Is SBI Real-Time Xpress Credit available for private sector employees?

Yes SBI Real Time Xpress Credit personal loans are available for private sector employees only if their salary gets credited into SBI’s salary account.

SBI RTXC Loan

State Bank of India offers Real-Time Xpress Credit Personal Loan to applicants maintaining their salary accounts with the bank. The bank offers instant personal loans through YONO app for loan amount of up to Rs. 50 lakh. Applicants can visit Paisabazaar and compare SBI personal loan with multiple loan options to avail better terms and offers from other lenders depending on their credit profile.

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 30^th June '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy

Google Play Store

4.5_/5

15.6L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

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.

Find Best Personal Loan Offers

Sort by:

HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

ICICI Bank

100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest11% - 13%

Tenure upto1-5 Years

Processing FeeUpto 2%

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

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.

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.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

Avail Personal Loan for
All Your Needs

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

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.