SBI Personal Loan of 50000

  • Personal Loan By Profession
  • Personal Loan By Other
  • Personal Loan By Scheme
  • Personal Loan By Amount

An SBI personal loan of ₹50,000 is intended for small financial needs, such as medical expenses or urgent household costs. The loan does not need any security. Applicants can check eligibility and submit a request online.

Get in Touch for Personal Loan Expert Advice
Connect with our Personal Loan Advisor Now!
  • Personalized Personal Loan solutions
  • Expert guidance
  • Application assistance
  • Credit score discussion
  • Personal Loan Interest rate comparison
+91
Choose City

Terms and Conditions

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
Shubham Sandhu
Shubham Sandhu
Shubham is a finance writer specialising in home loans, investment advice, and personal money management. He explains financial matters clearly and straightforwardly, helping readers make better financial decisions. His aim is to make financial topics simple, practical, and easy to understand.
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: 7 February 2026

Get a Rs. 50,000 Personal Loan in Minutes

Apply online with quick approval, flexible tenure, and competitive interest rates.

Apply Now

What is an SBI Personal Loan of ₹50,000?

A State Bank of India personal loan of ₹50,000 is a small unsecured loan offered to meet short-term personal expenses. It does not require any collateral and is given based on eligibility.

  • The loan amount is ₹50,000 and is meant for personal use
  • No asset or guarantor is required to apply
  • The repayment is done through fixed monthly instalments
  • Interest and tenure depend on the applicant’s profile and bank rules

What are the Key Features of the SBI Personal Loan of ₹50,000?

Below are the key features of the SBI personal loan:

Feature Details
Loan amount Up to ₹50,000
Loan type Unsecured personal loan
Collateral Not required
Usage Personal expenses
Repayment method Monthly instalments
Interest rate 10.05% – 15.05% per annum
Application mode Netbanking, Yono App, or Branch

Disclaimer: SBI personal loan interest rates & charges are subject to change and depend on the bank’s policy.

SBI ₹50,000 Personal Loan EMI Up to 5 Years

The table below shows the EMI breakdown of an SBI personal loan of ₹50,000 for 5 years. The interest rate used is 10.25%:

Year Principal Interest Total Payment Balance
1 ₹643 ₹423 ₹1,066 ₹49,357
2 ₹711 ₹355 ₹1,066 ₹41,201
3 ₹787 ₹279 ₹1,066 ₹32,177
4 ₹871 ₹195 ₹1,066 ₹22,195
5 ₹964 ₹102 ₹1,066 ₹11,152

Note: The figures mentioned above are for illustration only. The actual EMI and interest savings may vary based on the lender’s policies, the method used to calculate interest, and the way prepayments are adjusted. You can also use SBI personal loan EMI calculator to calculate the monthly instalments.

Get a Rs. 50,000 Personal Loan in Minutes

Apply online with quick approval, flexible tenure, and competitive interest rates.

Apply Now

Comparing SBI Personal Loan Interest Rates With Other Banks and NBFCs

SBI personal Loan of 50,000: interest rate ranges from 10.05% to 15.05%. Interest rates for other banks and NBFCs are given below:

Bank Name Interest Rate (p.a.)
ICICI Bank 10.45% – 16.5%
TATA Capital 10.99% – 29.99%
Kotak Mahindra Bank 10.99%
Axis Bank 9.5% – 21.55%

Disclaimer: Interest rates are subject to change and may vary depending on the bank’s policy.

What are the Fees and Charges for an SBI Personal Loan ₹50,000?

The fees and charges for the personal loan of ₹50,000 from SBI are mentioned below in the table:

Fee or Charge Details
Processing fee Up to 1.50 % (Min. ₹1,000 – Max. ₹15,000)+GST
Defence employees/Platinum Customer Processing Fee Full fee waiver
Govt. employees Processing Fee 50 % waiver
High CIBIL score Processing Fee 50 % waiver
Penal charge up to 60 days 2.40 % yearly
Penal charge after 60 days 5 % yearly
Tenure 6 months to 84 months
Prepayment charge 2% amount
Prepayment waiver defence After 6 months
Prepayment waiver govt After 3 years
Annual maintenance Not applicable

Disclaimer: Interest rates & charges are subject to change and depend on the bank’s policy.

