SBI Bank Loan Schemes

The loan schemes offered by the State Bank of India are extremely popular among the Indian citizens due to the higher facilities and features associated with them. The SBI is considered to be the most trusted bank available within the country of India. It is also the largest government bank the country has. The bank has also a large number of customers who are from different corners of the country. There are several loan facilities and schemes available from the house of SBI which are prepared keeping in mind the needs and requirements of different customers and people of the country.


Let us have a look at the different loan schemes available with the State Bank of India.


  • SBI Loan for Pensioners

  • Loan against Mortgage of Property

  • SBI Housing Loan

  • Loan against Shares & Debentures

  • SBI Car Loan

  • SBI Educational Loan

  • SBI Personal Loan


A little bit of detailing is required to understand each of these schemes.


SBI Loan for Pensioners


This service can be availed by those customers who enjoy higher pension rates due to high salary during their employment days.


The normal pensioners who had been government employees (central/state) or even SBI employees and have their pension accounts created with any of the SBI branch. Also those pensioners (age limit within 72 years) receive pension through Cheque facility that needs to be drawn in the favor of SBI (any branches) are eligible to avail the loan scheme. The loan amount that can be claimed is a maximum of twelve months net pension plus a ceiling of three lacs INR. Third Party Guarantee of the pensioner, who is eligible for the family pension scheme.


The family of the deceased pensioner is also eligible for the loan but the candidate (spouse/sibling) need to be within an age limit of 65 years. The loan amount that can be claimed is a maximum of nine months net pension plus a ceiling of one lac & fifty thousand INR. Third Party Guarantee of the family member, who is drawing the pension, who has an account with the bank without any defaulter issue.


While availing the loan, the pensioner needs to submit either form 15H or PAN card photocopy to the bank authority. Processing fee is NIL.


Note: If a pensioner avails the 36 month EMI facility, then he/she should not be greater than 70 years of age. However, if the repayment method is for a period of 24 months, then the age limit should be within 72 years. Have a glance at the interest rate chart (courtesy SBI website): Base Rate = 8.25 %


Loan against Mortgage of Property


This scheme lets the customers avail loan for simply any purpose against mortgage of property that you own. The property can be either gold ornaments or any other immovable ones. Those branches of SBI that has personal banking facility are the ones where these loans can be availed from. If the loan is below twenty-five lacs of rupees, then no specification is required. If the amount reaches the twenty-five lacs figure or above, then specification on the purpose for which the loan is taken needs to be done.


Any person who has a fixed monthly income of twelve thousand INR or more is eligible to avail the scheme. However, if the annual income is >1, 50,000 INR, then also he/she is eligible.


The maximum age limit that is required to avail this specific loan scheme is sixty years. The minimum loan amount that can be availed is 25,000 INR and the maximum is 100, 00,000 INR (conditions apply). Processing fee is two percent of the total sanctioned loan amount.


The repayment (or EMI) will be a maximum for one hundred and twenty months while dividing the installment to sixty numbers.


Let us have a look at the interest rates:


Loan against

Credit limit size

Interest Rate percent

Gold Ornaments & Jewelry

< 1,00,000

12.50 (4.25 % + 8.25 % (base rate))

 

> 1,00,000

13.00 (4.75 % + 8.25 % (base rate))

Immovable property mortgage

< 1,00,00,000

13.50 (5.25 % + 8.25 % (base rate))

 

> 1,00,00,000

13.70 (5.50 % + 8.25 % (base rate))


SBI Housing Loan


This scheme helps the customer in receiving easy loan facility in order to build that fantastic house he/she ever dreamed of.


There are four types of categories available under this scheme: Let us have a look.


EASY HOME LOAN

ADVANTAGE HOME LOAN

PREMIUM HOME LOAN – I

PREMIUM HOME LOAN – II


Let us have a look at the distinctive features available in each of these different categories:


Home Loan Type

Minimum Loan Amount (INR)

Maximum Loan Amount (INR)

Interest Rate

Processing Fee
(INR)

Easy

Up to 30,00,000/-

8.75% P.A. (1st year)
9.50% P.A.(2nd & 3rd year)
9.75% P.A. (4th year onwards)

1,000/- for < 5,00,000
2,000/- for > 5,00,000/- & < 10,00,000/-
5,000/- for > 10,00,000/- & < 20,00,000/-
7,000/- for > 20,00,000/- & < 30,00,000/-

Advantage

Above 30,00,000/-

75,00,00/-

8.75% P.A. (1st year)
9.50% P.A.(2nd & 3rd year)
10.00% P.A. (4th year onwards)

7,000/- for > 30,00,000/- & < 50,00,000/-
8,000/- for > 50,00,000/- & < 75,00,000/-

Premium-I

Above 75,00,00/

5,00,00,000/-

10% P.A.

8,000/- for < 1,00,00,000/-
10,000/- for >1,00,00,000/- & < 5,00,00,000/-

Premium-II

Above 5,00,00,000/-

As per circumstance and condition

10.25% P.A.

20,000/-


Loan against Shares & Debentures


This type of loan scheme can be availed against the shares, bonds, debenture or any other government security policies you are currently holding. A maximum loan of 20, 00,000/- INR can be availed from the SBI branches. The interest rate is 14.75% P.A. The EMI is for a period of thirty months.


