एसबीआई पर्सनल लोन ब्याज दर
SBI 9.60% प्रति वर्ष से शुरू होने वाली ब्याज दरों पर व्यक्तिगत ऋण प्रदान करता है। 7 साल तक के कार्यकाल के साथ। आपकी योग्यता के आधार पर ऋण राशि रु. 25,000 से रु. 20 लाख तक होती है। प्रोसेसिंग शुल्क ऋण राशि का 1.5% तक होता है।
esabeeaee parsanal lon byaaj dar
sbi 9.60% prati varsh se shuroo hone vaalee byaaj daron par vyaktigat rn pradaan karata hai. 7 saal tak ke kaaryakaal ke saath. aapakee yogyata ke aadhaar par rn raashi ru. 25,000 se ru. 20 laakh tak hotee hai. prosesing shulk rn raashi ka 1.5% tak hota hai.
This loan can be availed by you to take care of your various needs such as funding your children’s education, cost of medical treatment, taking a vacation, etc. If you are a salaried individual, you can avail this personal loan scheme from SBI.
Some of the features and benefits of this plan are:
1. Income: Minimum income: Rs.15,000 and Maximum income: EMI/NMI ratio should not be more than 50%
2. Repayment tenure: 6 years
3. Loan amount: There are two types of loan amounts that you can avail – Term Loan and Overdraft
Term loan:
Minimum amount: Rs.25,000
Maximum amount: 24 times the NMI up to a maximum amount of Rs.20 lakh
Overdraft loan:
Minimum amount: Rs.5 lakh
Maximum amount: 24 times the NMI up to a maximum amount of Rs.20 lakh
Processing fee: 1.5% of the loan amount
Penal interest: A penal interest of 2% p.a. will be charged on the available interest rate if you delay paying the loan amount within the stipulated tenure
SBI Pension Loan
This personal loan can be availed by those who have retired and have financial needs to take care of. If you are a retired employee, you can avail this personal loan scheme and take care of your various needs such as repairing of home, taking a vacation, etc.
Some of the features and benefits of this plan are:
1. Under this scheme, three types of pensioners are benefited – Central and State Government pensioners, Defence pensioners, and family pensioners.
2. Loan amount:
Type of pensioner Minimum amount Maximum amount
Central and State Pensioner Rs.25,000 18 months pension with a ceiling of Rs.7.5 lakh to Rs.14 lakh depending on the age of the pensioner
Defence Pensioner Rs.25,000 36 months pension with a ceiling of Rs.14 lakh for pensioners up to age of 56 year and 36 month pension with a ceiling of Rs.7.5 lakh to Rs.14 lakh depending on the age of the pensioner
Family Pensioner Rs.25,000 18 months pension with a ceiling of Rs.2.5 lakh to Rs.5 lakh depending on the age of the pensioner.
3. Repayment tenure:
Type of pensioner Repayment tenure
Central and State Government Pensioners 24 months to 60 months
Defence Pensioners 24 months to 84 months
Family Pensioners 24 months to 60 months
SBI Xpress Bandhan Loan
This loan can be availed by salaried employees who do not hold a bank account with the State Bank of India. The rate of interest offered will be at the discretion of the bank and will depend on factors such as the loan amount availed by you, repayment tenure, credit score, etc.
Some of the features and benefits of this plan are:
Loan amount: There are two types of loan amount you can avail:
Term Loan:
Minimum loan amount of Rs.25,000 and maximum loan amount should be 24 times the NMI subject to a maximum amount of Rs.15 lakh.
Overdraft Facility:
Minimum loan amount of Rs.5 lakh and maximum loan amount being 24 times the NMI subject to a maximum of Rs.15 lakh.
Repayment Tenure: Up to 5 years or the remainder of the service whichever is lower.
Processing fee: 1% of the loan amount + GST.
Repayment mode: Through NACH or Standing Instruction (SI).
Factors Affecting SBI Personal Loan Interest Rates
SBI personal loan interest rates can change for any individual who has been approved for availing a personal loan. The approval process might be dependent on several factors such as -
Personal loan amount - Based on the amount of personal loan applied for, the interest rate might be changed beyond the advertised rate for specific customers or categories of customers
Tenure of the personal loan - Based on the discretion of the bank, a longer tenure might have a lower or higher rate of interest
Repayment capacity - State Bank of India will check repayment capability of a customer. Depending on amount of cash inflows and transactions carried out by a customer, the bank might offer some leniency on personal loan interest rates
Income - Income is important for loan eligibility as well. Additionally, the bank may change the interest rate for a personal loan based on the income of a customer
Assets - Presence of fixed and movable financial assets play a crucial loan in improving the financial picture of one’s life. Based on the same, State Bank of India might provide a preferential rate of interest for personal loans
Relationship with the bank - An existing customer of State Bank of India is bound to get preference when applying for a personal loan and the bank might consider providing a better rate of interest to the customer
CIBIL scores - Approval of a personal loan takes one’s credit history into account. So, the CIBIL score might also work in favour of getting a better interest rate from the bank
How to Calculate SBI Personal Loan Interest/EMI
While there is a formula you can use to calculate the EMI on your loan, an easier way to calculate the interest payable is to use an EMI calculator. You can use BankBazaar’s Personal Loan EMI Calculator to determine how much you need to pay each month. Enter your loan details and hit ‘Calculate’.
