SBI Personal Loan of Rs. 10000

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An SBI ₹10,000 personal loan is a small, unsecured loan available to eligible salaried and pensioner customers of State Bank of India. Interest rates start from 10% p.a., with monthly EMIs as low as ₹383 for a 30-month tenure. Depending on your profile, you may receive a pre-approved offer digitally on YONO app or apply through a branch. No collateral or guarantor is required.

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CONSENT IN RELATION TO ACCESS TO CREDIT INFORMATION THROUGH Equifax

End-user (customer)hereby consents to Loantap financial technology being appointed as your authorized representative to receive your Credit Information from Equifax on an ongoing basis until the purpose of Credit Risk Assessment. is satisfied or the expiry of 6 months from the date the consent is collected; whichever is earlier.

This End User Agreement (the “Agreement” ) is made between you (the “User” or “You” ) and Urban Money Private Limited hereinafter referred to as “URBAN MONEY ”, a private limited company having its registered office at 1st Floor, Tower A, M3M Urbana Business Park, Sector 67, near M3M Urbana, Gurugram, Haryana 122001. (“Urban Money ”, “Us” or “We”, which term shall include its successors and permitted assigns). The User and URBAN MONEY shall be collectively referred to as the “Parties” and individually as a “Party”.

Written By
Vishesh Paliwal
Vishesh Paliwal
Marketing Lead
Vishesh is a Marketing Lead with 6+ years of experience in the BFSI sector. His expertise spans insurance, home loans, personal loans, mutual funds, equity investments, and stock markets built through years of direct industry exposure, not just theory. He understands that financial decisions are deeply personal and consequential. Every insight he shares is held to a high standard of accuracy, reliability, and real-world relevance because when it comes to your money, only trustworthy, experience-backed guidance matters.
Reviewed By
Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 3 June 2026

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 no collateral or guarantor needed and is processed entirely online. The loan is credited directly to the borrower’s SBI account after digital approval.

  • Loan amount fixed at ₹10,000, offered 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 10.05% to 15% p.a. depending on your profile.
  • Approval and disbursal happen on the same day often within minutes.

SBI ₹10,000 Personal Loan Key Highlights 2026

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

Particulars Details
Loan Amount ₹10,000
Loan Type Unsecured personal loan
Eligibility Pre-approved salaried SBI customers
Interest Rate 10% – 15%
Tenure 6 months to 60 months
CIBIL Score Required 650 or above
Processing Channel YONO app (fully digital)
Collateral Not required
Disbursal Same day, directly to SBI account
Minimum Net Monthly Income ₹25,000

Note: An 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 these figures to compare how tenure and rate affect your monthly outgo

At 10.00% p.a.

Tenure Monthly EMI Total Interest Total Repayment
6 months ₹1,712 ₹272 ₹10,272
12 months ₹879 ₹545 ₹10,545
18 months ₹600 ₹801 ₹10,801
24 months ₹461 ₹1,064 ₹11,064
36 months ₹323 ₹1,614 ₹11,614
48 months ₹254 ₹2,193 ₹12,193
60 months ₹212 ₹2,748 ₹12,748

At 11.00% p.a.

Tenure Monthly EMI Total Interest Total Repayment
6 months ₹1,721 ₹323 ₹10,323
12 months ₹884 ₹606 ₹10,606
18 months ₹605 ₹893 ₹10,893
24 months ₹466 ₹1,186 ₹11,186
36 months ₹327 ₹1,783 ₹11,783
48 months ₹258 ₹2,397 ₹12,397
60 months ₹217 ₹3,020 ₹13,020

At 12.00% p.a.

Tenure Monthly EMI Total Interest Total Repayment
6 months ₹1,725 ₹350 ₹10,350
12 months ₹889 ₹666 ₹10,666
18 months ₹610 ₹984 ₹10,984
24 months ₹470 ₹1,309 ₹11,309
36 months ₹332 ₹1,953 ₹11,953
48 months ₹263 ₹2,607 ₹12,607
60 months ₹222 ₹3,293 ₹13,293

At 13.00% p.a.

Tenure Monthly EMI Total Interest Total Repayment
6 months ₹1,730 ₹378 ₹10,378
12 months ₹893 ₹723 ₹10,723
18 months ₹615 ₹1,077 ₹11,077
24 months ₹475 ₹1,434 ₹11,434
36 months ₹337 ₹2,128 ₹12,128
48 months ₹268 ₹2,823 ₹12,823
60 months ₹227 ₹3,572 ₹13,572

At 14.00% p.a.

Tenure Monthly EMI Total Interest Total Repayment
6 months ₹1,735 ₹407 ₹10,407
12 months ₹898 ₹782 ₹10,782
18 months ₹620 ₹1,170 ₹11,170
24 months ₹480 ₹1,560 ₹11,560
36 months ₹342 ₹2,306 ₹12,306
48 months ₹273 ₹3,044 ₹13,044
60 months ₹233 ₹3,860 ₹13,860

At 15.00% p.a.

Tenure Monthly EMI Total Interest Total Repayment
6 months ₹1,739 ₹436 ₹10,436
12 months ₹903 ₹834 ₹10,834
18 months ₹624 ₹1,238 ₹11,238
24 months ₹485 ₹1,641 ₹11,641
36 months ₹347 ₹2,486 ₹12,486
48 months ₹278 ₹3,270 ₹13,270
60 months ₹238 ₹4,157 ₹14,157

Note: The EMI values shown above are indicative and for reference only. Use SBI personal loan EMI calculator to get 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. You may be eligible if:

  • You are a permanent employee in the government, defence, 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. 1 year of service for corporate employees, or
  2. 6 months of service for government or defence 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. 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 New Application

Step 5: Review the loan details shown in the app

Step 6: Confirm and submit the application

Frequently Asked Questions (FAQs)

Can I apply for an SBI ₹10,000 loan without visiting a branch?

Yes. The SBI ₹10,000 personal loan is offered digitally through the YONO app. If the loan is pre-approved for your account, you can apply and complete the process fully online.

Why am I not seeing the ₹10,000 loan offer in my YONO app?

This loan is available only to selected customers. If the offer does not appear in YONO, it means you are not eligible at the moment based on SBI’s internal checks.

What is the tenure available for an SBI ₹10,000 personal loan on YONO?

The tenure varies by customer profile. In many cases, repayment options range from 6 months to 30 months.

Is the SBI ₹10,000 personal loan on YONO unsecured?

Yes. This loan does not require any collateral or guarantor. Approval is based on salary credits, account history, and eligibility shown in YONO.

How fast is the loan amount credited after approval?

Once approved through YONO, the ₹10,000 loan amount is credited directly to your SBI account, often on the same day.

Can I check EMI using an SBI ₹10,000 personal loan EMI calculator?

Yes. You can estimate monthly repayment using a ₹10,000 personal loan emi calculator SBI by entering the loan amount, tenure, and interest rate. The final EMI shown in YONO may vary slightly based on approval terms.

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