Digital Lending - Personal Banking
Digital Lending
- What is Digital Lending?
Digital Lending is a remote and automated lending process, largely by use of seamless digital technologies for customer acquisition, credit assessment, loan approval, disbursement, recovery, and associated customer service. - Is our Bank compliant with the Digital Lending guidelines ?
State Bank of India complies with the applicable Digital Lending Directives issued by RBI from time to time. - Channels on which these Digital Lending products are offered?
State Bank of India is offering Digital Lending Services through its following channels/Apps/Platforms:- i. YONO SBI App (ios & android)
- ii. YONO Business SBI App (ios & android)
- iii. Retail Internet Banking Platform (RINB)
- iv. Corporate Internet Banking Platform (CINB)
- Our customers can avail loans / initiate loan requests through above digital Channels/Apps/platforms, subject to the applicable terms & conditions.
More information:
1. Product information relating to retail digital loans:
- Loan against Mutual Fund
- Insta Home Top up loans
- Real time Xpress Credit (RTXC)
- Pre-Approved Personal Loans (PAPL)
- Loan Against Bank Deposit
2. Grievance Redressal related information:
- RBI Integrated Ombudsman Scheme
- RBI Sachet Portal
- Internal Ombudsman Scheme
- Principal Nodal Officer
- Grievance Redressal Cell
3. List and contact details of Bank empaneled recovery /resolution agents
Last Updated On : Friday, 22-08-2025

Interest Rates
6.00% p.a.
for loan amount up to Rs. 2 lacs
8.15% p.a.
for loan amount > Rs. 2 lacs up to Rs. 6 lacs
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Criteria
- Features
- Eligibility
- Terms and Conditions

Interest Rates
6.00% p.a.
for loan amount up to Rs. 2 lacs
8.15% p.a.
for loan amount > Rs. 2 lacs up to Rs. 6 lacs