SBI XPRESS CREDIT LOAN FOR GOVT EMPLOYEE. SBI XPRESS CREDIT LAON WITHOUT ANY DOCUMENTS.

SBI XPRESS CREDIT LOAN FOR GOVT EMPLOYEE. SBI XPRESS CREDIT LAON WITHOUT ANY DOCUMENTS.
SBI XPRESS CREDIT LOAN FOR GOVT EMPLOYEE. SBI XPRESS CREDIT LAON WITHOUT ANY DOCUMENTS. 

SBI XPRESS PERSONNEL LOAN: 

                                                                                       नई दिल्ली २२ मार्च २०२०: दोस्तों जैसा की आप लोग जानते हैं की कभी न कभी हमरे पैसो की जरुरत पड़ती और इसको पूरा करने के लिए हमें कहीं से भी पैसे की पूर्ति करनी पड़ती है और अपनी जरुरत को पूरा करते हैं।  आज के समय में अगर पैसा उधार लेना हो तो,अगर आपका सैलरी अकाउंट है तो हम सबसे ज्यादा पर्सनेल लोन को ही प्राथमिकता देते हैं क्योकि पर्सनेल लोन सस्ता और आसानी से मिल जाता है लेकिन आपने पहले नोट किया होगा की २० नवंबर २०१९ से पहले अगर हमें बैंक से पर्सनेल लोन की जरुरत होती तो बैंक को बहुत सरे डॉक्यूमेंन्ट देने पड़ते थे और सबसे जरुरी डाक्यूमेंट्स xpress credit note  को बैंक में जमा करना पड़ता था जो की हमारा डिपार्टमेंट यानि की जिस भी जगह पर नौकरी करते हैं ,यानि एम्प्लॉयेर क्रेडिट नॉट पर हस्ताक्षर करता था तभी SBI बैंक XPRESS क्रेडिट लोन को पास करता था और इस चक्कर से बचने के लिए हम पर्सनेल लोन को लेते ही नहीं थे।  

SBI XPERSS LOAN NEW RULE:

                                                                After receiving several application from lots of govt employees,SBI has changed their policy regarding issuing of XPRESS CREDIT PERSONNEL LAON from 20 Nov 2019. SBI has declared that no need of credit note in case of Personal loan for GOVT EMPLOYEE. If you have a salary account and urgent need of money,you can get personal loan from SBI within 1 hrs without any CREDIT NOTE. but SBI offered this facility for below account holder. please check that your account also from this category.
1. DEFENCE FORCES SALARY ACCOUNT
2. PARAMILITARY SALARY SAVING ACCOUNT
3. SBI CENTRAL GOVT SALARY SAVING ACCOUNT
4. SBI STATE GOVT SALARY SAVING ACCOUNT
5.SBI POLICE FORCE SALARY ACCOUNT
6.SBI INDIAN RAILWAY SALARY ACCOUNT
7.SBI INDIAN COAST GUARD SALARY ACCOUNT
8.SBI CORPORATE SALARY SAVING ACCOUNT
Click here to check that your account is converted in salary account or not. 

SBI XPRESS LAON NEW DOCUMENTS:

                                                                  SBI has been declared that for personnel loan these following documents are required for personal loan.
1. AADHAR CARD
2. PAN CARD
3. GOVT ID CARD/YOUR DEPARTMENT ID CARD
4. LAST SIX MONTHS SALARY SLIP
5. LAST SIX MONTHS BANK STATEMENTS
6. TWO YEARS INCOME TAX RETURN CERTIFICATE
7. ONE PASSPORT SIZE PHOTO
8. TWO GOVT STAMP WITH AMOUNT 100 RS(TWO STAMP PAPER EACH AMOUNT 100)
9. SIX BLANK CHEQUE SIGNED BY ACCOUNT HOLDER 

SBI XPRESS LOAN ELIGIBILITY:

  • Individuals with Salary Account with SBI.
  • Minimum monthly income Rs. 15000/.
  • EMI/NMI Ratio less than 50%.
  • Employees working with
    • Central/ state/ quasi government,
    • Central PSUS and profit making state PSUS,
    • Educational institutions of national repute,
    • Selected corporates with or without relationship with the bank.
      • Term Loans Amount
        • Minimum Loan Amount – Rs. 25,000
        • Maximum Loan Amount – Rs. 20 lakhs / 24 times NMI
      • Overdraft Loans Amount
        • Minimum Loan Amount – 5 lakhs
        • Maximum Loan Amount – Rs. 20 lakhs / 24 times NMI
        • Second Loan is eligible any time after disbursement of first loan, subject to the overall EMI/NMI ratio of 50%.
        • Second Loan is eligible only on regular EMI repayments of the first loan
                                                APPLY ONLINE HERE 

SBI XPRESS LOAN INTEREST RATE:

A. For Defence/ Para-Military/ Indian Coast Guard Salary Package Applicants

Rate of Interest : 11.35% - 11.85%

B. For Other Applicants:

Rate of Interest : 11.35% - 13.35%

Repayment of PERSONAL LAON:

                                According to borrower financial condition, personal loan can repay repaid in 72 equated monthly instalment ---------- rupees. 
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