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SBI YONO Personal Loan

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Get Cashback of 1,000* on Loan Disbursal
Valid till 31st July '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.99%

4.5/5

15.6L Reviews

6cr+Satisfied Customers
30+Lending Partners
₹65k Cr+Loans Disbursed
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Wide Choice

Curated offers from 30+ lenders

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Quick Disbursal

Money in your account instantly

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Digital Process

Hassle-free & paperless

SBI YONO Personal Loan Highlights

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

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

FAQs

I do not have a SBI account. Can I apply for a personal loan?

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.

Is pre-approved personal loan available for all SBI YONO customers?

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

How much time does it take for the amount to be disbursed in case of pre-approved loan?

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.

Can I avail the pre-approved personal loan if I don’t have a PAN card?

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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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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Sushmita Mishra profile
Written ByLinkedIn icon
Sushmita Mishra
Shamik Ghosh profile
Reviewed ByLinkedIn icon
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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