SBI Xpress Credit Personal Loan
State Bank of India
Why choose this lender?
- Lowest rates in the category — from 11.45% p.a.
- Up to 7-year tenure — lowest EMI option among banks
- Salary account at SBI speeds up approval to same-day
- No collateral needed; available across all SBI branches
Loan details
- Interest Rate
- 11.45% – 14.6% p.a.
- Loan Amount
- ₹25,000 – ₹20,00,000
- Tenure
- 6 – 84 months
- Processing Fee
- 1.5% of loan amount (max ₹15,000)
- Disbursal Speed
- Same day (salary account holders)
- Min. Monthly Income
- ₹15,000
- Min. CIBIL Score
- 650
- Rates verified
- 2026-07-06