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Personal Loans Schemes

PERSONAL LOAN SCHEMES - Rate of Interest (w.e.f. 15.08.2024)

2-year MCLR @ 9.05%

Mean ROI for Xpress Credit (Q3 FY25): 12.67%

 

Festive Dhamaka: Zero Processing Fee till 31st January 2025. Avail now!

I. XPRESS CREDIT SCHEME [including Pre-Approved Xpress Credit  (PAXC)/ RTXC/ RMP Xpress Credit]

 

A. Applicants of Defence/ Central Armed Police/ Indian Coast Guard

Spread over 2-year MCLR Effective Interest Rate with No Reset
2.40% - 3.90% 11.45% - 12.95%

 

B. Applicants of Central Govt./ State Govt./ Police / Railway/ Central Public Sector Enterprises (CPSEs) Considered Under ‘RATNA’ Status

Spread over 2-year MCLR Effective Interest Rate with No Reset
2.55% - 5.05% 11.60% - 14.10%

 

C. Applicants of Other Corporates

Spread over 2-year MCLR Effective Interest Rate with No Reset
3.55% - 5.55% 12.60% - 14.60%

 

II. XPRESS ELITE SCHEME (including RTXC Elite)

A. Salary Account with SBI:

Spread over 2-year MCLR Effective Interest Rate with No Reset
2.40% - 2.90% 11.45% - 11.95%

 

B. No loan to be offered in case salary account of the customer is not maintained/ shifted in our Bank.

 

III. XPRSS FLEXI SCHEME (Overdraft Facility)

0.25% higher than I. Xpress Credit scheme for Diamond Salary Package customers and II. Xpress Elite scheme for Platinum Salary Package customers

 

IV. SBI QUICK PERSONAL LOAN SCHEME THROUGH CLP PORTAL (for customer not maintaining salary account with SBI)

No loan to be offered in case salary account of the customer is not maintained/ shifted in our Bank.

 

V. PRE-APPROVED PERSONAL LOANS (PAPL) TO NON-CSP CUSTOMERS

Spread over 2 year MCLR Effective Interest Rate with No Reset
5.05% - 5.55% 14.10% - 14.60%


Last Updated On : Wednesday, 05-02-2025

Interest Rates

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11.45% p.a.*

*T&C Apply.

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