried employees, the bank also offers special packages with low EMIs.

SBI personal loan for ₹10,000 salary: May require a co-applicant or longer tenure
SBI personal loan interest rate for ₹1 lakh: Approximately ₹2,149/month for 5 years
SBI YONO ₹1 lakh loan: Quick approval for eligible users
SBI online loan ₹50,000: Easily available through Internet Banking/YONO

SBI Personal Loan Calculator – Plan Your EMIs Easily

Use our free SBI personal loan calculator to get accurate EMI estimates based on loan amount, interest rate, and tenure.

Please calculate EMI here:

Open EMI Calculator

Why Choose SBI Personal Loan Over Others?

While many banks offer personal loans, SBI stands out due to its low interest rates, minimal documentation, and government-backed trust. Compared to other institutions like HDFC Bank Personal Loan, SBI offers better transparency and online tools for hassle-free loan management.

Key Benefits:

Trusted Government Bank
Competitive Interest Rates
Instant Online Approvals via YONO
Suitable for Salaried Professionals
Convenient EMI Calculation Tool

If you're looking to SBI bank personal loan apply online, make sure to check your eligibility, calculate EMI, and choose a plan that suits your needs. For salaried individuals, it’s one of the easiest ways to get quick funds for emergencies, travel, education, or weddings.

Compare wisely and plan smartly with emicalculator.today – your one-stop solution for EMI planning.