SBI RTXC Personal Loan

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SBI RTXC Loan (Real Time Xpress Credit) is a pre-approved loan offer available to SBI salary account customers. The loan application process is fully digital. The RTXC loan can be applied for through the YONO SBI app at any time. Customers can apply for a loan of up to ₹35 lakh, subject to eligibility and income.

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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
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: 28 March 2026

What is an SBI RTXC Loan?

SBI RTXC Loan is a digital personal loan offered by SBI to customers with an SBI Salary Package Account. The loan process is fully digital, with quick approval and faster disbursal through YONO SBI. Eligible customers can apply for the loan at any time.

What are the Features of the SBI RTXC Loan?

Features of the SBI RTXC Loan in SBI are mentioned below:

  • Fully digitised loan journey for SBI Salary Package Account customers.
  • The loan is available 24×7, so you can apply anytime.
  • Instant SBI personal loan sanction through YONO app.
  • Aadhaar OTP-based e-sign facility for quick approvals.
  • Step-by-step guided updates through email and SMS.
  • Digital loan documentation, including application, agreement, stamping and signature in DDE-enabled States and UTs.
  • Instant SBI RTXC loan disbursement after approval.
  • Available in two modes on YONO SBI: Digital Document Execution and Non-DDE mode.

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Festive Offer RTXC Loan in SBI

SBI is currently running a Festive Dhamaka offer where you can get a zero processing fee on the SBI RTXC loan until 31st January 2026, so it may be a good time to apply and save on additional charges.

What is the Interest Rate for the SBI RTXC Loan?

The SBI RTXC loan interest rate varies by borrower. It mainly depends on where you work and which RTXC category you fall under. Here are the SBI RTXC loan interest rates according to categories:

RTXC Category or Applicant Profile Expected Interest Rate Range
RTXC Elite Around 11.15% to 11.90% per annum
Defence and CAPF, including the Indian Coast Guard 11.15% to 12.65% per annum
Central Govt, State Govt, Police, Railways, CPSE 11.30% to 13.80% per annum
Other Corporate Employees 12.30% to 14.30% per annum
General RTXC overall range Around 11.45% to 14.60% per annum

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

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What are the Processing fees & Charges for the RTXC SBI Loan?

The processing fees & charges that can be levied in the RTXC loan are mentioned below in the table:

Charges Type How it is charged
Processing Fee Up to 1.50% of the SBI RTXC loan amount plus GST. Minimum fee is ₹1,000 and maximum fee is ₹15,000
Penal Charges if the loan becomes irregular, up to 60 days 2.40% per annum on the irregular amount for the period it remains irregular
Penal Charges if the loan remains irregular beyond 60 days 5% per annum on the outstanding amount for the period it remains irregular

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

What are the Eligibility Criteria for the SBI RTXC Loan?

The eligibility criteria for the SBI RTXC loan are given below:

  • The customer must be salaried and maintain an SBI Salary Package Account.
  • The minimum net monthly income should be ₹25,000.
  • The minimum loan amount available is ₹1 lakh.
  • The maximum loan amount that a customer can get is ₹35 lakh, which is based on an EMI to NMI ratio up to 65% and 30 times NMI, whichever is lower. You can easily compute your monthly instalments using an SBI personal loan EMI calculator.

What are the Terms & Conditions for the SBI RTXC Loan?

Terms & conditions for the SBI RTXC loan are given below:

  • Loan tenure ranges from 6 months to 72 months.
  • The loan is repaid through monthly EMIs.
  • EMI Standing Instruction (SI) is automatically set on your SBI Salary Package Account.
  • You can close or pre-close the loan through your home branch or using the app or portal, after clearing the remaining dues.

How to Apply Online for the SBI RTXC Loan?

The online application process for SBI RTXC is quick via YONO or SBI Internet Banking. Below are the steps given to apply for the loan online:

  • Open the YONO app or log in to SBI Internet Banking.
  • Look for the pre-approved personal loan option or banner and select it.
  • Enter your PAN and date of birth to validate your profile.
  • Pick the loan amount you need and choose the tenure you are comfortable with.
  • Confirm using the OTP, and the money will be credited to the account after successful verification.

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Frequently Asked Questions (FAQs)

What is the minimum and maximum loan tenure for the SBI RTXC Loan?

The minimum loan tenure for the SBI RTXC loan is 6 months, and the maximum tenure is 72 months.

What is the minimum and maximum loan amount under the SBI RTXC Loan scheme?

The minimum and maximum loan amount under the SBI RTXC loan scheme is from ₹1 lakh to ₹35 lakh.

What should be the minimum monthly salary to apply for the SBI RTXC Loan?

The minimum salary to apply for the SBI RTXC loan is ₹25,000.

What is the SBI RTXC Loan customer care number?

For SBI RTXC loan-related support, there is a dedicated customer care page. You can also contact the SBI Contact Centre at toll-free numbers 1800-1234 and 1800-2100 for assistance.

For what purposes can I avail this loan?

The loan can be availed for genuine personal needs such as medical emergencies, marriage, home renovation, vacations, etc.

Who is eligible for Real Time Xpress Credit (RTXC)?

RTXC is available to existing SBI salary account holders, including eligible government, defence, and salary package customers, subject to SBI rules and the minimum required salary.

How do I know that I am eligible for RTXC?

If you hold an SBI salary package account and meet the income requirement, you can check your eligibility directly on the YONO SBI app or the online website.

Is there any processing fee for availing this loan?

Yes, there is a processing fee on this loan, which depends on the eligibility. The processing fee ranges from 0% to 1.50% + GST (maximum ₹15,000 + GST).

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