SBI Personal Loan of 25000

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Thejus KS

A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.

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Piyush Bothra

Chief Financial Officer, Square Yards

Piyush Bothra is the Chief Financial Officer at Square Yards, bringing over two decades of rich experience in finance and leadership. He is an MBA graduate from the prestigious IIM Lucknow and holds a BE in Information Technology from Sardar Vallabhbhai Patel Institute of Technology. He has played pivotal roles in scaling businesses and driving financial strategies. At Square Yards since 2015, Piyush is known for his strategic vision, strong financial knowledge, and valuable financial insights, significantly contributing to the company's growth and success.

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.

A completely filled loan application form
One will need to show an Aadhar Card, Voter ID, Driver’s Licence, and Utility bills, along with other documents
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:

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

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Frequently Asked Question (FAQs)

What is the SBI monthly interest on a 25,000 personal loan?

The SBI 25,000 loan interest rate starts from 10.55%.

Can I get a 25,000 personal loan from SBI?

Yes, if you meet the basic eligibility criteria, you can avail 25,000 personal loan from SBI.

How do I get a 25,000 personal loan without a salary slip in SBI?

In such a case, you may need to get in touch with the bank’s staff. However, if you have a healthy CIBIL score and meet the eligibility criteria, then there should not be much problem in availing of a personal loan.

What is the CIBIL score for 25,000 personal loans for SBI?

A score between 700-750 or above is considered a robust score.