Official Public Sector Lender · Zero Hidden Charges

State Bank of India Personal Loan

India’s Most Trusted Bank with Special Schemes for Govt & Salaried Employees

Starting ROI

11.15% p.a.

Max Tenure

72 Months

Loan Amount

Up to ₹20 Lakh

Processing Fee

0% - 1.5% (Max ₹15,000)

100% Digital Process Flexible Prepayment Instant Sanction

Check Loan Eligibility

INSTANT

Get custom quotes without impacting your CIBIL score.

Enter your 10-digit mobile number to receive a verification OTP and view custom loan offers.

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⚡ Instant
No CIBIL Impact
🔒 100% Safe
Bank-Grade Security
⏱️ 3 Mins
Fast Disbursal

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Zero Foreclosure Fee

Save thousands on early loan closures

Swift 24h Disbursal

Direct deposit into your bank account

100% Paperless KYC

Secure Aadhaar & PAN verification

Smart Loan Planning

State Bank of India Personal Loan EMI Calculator

Plan your monthly installments based on State Bank of India’s starting interest rate of 11.15% p.a..

Loan Amount₹5,00,000
₹50,000Up to ₹20 Lakh
Interest Rate (% p.a.)11.15%
11.15% (Min)24.0%
Tenure3 Years (36 Months)
1 Year6 Years
Monthly EMI

₹16,405

Principal: 85%Interest: 15%
Principal Amount:₹5,00,000
Total Interest Payable:₹90,580
Total Amount Payable:₹5,90,580

Ready to Apply for State Bank of India Personal Loan?

Check instant customized offers from State Bank of India with zero paperwork and zero impact on your credit score.

Got Questions?

Frequently Asked Questions

Everything you need to know about State Bank of India personal loan rates, eligibility, and processing.

SBI Personal Loan interest rates start from 11.15% p.a. for salary account holders and up to 15.30% p.a. depending on your CIBIL score and employer category.