SBI Personal Loan Online Apply 2025 – Step-by-Step Guide
The State Bank of India (SBI) now allows users to apply for a personal loan instantly using their Aadhaar and PAN card through the YONO SBI App. This government-backed facility ensures quick approval and disbursal, often within 5 minutes, without requiring physical documents or a bank visit.
📝 Documents Required
To apply for the SBI personal loan online, keep the following ready:
- Aadhaar Card
- PAN Card
- SBI Bank Account
- Registered Mobile Number linked to the bank
📲 How to Apply Using YONO SBI App
- Download the App:
- Open Google Play Store and search for “YONO SBI”.
- Install and open the application.
- Login or Register:
- For existing account holders, log in using your Internet Banking credentials or M-PIN.
- If new, follow the registration process using your account number and OTP.
- Loan Offer Section:
- After login, go to the “Loan” section.
- If eligible, a loan offer will automatically be shown based on your profile.
- Apply for the Loan:
- Click on “Tap here to apply now”.
- Enter PAN number and Date of Birth.
- Confirm your details and proceed.
- Loan Customization:
- Choose loan amount (e.g., ₹20,000).
- Select the repayment tenure (6 to 36 months).
- Review interest rates (e.g., 14%).
- EMI example: ₹684 for ₹20,000 over 3 years.
- Final Submission:
- Accept terms & conditions.
- Choose EMI start date.
- Receive OTP on registered mobile and click on Submit.
💡 Key Highlights
- Instant Disbursal: Loan credited within 2–3 hours.
- No Physical Visit Required
- No Document Uploads Needed
- 24×7 Application Facility
- Eligibility Based on Credit Score and Banking History
📌 Alternate Method Without SBI Account
If you don’t have an SBI account, you can still apply:
- Visit Google and search for “SBI Personal Loan Online Apply”.
- Follow the same procedure on the SBI official portal.
✅ Conclusion
The SBI Personal Loan Online Apply 2025 process is easy, fast, and entirely digital. Using just your Aadhaar and PAN card, you can secure instant funds through the YONO SBI app, with zero paperwork and no branch visit.
For more government loan updates and step-by-step guides, stay connected!
Also Read :15 Government ID Cards Every Indian Must Have in 2025