Digital Lending - Personal Banking
Digital Lending
- What is Digital Lending?
Digital Lending is a remote and automated lending process, largely by use of seamless digital technologies for customer acquisition, credit assessment, loan approval, disbursement, recovery, and associated customer service. - Is our Bank compliant with the Digital Lending guidelines ?
Sate Bank of India is compliant with the Digital Lending Guidelines issued by RBI vide its circular letter No. RBI/2022-23/111 DOR.CRE.REC.66/21.07.001/2022-23 dated 02.09.2022. - Channels on which these Digital Lending Services are offered?
State Bank of India is offering Digital Lending Services through its following channels/Apps/Platforms:- i. YONO SBI App
- ii. YONO Business SBI App
- iii. Internet Banking Platform (INB)
- Our customers can avail loans / initiate loan requests through above digital Channels/Apps/platforms, subject to the applicable terms & conditions.
More information:
1. Product information relating to digital loans:
- Loan against Mutual Fund
- Insta Home Top up loans
- Real time Xpress Credit (RTXC)
- Pre-Approved Personal Loans (PAPL)
2. Grievance Redressal related information:
- RBI Integrated Ombudsman Scheme
- RBI Sachet Portal
- Internal Ombudsman Scheme
- Grievance Redressal Officers
3. List and contact details of Bank empaneled recovery /resolution agents
Last Updated On : Tuesday, 29-04-2025

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above
6.50% p.a.
for loan amount up to Rs. 2 lacs
8.65% p.a.
for loan amount > Rs. 2 lacs up to Rs. 6 lacs
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Criteria
- Features
- Eligibility
- Terms and Conditions

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above
6.50% p.a.
for loan amount up to Rs. 2 lacs
8.65% p.a.
for loan amount > Rs. 2 lacs up to Rs. 6 lacs