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SBI YONO Personal Loan

SBI YONO Personal Loan is a pre-approved instant personal loan scheme offered to select customers of SBI for loan amount of up to Rs 15 lakh, through SBI YONO app in just 4 clicks. It is an end-to-end digitized product with 24*7 availability with no documentation, no application fees and no branch visit.

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Curated offers from 30+ lenders

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Money in your account instantly

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Digital Process

Hassle-free & paperless

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Personal Loan EMI Calculator

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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 ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
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 YONO Personal Loan Highlights

Products Rate of Interest (p.a.)
Pre-approved Personal Loans (PAPL) to Non CSP Customers 14.10%-14.60%

Note: Rates as of 21 February 2025.

Interest Rates for SBI YONO Personal Loan

Products Rate of Interest (p.a.)
Pre-approved Personal Loans (PAPL) to Non CSP Customers 14.10%-14.60%

Eligibility Criteria for YONO App Personal Loan

  • For CSP (Customer Service Point) and Non-CSP customers
  • For savings bank account holders
  • The SBI savings bank account holders can SMS ‘PAPL#### (#### being the last 4 digits of your SBI savings bank account no.) to 567676 to check their eligibility

Documents Required for SBI YONO App Personal Loan

The personal loan applicants are not required to submit any documents to SBI while applying for Pre-approved SBI Personal Loans through YONO app.

Also know about the SBI personal loan documents required during loan application

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How to Apply?

Follow the below-mentioned steps to apply for SBI personal loan through YONO app:

  • Login to the YONO app
  • Look for available pre-approved personal loan offer in your account
  • Select the loan amount and tenure
  • Enter the OTP received on the registered mobile number and submit the application
  • The loan amount will be disbursed in your account instantly

Fees and Charges for SBI YONO App Personal Loan

SBI does not charge any application fees for Pre-approved Personal Loans applied through YONO app.

Also Read: Personal Loan Processing Fee charged by other lenders

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

Explore Our Sbi Bank Lenders

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FAQs

At present, SBI is offering the personal loan through the app only to existing customers. However, the bank is planning to extend this service to new customers as well in the near future.

Pre-approved personal loan is provided to select customers of SBI. It may not be available to all SBI account holders.

It can take as less as a few minutes to get the amount disbursed in your account when you apply for a personal loan through the YONO app.

PAN card is mandatory for this loan whereas you have to provide any other document details for address proof such as Aadhaar card, Driving License, Voter’s ID card, etc.

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Last updated: 30 August, 2025

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Vandana Punj
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Shamik Ghosh

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