sbi bank personal loan/ sbi person loan interest/

sbi bank personal loan/sbi personal loan interest

sbi bank personal loan /sbi person loan interest rate- how to get 10 lakh SBI personal loan from home. Along with what percentage of interest you have to pay while taking SBI personal loan.


 personal loan introduction-:

As you all know the biggest bank of India is State Bank of India, almost everyone’s account is open in this, whenever we need money, then we depend on this bank, whatever loan is needed by going to the bank. We talk to the bank manager for what we need and the bank manager refuses to give us a loan without thinking anything.
If you want to apply for sbi personal loan, you need a personal loan then you can apply for this loan sitting at home but who can apply for this loan, what should be the qualification to take this loan You are going to get complete information in this blog post, so read the whole post carefully.

sbi online personal loan

If you are going to apply for personal loan from SBI Bank then you should have some information first as we have informed you above that the bank gives you the loan only when you follow some condition of the bank such as-
SBI salary account-
It is mandatory for you to have a salary account in State Bank of India, if you work somewhere, then the salary that your company provides to you will come in your bank account and if that bank account is in your SBI then you will get from State Bank of India. It will be very easy to take a loan.
If you do not have an account in SBI, then first of all, you should open a salary account in State Bank of India, only after that you apply for personal loan, only then your form will not be rejected and you will have more chances of getting a personal loan.

Strong Civil Score-

When you apply for a personal loan in any bank, then the bank checks your civil, so that the bank knows whether you have taken any loan before, whether you have paid it on time or not. is |
And to check civil school, all banks use your PAN card, if you do not have a PAN card, then first make a PAN card and then check your CIBIL score, if your CIBIL score is 750 or above, then you Any bank gives personal loan very easily.
You can also check your civil it sitting at home, for this you will get to see many online sites from where you can check your CIBIL score online sitting at home and if the civil score is above 750, you can apply for personal loan immediately. can .

sbi bank personal loan
sbi bank personal loan

Minimum salary amount-

If you are thinking of taking a personal loan from SBI Bank, then you also have to keep in mind that the minimum salary that comes to your account every month should be at least ₹ 15000, if it is more then you will get more benefit.
But at least ₹ 15000 salary should come in your account every month, due to which the bank is sure that every month so much money is coming in your account so that you can pay its installment very easily and if you salary is 15000 If more than this, then immediately you can apply for a personal loan from SBI Bank sitting at home.

SBI Personal Loan TypesState Bank of India offers mainly two types of personal loans which are as follows-

term loan-sbi bank personal loan

If you apply for a time loan in the State Bank of India, you can apply for at least ₹25000 and maximum ₹2000000and you can also take sbi personal loan up to 24 times the salary you have|.

overdraft loan

Overdraft loan provides you a loan of at least ₹ 500000 and you can take an overdraft loan up to 24 times the net amount of your salary, depending on how much loan you want to take and how you want to take it.
The most important thing in both these types of loans is that you should have at least ₹ 15000 in this type of loan, only then you can apply for this type of loan, if the salary is less than 15000 then you are not eligible for it and the bank Will not provide you loan.

What is the age limit to avail SBI personal loan?

Whenever you apply for SBI personal loan, then you also have to keep in mind that your minimum age should be 21 years and maximum 58 years, the bank does not give you personal loan if it is less and more.

Personal loan repayment time?

Friends, there is a fixed time limit for any loan within which you have to repay the loan taken by the bank, in this you have to take the loan for at least 6 months and maximum you have to take the loan for 72 months. can apply.
Here you have to keep one thing in mind that if you take a loan and repay that loan before the deadline, then the bank charges you three percent interest, which the SP charges the payment penalty charge, but if the bank offers you another loan. Then you can take another loan bigger than this and close it, at that time you will not incur any penalty charge.

SBI personal loan documents?-

If you are thinking of taking a personal loan from SBI Bank, then you will need some documents. that is as follows-

Salary slip?-

You need a salary only while filling the online or offline form, so you will need a salary slip from where you are taking payment and you can submit that salary slip online offline.

Bank statement?-

While applying for a personal loan in SBI Bank, you also need a bank statement which should be at least 6 months old, so take out the 6 months bank statement in advance whenever you apply for SBI personal loan. |
You can submit your passbook photo copy as a statement, the record of the last 6 months has been done, you have to show it to the bank.

ITR Return?-

While taking online SBI personal loan, you also have to give a copy of the return which should be at least 2 years old. gives.ITR copy of 2 years you need while applying offline while applying online, prepare it in advance.

Passport size photo?-

While applying SBI personal loan, you need two passport size photographs, take them out in advance so that you do not have to worry when the time comes, so whenever you apply for SBI personal loan, take two photographs.

KYC documents-

While applying SBI personal loan in the form of KYC documents, you need Aadhar card, PAN card, Ration card or Voter ID card in these documents, you have to fill the photocopy and ID card number of whatever document you are asked.

sbi personal loan interest rate [ SBI bank personal loan interest rate ]”-

The interest rate that you get on SBI personal loan ranges from 9.06% to 13.85% percent, at least you may have to pay 8.5%. The biggest advantage when taking a personal loan in SBI Bank is that the interest rate on personal loan from here is the lowest.
That’s why everyone wants to take a personal loan from SBI, but personal loan is not easily obtained, so you may have to work a little hard, you may have to talk to the bank manager or there will be some trouble while filling the online form, which you will slowly – Can be solved by doing.