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Personal, home, vehicle & other loans

Pre-Approved Personal Loan

A selected-customer personal-loan offer available through or Internet Banking with a published four-click, document-free disbursement journey and no branch visit.

Rate7.50% p.a. onwards; published as effective from 15 June 2025, subject to terms and conditions.Maximum amountUp to ₹15 lakh for an eligible pre-approved offer.Repayment tenure6 months to 84 months, depending on the product variant; the available tenure is displayed during the application journey.
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Quick eligibility check

Pre-Approved Personal Loan

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Only SBI customers pre-selected using bank-defined parameters?

Published source: Eligibility

2Do you meet this requirement: eligibility can be checked by the published PAPL SMS route?

Published source: Eligibility

3Do you meet this requirement: SBI does not publish a single rupee minimum for PAPL?

Published source: Income / account condition

4Does your annual income meet this requirement: Eligibility is limited to pre-selected customers meeting SBI-defined conditions, including a stipulated minimum salary for salary-account holders, a stipulated minimum balance for non-salary account holders, or a stipulated minimum pension for pensioners?

Published source: Income / account condition

5Do you meet this requirement: existing Xpress Credit borrowers must have a satisfactory run account and required outstanding?

Published source: Income / account condition

6Document checkDo you have this required document or proof: No physical documents under the published flow?

Published source: Eligibility

7Document checkDo you have this required document or proof: PAN and date of birth for validation?

Published source: Eligibility

8Document checkDo you have this required document or proof: Registered mobile access for OTP?

Published source: Eligibility
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 13 Aug 2026 · active
Offered byState Bank of India

Digital access through or Internet Banking for customers displaying an eligible offer

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

FacilityPre-approved selected-customer personal loanView source
A displayed offer is not an actual sanction until applicable conditions are fulfilled.
Source
Pre-Approved Personal Loans on
Page / section
Overview
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
EligibilityOnly SBI customers pre-selected using bank-defined parameters; eligibility can be checked by the published PAPL SMS routeView source
Send PAPL followed by the last four digits of the savings-account number to the official number published on page.
Source
Pre-Approved Personal Loans on
Page / section
Eligibility
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
ChannelsYONO app or SBI Internet Banking, available 24×7 when an eligible offer is presentView source
The published flow does not require a branch visit.
Source
Pre-Approved Personal Loans on
Page / section
Features and How to Avail
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Published documentationNo physical documentationView source
, date of birth and are still used in the digital validation flow.
Source
Pre-Approved Personal Loans on
Page / section
Features
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Published digital journeyLog in, select the PAPL banner, validate PAN and date of birth, choose available amount and tenure, then confirm by OTPView source
The page describes instant processing but does not publish a universal amount, tenor or interest rate.
Source
Pre-Approved Personal Loans on
Page / section
How to Avail
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Rate7.50% p.a. onwards; published as effective from 15 June 2025, subject to terms and conditions.Effective 15 Jun 2025View source
The page publishes 7.50% p.a. onwards and marks the rate as effective from 15.06.2025; the displayed rate remains subject to T&C.
Source
Pre Approved Personal Loan — official page
Page / section
Interest Rates
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to ₹15 lakh for an eligible pre-approved offer.Effective 15 Jun 2025View source
The page states instant disbursement of a pre-approved personal loan up to ₹15 lakhs, without documentation or a branch visit, available 24×7.
Source
Pre Approved Personal Loan — official page
Page / section
Pre Approved Personal Loan — features
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Repayment tenure6 months to 84 months, depending on the product variant; the available tenure is displayed during the application journey.Effective 3 Feb 2025View source
The states that the maximum repayment period ranges from 6 months to 84 months depending on the product variant displayed during the journey.
Source
Pre Approved Personal Loan (PAPL) — customer-care
Page / section
Q8 — What is the repayment period
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Processing feeNil to ₹10,000 plus GST, depending on the product feature; subject to revision.Effective 3 Feb 2025View source
The publishes a processing-fee range from Nil to a maximum of ₹10,000 plus , depending on the product feature, and notes that it is subject to revision.
Source
Pre Approved Personal Loan (PAPL) — customer-care
Page / section
Q9 — Is there any Processing fee
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Prepayment / pre-closureA pre-payment penalty may apply depending on the product feature; the applicable charge is shown in the Key Fact Statement.Effective 3 Feb 2025View source
The says a pre-payment penalty depends on the product feature and directs the customer to the applicable Key Fact Statement.
Source
Pre Approved Personal Loan (PAPL) — customer-care
Page / section
Q15 — Is there any pre-payment penalty
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Loan typePre-approved selected-customer personal loanView source
A displayed offer is not an actual sanction until applicable conditions are fulfilled. This is the issuer-published facilityType value shown under the comparison field “Loan type”.
Source
Pre-Approved Personal Loans on
Page / section
Overview — comparison field: Loan type
Accessed
13 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • 24×7 and Internet Banking access
  • No physical documentation
  • No branch visit
  • Published four-click processing journey

Eligibility

  • Only customers selected by can access an offer.
  • Pre-approved status is not final sanction.
  • Amount, rate, tenure and charges must be reviewed in the actual offer before acceptance.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • No physical documents under the published flow
  • and date of birth for validation
  • Registered mobile access for

Related official documents

Pre Approved Personal Loan (PAPL) — SBI customer-care FAQofficial-product-page · current · accessed 29 Aug 2026
↗
Pre Approved Personal Loan on YONO — SBI official product pageofficial-product-page · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Eligibility · Published detailOnly customers pre-selected using bank-defined parameters; eligibility can be checked through the published PAPL route.

This value is copied from Pre-Approved Personal Loan — published terms. Check the table notes before relying on it.

Source: Pre-Approved Personal Loan — State Bank of India · Overview; Features; Eligibility; How to Avail; linked customer-care Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsSBI Pre-Approved Personal Loan — published termsSelected-customer eligibility, digital application, rate, amount, tenure and variant-dependent charges from SBI's official pages and customer-care FAQ.View tableHide table

Scroll sideways to view every column

SBI Pre-Approved Personal Loan — published terms
ParameterPublished detail
EligibilityOnly customers pre-selected using bank-defined parameters; eligibility can be checked through the published PAPL route.
Maximum amountUp to ₹15 lakh for an eligible pre-approved offer.
Interest rate7.50% p.a. onwards; the offer page states this is effective from 15 June 2025, subject to terms.
Tenure6–84 months, depending on the product variant; the available tenure is displayed during the application journey.
Digital processLog in, select the PAPL banner, validate and date of birth, choose available amount and tenure, then confirm by .
DocumentsNo physical documentation for the pre-approved digital journey.
Processing feeNil to ₹10,000 plus , depending on the product feature; subject to revision.
Prepayment / A prepayment penalty may apply depending on the product feature and is shown in the Key Fact Statement; no separate is published.
Income conditionNo single rupee minimum is published; eligibility is limited to pre-selected customers meeting -defined salary, balance, pension or existing-loan conditions.
Pre-Approved Personal Loan — State Bank of India · Overview; Features; Eligibility; How to Avail; linked customer-care · accessed 31 Aug 2026Open official source ↗

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