Need ₹2.5 lakh urgently? Whether it’s for a medical emergency, home renovation, education, or wedding expenses, State Bank of India (SBI) offers reliable personal loan options that are easy to apply for and quick to disburse.
Let’s walk you through everything you need to know — from interest rates and EMI plans to eligibility and how you can apply online or offline.
What SBI Offers for Personal Loans in 2025
SBI is one of India’s most trusted public sector banks — and rightly so. You can borrow up to ₹35 lakh under their loan scheme, with interest rates starting from just 10.30% per annum. For a ₹2.5 lakh loan, SBI offers flexible repayment tenures, minimal documentation, and multiple application channels to suit your needs.
लोन लेने के लिए नीचे अपना नाम लिखें।
व्यक्तिगत जानकारी
व्यक्तिगत जानकारी
आय विवरण
लोन विवरण
बैंक विवरण
✅ आवेदन पूर्ण
आपका आवेदन सफलतापूर्वक पूरा हो गया है!
अब आप ऑफिशियल वेबसाइट पर लोन के लिए आवेदन कर सकते हैं।
Good news? If you’re an existing customer with a salary account, your documentation process might be even faster!
How to Apply for ₹2.5 Lakh SBI Personal Loan
SBI offers three convenient ways to apply:
1. Online via YONO App
- Log in to the YONO SBI app
- Go to ‘Loans’ > ‘Personal Loan’
- Check your eligibility, enter the amount (₹2.5 lakh), choose the tenure, and complete your application with OTP verification
- Once approved, the amount is disbursed directly to your account
2. Pre-Approved Loan Offers
If you’re eligible, you might already have a pre-approved loan offer waiting.
- Go to YONO or SBI’s Internet Banking
- Select the Pre-Approved Personal Loan section
- Enter your PAN and DOB, validate details, and choose the loan amount
3. Offline at a Branch
Prefer face-to-face interaction?
- Visit your nearest SBI branch
- Talk to a representative, understand your eligibility, and fill out the application
- Submit necessary documents for processing
✅ Eligibility Criteria
To apply for a personal loan from SBI, you must:
- Be salaried or self-employed
- Have a minimum monthly income of ₹15,000
- Be in current employment or business for at least one year
Note: Salary account holders with SBI usually enjoy a smoother application process due to quicker verifications.
📊 Interest Rates & Charges (As of May 2025)
| Feature | Details |
|---|---|
| Interest Rate | 10.30% – 15.30% p.a. (average ~12.68%) |
| Loan Amount | ₹25,000 to ₹35 lakh |
| Loan Tenure | Up to 7 years |
| Processing Fees | Up to 1.5% + GST (may be waived) |
💡 Actual rates depend on your credit profile, repayment history, and loan type.
📋 Required Documents
To apply for your ₹2.5 lakh loan, keep the following documents ready:
- Identity Proof: PAN, Aadhaar, Passport, Voter ID, or DL
- Address Proof: Utility bill, Passport, Aadhaar, or Ration Card
- Income Proof: Latest salary slips, Form 16, or 6-month bank statements
Pro tip: Always double-check document requirements on the official SBI website or by calling customer support.
🧠 Quick Reminder Before You Apply
SBI loan approvals depend on:
- Your credit score
- Repayment history
- Employment status
- Income level
- The loan amount and tenure you choose
So, even though ₹2.5 lakh might seem small, always apply responsibly. Overborrowing without repayment planning can hurt your credit health in the long run.
📞 Need Help?
Visit your nearest SBI branch or call the bank’s official helpline for assistance. For the latest updates on rates, charges, and offers, always refer to the SBI official portal.
⚠️ Disclaimer
This article is meant for educational and informational purposes only. It does not promote or encourage taking credit. Loans come with financial responsibilities, such as interest charges and risks of late payment. Always consult a certified financial advisor before making any borrowing decision.