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SBI YONO Personal Loan

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Wide Choice

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Quick Disbursal

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SmartMatch

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Digital Process

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4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

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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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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

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

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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All Your Needs

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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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Reasons for Delay in Personal Loan Processing

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APR vs Interest Rate in Personal Loans: What’s the Difference?

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Tips to Choose an Ideal Personal Loan Tenure

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What our customers say

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

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Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

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Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

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Bilal ZaidiDec 9, 2025

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Shivani SuryaDec 3, 2025

Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

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SunnyDec 3, 2025
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Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers