SBI Personal Loan of Rs. 10000

What is an SBI ₹10,000 Personal Loan?

The SBI ₹10,000 personal loan is a small ticket, digital credit product offered exclusively through the YONO app to pre-approved salaried customers. It is unsecured, with no collateral or guarantor required, and is processed entirely online. The loan is credited directly to the borrower’s SBI account after digital approval.

• The loan amount is fixed at ₹50K – ₹35L and is available only through the YONO platform.
• Unsecured: no asset, security deposit, or guarantor required.
• Available only if a pre-approved offer appears in your YONO app.
• Interest rates range from 10% – 15% p.a. depending on your profile.
• Approval and disbursal often happen on the same day, within minutes.

SBI ₹10,000 Personal Loan Key Highlights 2026

The table below outlines the key features of the SBI Personal Loan of ₹10,000 offered via YONO.

Since SBI considers your credit profile during the approval process, a credit score check before applying can help you understand whether you are likely to meet the lender’s expectations.

Note: SBI personal loan interest rates mentioned are starting rates as per available SBI loan schemes.

SBI ₹10,000 Personal Loan EMI Table (10% to 15% p.a.)

The table below shows monthly EMI, total interest, and total repayment for a ₹10,000 loan across multiple tenures and interest rate scenarios. Use the Personal Loan EMI Calculator to test more combinations before committing to a loan amount or tenure.

At 10.00% p.a.

At 11.00% p.a.

At 12.00% p.a.

At 13.00% p.a.

At 14.00% p.a.

At 15.00% p.a.

Note: The EMI values shown above are indicative and for reference only. Use the SBI personal loan EMI calculator to obtain an estimate of the EMI amount.

Who is Eligible for an SBI ₹10,000 Personal Loan on YONO?

The SBI ₹10,000 loan on YONO is available only to pre-approved salaried customers who meet SBI’s internal criteria. Eligibility is checked digitally before the loan offer appears. Along with using the Personal Loan Eligibility Calculator, it is advisable to check your CIBIL score to better understand your credit profile before applying. You may be eligible if:

• You are a permanent employee in the government, defense, or corporate sector.
• You hold a salary account with SBI or another recognised bank.
• Your salary has been credited regularly for the last 6 months.
• Your minimum net monthly income is ₹25,000.
• You have completed at least 1 year of service for corporate employees or 6 months for government or defense employees.
• You comply with SBI’s KYC norms.

Important: If no loan offer appears in your YONO app, you are currently not eligible. SBI’s pre-approval system runs automatically; you cannot manually request this specific loan product at a branch.

What Documents are Required for an SBI ₹10,000 Personal Loan?

The SBI ₹10,000 personal loan on YONO is processed digitally. Most details are fetched from existing SBI records, so document submission is minimal. In most cases, you may need:

• PAN card (mandatory)
• Aadhaar card (for identity and address verification)
• Salary account details linked to SBI
• KYC documents, if not already updated in your SBI account

How Can You Apply for an SBI ₹10,000 Personal Loan on YONO?

Applying for the SBI ₹10,000 personal loan on YONO is fully digital and takes only a few minutes if the offer is available on your account. Before starting the application, you can perform a CIBIL score check free online by PAN number to understand your current credit standing and assess your loan eligibility. Follow these steps:

Step 1: Log in to the YONO app using your SBI credentials.

Step 2: Go to the Loans section.

Step 3: Select Personal Loan.

Step 4: Choose Resume (if you have an existing offer) or Start a New Application.

Step 5: Review the loan details shown in the app.

Step 6: Confirm and submit the application.

If you plan to repay the loan early, use the Personal Loan Prepayment Calculator to estimate interest savings. If switching to a lower-rate lender makes more sense, the Personal Loan Balance Transfer Calculator can help you evaluate the savings.