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Personal Loans Schemes
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PERSONAL LOAN SCHEMES - Rate of Interest (w.e.f. 01.01.2024)

2-year MCLR @ 8.75%

Mean ROI for Xpress Credit (Q3 FY24): 12.32%

 

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% 11.15% - 12.65%

 

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% 11.30% - 13.80%

 

C. Applicants of Other Corporates

Spread over 2-year MCLR Effective Interest Rate with No Reset
4.55% - 5.55% 12.30% - 14.30%

 

II. XPRESS ELITE SCHEME (including RTXC Elite)

Salary Account with SBI:

Spread over 2-year MCLR Effective Interest Rate with No Reset
2.40% - 2.90% 11.15% - 11.65%

 

Salary Account with another Bank:

Spread over 2-year MCLR Effective Interest Rate with No Reset
2.65% - 3.15% 11.40% - 11.90%

 

III. XPRESS 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. XPRESS LITE SCHEME

1% higher than I. Xpress Credit scheme for all brackets

 

V. SBI QUICK PERSONAL LOAN SCHEME THROUGH CLP PORTAL (i.e., https://www.sbiloansin59minutes.com)

(for customer not maintaining salary account with SBI)

0.25% higher than I. Xpress Credit Scheme for all Brackets

 

VI. XPRESS CREDIT INSTA TOP-UP LOANS

Spread over 2 year MCLR Effective Interest Rate with No Reset
3.65% 12.40%

 

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

Spread over 2 year MCLR Effective Interest Rate with No Reset
5.05% - 5.55% 13.80% - 14.30%

 

VIII. PENSION LOAN SCHEMES

Mean ROI for Pension Loan (Q3 FY24): 11.33%

Scheme Spread over 2-year MCLR Effective Interest Rate with No Reset
SBI Pension Loan 2.55% 11.30%
Jai Jawan Pension Loan 2.55% 11.30%
Pension Loan Scheme For Treasury & PSU Pensioners 2.55%-3.05% 11.30% - 11.80%
Pre-Approved Pension Loans(PAPNL) 2.55% 11.30%
Pre-approved Insta Pension Top-Up 2.55% 11.30%

 


Last Updated On : Thursday, 04-01-2024

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