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SBI RTXC Loan

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What is SBI Real-Time Xpress Credit Personal Loan (RTXC Loan)

Real-Time Xpress Credit is a completely digital personal loan scheme tailor-made for applicants maintaining their salary accounts with SBI. The loan is offered through YONO app and disbursed instantly to meet the personal requirements of applicants, such as, wedding, travel, medical emergency, home renovation, etc.

SBI Real-Time Xpress Credit Interest Rate 2026

Since, SBI has not disclosed any special rates for SBI Real-Time Xpress Credit personal loan scheme, applicants can avail the personal loan scheme at the same rates as regular sbi personal loan scheme.

Minimum Interest Rate 10.00%
Maximum Interest Rate 15.00%

SBI Real-Time Xpress Credit vs SBI Regular Personal Loan

SBI Real-Time Xpress Credit SBI Regular Personal Loan
Completely digital. Might require branch visits physically.
Instant loan disbursement. Might require 2-7 working days for disbursal.
Loan offered through YONO app. Applicants may or may not use YONO app for application.
The process is more convenient. Comparatively less convenient.
Only online documentation. Physical documentation also allowed alongwith digital documentation.

Eligibility for SBI Real-Time Xpress Credit

Below-mentioned is the eligibility criteria for SBI Real Time Xpress Credit personal loan:

  • Applicants should be maintaining their salary accounts with the bank.
  • The minimum monthly income should be Rs. 20,000 (government/defence employees) and Rs 25,000 (corporate employees).
  • EMI should be up to 65% of the net monthly income, including the existing EMIs and EMI of the proposed personal loan.

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SBI Real Time Xpress Credit Loan Amount & Tenure

  • SBI offers loan amount of up to Rs. 50 lakh based on the EMI/NMI ratio and the multipliers method.
  • The bank considers the applicants having their EMIs up to 65% of their net monthly income, including the existing EMIs and EMI of the proposed personal loan, or 30 times the net monthly income, whichever is lower.
  • The loan tenure ranges up to as long as 7 years.
  • Longer tenure results in lower EMIs but the total interest cost increases, and vice-versa.

Documents Required for SBI RTXC Loan

Documents required for its Real Time Xpress Credit personal loan applicants.

  • ID proof- Aadhaar card, passport, PAN card, driving license, voter ID
  • Address proof- Aadhaar card, passport, driving license, voter ID, utility bills (electricity bill, telephone bill, gas bill)
  • Salary slips for last 3 months
  • Bank statements for last 6 months
  • ITRs for past 2 years.

SBI RTXC Loan Processing Fee & Charges

Below-mentioned are the processing fees and charges levied by SBI on their personal loan applicants:

Particulars Charges
Processing fees Up to 1.50% (Rs. 1,000 - Rs. 15,000)
Penal Charges 2.40% p.a.

FAQs

What is SBI RTXC personal loan?

SBI Real Time Xpress Credit is a completely digital personal loan scheme offered through YONO app to meet the personal requirements of the applicants.

What is the interest rate for SBI Real Time Xpress Credit 2026?

As of 2026, SBI Real Time Xpress Credit interest rates start from 10% p.a.

Who is eligible for SBI Real Time Xpress Credit loan?

Applicants having their salary accounts with SBI, EMI/NMI ratio up to 65% and minimum monthly income of Rs. 20,000 are eligible for SBI Real-Time Xpress Credit personal loan scheme.

What is the maximum amount for SBI Real-Time Xpress Credit?

The bank offers a maximum loan amount of Rs. 50 lakh to its  SBI Real-Time Xpress Credit personal loan applicants depending on their repayment capacity.

What is the difference between SBI Real-Time Xpress Credit and SBI personal loan?

SBI Real-Time Xpress Credit personal loan is completely digital and can be applied only through YONO app, whereas, SBI regular personal loans can be applied by visiting the bank branch physically.

How to apply for SBI Real-Time Xpress Credit online?

You can apply for SBI Real-Time Xpress Credit personal loan scheme online through SBI YONO app.

What documents are needed for SBI Real-Time Xpress Credit?

SBI requires the ID proof, address proof, bank statements, income proof and ITRs during loan application.

Can state government employees get SBI Real-Time Xpress Credit?

Yes, state government employees can get SBI Real-Time Xpress Credit personal loan scheme if their salary is credited in SBI.

What is the processing fee for SBI Real-Time Xpress Credit?

The processing fee for SBI Real-Time Xpress credit scheme range up to 1.50% of the loan amount (Rs. 1,000 - Rs. 15,000).

How long does SBI Real-Time Xpress Credit take to disburse?

SBI Real Time Xpress Credit personal loans are disbursed instantly.

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What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

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Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026
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Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
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Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

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