SBI Personal Loan of 25000

The State Bank of India is more than just a bank. It empowers your dreams with a unique blend of accessibility, flexibility, and a personalised touch. SBI believes in offering financial solutions moulded to fit your specific needs. Whether it’s a dream vacation, higher education, a grand wedding, or unexpected medical expenses, SBI is committed to transforming your aspirations into reality. The SBI loans come with transparent processes, competitive interest rates, and a focus on hassle-free experiences, allowing you to concentrate on your goals rather than financial complexities. 

SBI 25,000 Personal Loan – Highlights 

Here is a quick snapshot of the SBI 25,000 personal loan amount for you. 

Loan Amount	25,000
Maximum Loan Tenure	Up to 6 years
Rate of Interest (p.a.)	10.55% p.a.
Overdraft Facility	Available
Pre-Approved Facility	Available

25,000 Personal Loan EMI Up to 6 Years

The below mentioned table showcases SBI personal loan 25,000 EMI for up to 6 years. 

Loan Tenure	Loan Amount	Interest Rate (p.a.)	EMI
1 Year	25,000	10.55%	₹2,204
2 Years	25,000	10.55%	₹1,160
3 Years	25,000	10.55%	₹813
4 Years	25,000	10.55%	₹641
5 Years	25,000	10.55%	₹538
6 Years	25,000	10.55%	₹470

Comparing 25,000 SBI Personal Loan With Other Banks and NBFCs 

Here is a quick snapshot of the comparison between SBI personal loans with other market leaders. 

Bank Name	Interest Rate (p.a.)	Maximum Loan Tenure
SBI	10.55% onwards	6 Years
ICICI Bank	10.50% onwards	7 years
TATA Capital	10.99% onwards	6 years
Kotak Mahindra Bank	10.99% onwards	6 years
Standard Chartered Bank	11.49% onwards	5 years
L&T Finance	12% onwards	4 years

SBI Personal Loan 25,000 – Fees and Charges 

Following are the fees and charges required for an SBI personal loan of 25,000. 

• 1.50% processing fee of the loan + GST
• An 18% GST 
• Additional charges are inclusive of document verification charges and stamp duty charges may also apply

SBI Personal Loan 25,000 Documents Required 

Following are the documents needed to apply for a 25,000 SBI personal loan. 

1. A completely filled loan application form 
2. One will need to show an Aadhar Card, Voter ID, Driver’s Licence, and Utility bills, along with other documents
3. For income proof, one will need to show a balance Sheet and P&L account, Salary receipts, Bank statements, IT returns, and other documents

25,000 Personal Loan Eligibility Criteria SBI

The 25,000 personal loan eligibility for SBI borrowers is as follows:

1. Qualified Applicants: Self-employed, salaried individuals, pensioners, and government employees.
2. Age Criteria: Applicants must be between 21 and 76 years old at the time of application.
3. Minimum Income: The bank will specify the minimum income requirement.
4. EMI/NMI Ratio: The EMI/NMI ratio should be below 50%.
5. Citizenship Requirement: Applicants must be Indian citizens.