SBI Personal Loan— Interest Rates, Eligibility & How to Apply
State Bank of India offers some of the most competitively priced personal loans, especially for government and salaried-account customers.
Soft check — comparing won't affect your credit score.
SBI Personal Loan at a glance
Interest rate
from 11.15% p.a.
Max amount
₹30 Lakh
Max tenure
6 years
Processing fee
up to 1.5%
Figures are illustrative 2026 ranges and subject to the lender's current policy. See our editorial policy.
Why choose SBI?
- Lower rates for government/PSU employees
- Low processing fee
- Loans up to ₹30 Lakh
- Trusted public-sector lender
SBI Personal Loan eligibility
- Salaried with SBI account preferred
- Stable income
- Good repayment history
How to apply via RupeeQuik
1. Compare
See your eligible personal loan offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
SBI Personal Loan — FAQs
What is the interest rate on a SBI personal loan?+
SBI personal loan interest rates start from around 11.15% p.a. The exact rate depends on your credit score, income and profile. Compare your eligible offers on RupeeQuik before applying.
How much personal loan can I get from SBI?+
SBI offers personal loans up to ₹30 Lakh, subject to your income and eligibility. Use RupeeQuik's eligibility calculator to estimate your amount.
What documents does SBI need for a personal loan?+
Typically PAN, Aadhaar, recent salary slips and bank statements. Many applications are now fully digital with minimal paperwork.
How long does SBI take to approve a personal loan?+
Approvals are often within 24–72 hours, and pre-approved customers can get near-instant disbursal.