However, only fifty selected city branches have this facility to avail. The cities where this facility can be availed are Ahmedabad, Baroda, Surat, Gandhinagar, Rajkot, Bangalore, Mysore, Bhopal, Indore, Jabalpur, Raipur, Gwalior, Bhubaneswar, Cuttack, Sambalpur, Chandigarh, Jalandhar, Ludhiana, Amritsar, Chennai, Coimbatore, Tirupur, Guwahati, Shillong, Hyderabad, Visakhapatnam, Karimnagar, Tirupati, Kolkata, Siliguri, Asansol (Bardhhaman), Lucknow, Varanasi, Kanpur, Allahabad, Mumbai, Pune, Panjim, Aurangabad, Nagpur, New Delhi, Jaipur, Agra, Udaipur, Patna, Ranchi, Bhagalpur, Thiruvananthapuram, & Cochin.


SBI Car Loan


How about purchasing that extravagant vehicle? Having financial problem? Don’t worry as the SBI CAR LOAN is there to help you out. Have a look at the different schemes available under this category:


Car Loan Type

Loan Amount (INR)

Interest Rate

Repayment Time

EZEE

Less than 5,00,000/-

9.25% P.A. (1st year)
10.25% P.A.(2nd & 3rd year)
11.25% P.A. (4th year onwards)

7 years

ADVANTAGE

5,00,000/- & above

9.25% P.A. (1st year)
10.25% P.A.(2nd & 3rd year)
11.00% P.A. (4th year onwards)

7 years


SBI Educational Loan


This scheme can be availed for higher studies. However, the customer needs to produce before the bank suitable proof of education. Let us have a look at the interest rates. The maximum loan amount that is provided to students studying in India is 10, 00,000/- INR while those studying abroad is 20, 00,000/- INR.


Loan Amount (INR)

Interest Rates

Repayment Time

Up to 4,00,000/-

12.00% P.A.

5-7 years

Above 4,00,000/- & < 7,50,000/-

13.50% P.A.

5-7 years

Above 7,50,000/-

12.50% P.A.

5-7 years


SBI Personal Loan


This scheme can be availed by any customer who is a salaried professional of good stature. The self- employed doctor, engineer, architect, etc. can also avail this scheme after providing suitable proof of annual income policy. The minimum loan amount that can be availed by people residing at metro and urban places is 24,000/- INR while the amount is 10,000/- for rural and semi-urban places. The interest rate is 16.75% P.A. and the net amount is repayable in 48 easy monthly installments.


For more information, visit the SBI website or rush to the nearest SBI branch.


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1. sumit kapoor (sumitkapoor56@gmail.com) posted this comment on Jan 5, 2013 at 11:48
I want to purchase a land. Please tell me the best option that is available in the market.


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2. Sandeep Bharti (bigb_jpi@yahoo.co.uk) posted this comment on Dec 26, 2012 at 11:34
I want to purchase a built shop on loan. Please suggest me the best loan option available in the market.


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3. ashfaque ahmed (ashfaque.ahmed2012@gmail.com) posted this comment on Feb 9, 2013 at 06:13
My account his there sbi bank.I want personal loan available


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4. ved prakash (mummypapa1988@gmail.com) posted this comment on Feb 9, 2013 at 03:10
Dear Sir, I want to take loan for my sister marriage in minimum interest and minimum installment so please mail me interest rates and intallments on my e-mail id. Regards Ved Prakash


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5. debraj chakraborty (debraj.chakraborty007@gmail.com) posted this comment on Feb 4, 2013 at 06:53
i want to modify my home which is my mothers poperty... so is there any facilities to avail loan other than personal and mortgage loan.


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6. kunji lal meena (klmeena12@gmail.com) posted this comment on Mar 9, 2013 at 04:52
Dear sir I want to take personal loan please give me suggestion. I am a govt. employee


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7. virender singh (viragill.2011@rediffmail.com) posted this comment on Jan 28, 2013 at 03:43
i need mortgage loan on my agriculture land in punjab which is cost of 1.5 cr i need loan is of 7lakh ilives in nasik maharashtra please contact me soon


Warning: strtotime() [function.strtotime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

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8. Snigdha Karmakar (karmakar.snigdha20@gmail.com) posted this comment on May 8, 2013 at 00:30
I want to buy a scooty on SBI Bank loan. What are the current interest rates ?


Warning: strtotime() [function.strtotime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

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Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485
9. Minku (minku89872@gmail.com) posted this comment on Apr 23, 2013 at 02:06
I am looking for sbi loan calculator. You had it earlier as well. Please add back that...


Warning: strtotime() [function.strtotime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

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Warning: strtotime() [function.strtotime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485
10. lanuinla ao (lanulajamir33@gmail.com) posted this comment on Apr 19, 2013 at 23:33
Can you please mail me information on latest or upcoming personal loan schemes...I m a govt teacher in nagaland....thanks in advance.


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Warning: strtotime() [function.strtotime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485
11. Rajib Das (rajibdcpt@rediffmail.com) posted this comment on May 2, 2013 at 03:57
I have a commercial plot at Guwahati. I want to Construct a Commercial Complex on it and for this i want Loan from SBI in Guwahati. Please suggest me what to do.


Warning: strtotime() [function.strtotime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

Warning: strtotime() [function.strtotime]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485

Warning: date() [function.date]: It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'America/New_York' for 'EDT/-4.0/DST' instead in /home/indiahou/public_html/sbi-bank/loans.html on line 485
12. abhinav (abhinav8922@gmail.com) posted this comment on Apr 18, 2013 at 05:50
Can you please mail me information on latest sbi loans schemes.. Thanks in advance..