SBI Personal Loan of Rs. 10,000

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An SBI ₹10,000 loan is available through the YONO app for eligible customers. This SBI personal loan of ₹10,000 is a short-term, unsecured option with digital processing. Approval, interest rate, and tenure depend on the customer’s YONO eligibility. For customers who need funds quickly, this option is often sought as an urgent SBI personal loan of ₹10,000, since approval and disbursal happen digitally through YONO.

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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”.

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Rishabh Baisoy
Rishabh Baisoy
With a background in journalism and mass communications, Rishabh might be clueless about his plans for the evening, but he clearly knows what to write. A proud cinephile, Rishabh makes the perfect choice to discuss any movie with. Poetry holds a special place in his heart, which mingles well with his wanderlust personality. While he physically exists in India, his heart beats for the red part of Merseyside. Rishabh educates and empowers readers towards financial success at Urban Money.
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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: 1 February 2026

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What is an SBI ₹10,000 Personal Loan?

The ₹10,000 personal loan from SBI is a small, digital loan offered to select SBI customers through the YONO app. It is meant for short-term personal needs and does not require any collateral. The loan is processed online and credited directly to the borrower’s SBI account after approval.

Key points you should know:

  • The loan amount is ₹10,000, offered only through the YONO platform.
  • It is an unsecured loan, with no asset or guarantor required.
  • Availability depends on pre-approved eligibility shown in the YONO app.

What Are the Key Highlights of the SBI ₹10,000 Personal Loan?

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 SBI customers
Interest Rates Not required
Disbursal Starts from 10.05%*
Usage Short-term personal needs

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

What Is the EMI for an SBI ₹10,000 Personal Loan?

This EMI estimate is similar to what you would see in an SBI ₹10,000 personal loan EMI calculator, based on the tenure and applicable interest rate.

Loan Amount Interest Rate (p.a.) Tenure Monthly EMI Total Interest Total

Repayment
₹10,000 11.00%* 6 months ₹1,721 ₹323 ₹10,323
₹10,000 11.00%* 12 months ₹884 ₹606 ₹10,606
₹10,000 11.00%* 18 months ₹605 ₹893 ₹10,893
₹10,000 11.00%* 24 months ₹466 ₹1,186 ₹11,186
₹10,000 11.00%* 30 months ₹383 ₹1,483 ₹11,483

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.

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

Get a Rs. 10,000 Personal Loan in Minutes

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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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