What are the Documents Required for an SBI Personal Loan of ₹50,000?

The documents required to apply for an SBI personal loan online of ₹50,000 are given below:

Document Type Requirement
Application form With photograph
PAN card Mandatory
Identity proof Any valid OVD
Salary slips Last 6 months
ITR or Form 16 If applicable
Salary statement Last 6 months

What are the Eligibility Criteria for an SBI Personal Loan of ₹50,000?

Eligibility criteria for an SBI personal loan of ₹50,000 are mentioned below:

  • The applicant must work in the government, defence, or corporate sector
  • A salary package account with SBI is required.
  • The minimum service requirement should be 6 months for government or defence employees.
  • The minimum service requirement should be 12 months for corporate employees.
  • The applicant’s age should be between 21 and 60 years.
  • Minimum monthly salary should be ₹20,000 for government or defence employees.
  • The minimum monthly salary for corporate employees should be ₹25,000.
  • The applicant must be an Indian national.
  • A decent credit score is required as per SBI norms.

Get a Rs. 50,000 Personal Loan in Minutes

Apply online with quick approval, flexible tenure, and competitive interest rates.

Apply Now

Frequently Asked Question (FAQs)

What is the monthly interest rate applicable to a ₹50,000 personal loan from SBI?

The interest rate depends on the applicant’s profile and SBI rules. Current SBI personal loan interest rates range from 10.05% to 15.05%.

Is it possible to obtain a ₹50,000 personal loan from SBI?

Yes, eligible salaried employees can apply for a sbi personal loan up to ₹50000 if they meet SBI eligibility conditions.

How can one secure a ₹50,000 personal loan from SBI without a salary slip?

Salary slips are usually required. Applicants with an SBI salary account may be considered based on salary credits in their account statement.

Salary slips are usually required. Applicants with an SBI salary account may be considered based on salary credits in their account statement. What is the recommended CIBIL score for ₹50,000 personal loans from SBI?

An SBI prefers applicants with a decent credit score, per its internal policy, of 700 or higher. A higher score improves approval chances.

SBI prefers applicants with a decent credit score, per its internal policy, of 700 or higher. A higher score improves approval chances. Is collateral required for an SBI ₹50,000 personal loan?

No, An SBI 50000 personal loan is unsecured and does not require any security.

No, the sbi 50000 personal loan is unsecured and does not require any security. What is the repayment period for an SBI personal loan of ₹50,000?

The repayment period ranges from 6 months to 7 years, depending on eligibility.

Quick Links

Loan Offers By State Bank Of India's

Personal Loan by Nationalized Bank

Personal Loan by Private Bank

Personal Loan by NBFC

Personal Loan Calculators

State Bank Of India Calculators

Urban Money

Products & Offers

Loans

Tools & Calculators

Calculator

CIBIL Score

Credit Score

Credit Cards

Credit Cards
Become a Partner

Disclaimer:

The website may provide information about various loan products, insurance products, credit scores & links to other websites or resources over which urbanmoney.com does not have control as such information & links are received from the Banks, NBFCs, Insurance companies & credit rating agencies. Users of this website acknowledge that urbanmoney.com is providing these information & links only as a convenience, and further agree that urbanmoney.com is not responsible for the veracity of such information. Please note that users are advised to independently verify the information & do other requisite due diligence before making any decision and that urbanmoney.com nor its employees, partners, and associated staff are not accountable for any loss, harm, or damage due to usage of information from this website.  And further that user’s use of links to such external websites are subject to the terms of use and privacy policies located on those sites.

© 2026 www.urbanmoney.com. All rights reserved.