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SBI Xpress Power Personal Loan

SBI Xpress Power Personal Loan is offered to those salaried individuals who do not have a salary account with SBI but still wishes to avail a personal loan from the bank. Starting from Rs. 25,000, SBI Xpress Power Personal Loan goes upto Rs. 15 lakh and can be applied to avail funds for any financial emergency.

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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

SBI Xpress Power Personal Loan - Features and Benefits

  • Loan amount: Offering a loan amount upto Rs. 25 lakh, SBI Xpress Power Personal Loan ensures that you have enough funds when you need to pay medical bills, go on a vacation, get married, renovate your home, etc.
  • Flexible tenure: You can repay the loan as per your convenience by deciding the repayment period as per your repayment ability
  • Minimum documentation: SBI asks only for a few necessary documents like salary proof, ID proof, etc., if you wish to apply for Personal Loan
  • No hidden charges: While sanctioning you the loan amount, the bank informs you about all the additional fees and charges that you will be paying and hence saves you from any shock in future

SBI Xpress Power Personal Loan - Interest Rate and Other Fees and Charges

Term Loan Facility

2 year MCLR Spread over 2 year MCLR Effective Interest Rate with No Reset
8.10% 3.50% – 5.15% 11.60% – 13.25%

Overdraft facility

2 year MCLR Spread over 2 year MCLR Effective Interest Rate with No Reset
8.10% 4.00% – 5.65% 12.10% – 13.75%
Processing Fee 1.50% of the Loan Amount (subject to minimum ₹1000/- & maximum ₹15000/-) plus applicable Tax
Prepayment charges 3% on prepaid amount
Penal Interest 2% p. m would be charged over and above the applicable interest rate on overdue amount for the period of default.

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SBI Xpress Power Personal Loan - Eligibility Criteria

  • You should be a salaried individual with no salary account with SBI
  • You should be working with Central/State Governments/Defence Establishments, Quasi Government Bodies, PSUs, Educational Institutions of National Repute and Select Rated Corporates
  • Your minimum monthly income should be Rs. 50,000
  • Your EMI/NMI ration should be up to 50%

Documents Required

  • Identity proof: Voter ID, Passport, Pan Card, Driving License, Aadhaar Card
  • Address proof: Passport, Ration Card, Aadhaar Card, Bank Account Statement, Driving License, Electricity Bill, Telephone Bill, Sale Deed/Property purchase agreement(for owned properties)
  • Income proof: Bank Account Statement, Salary Slips

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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

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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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