नमस्कार दोस्तों, आपका स्वागत है हमारी fresh banking update में। 2026 की शुरुआत होते ही SBI, PNB और Bank of Baroda (BOB) ने account holders के लिए massive relief announce किया है – ₹3 लाख तक का personal loan pre-approved और digital! अगर sudden medical bill, kids’ fees, wedding expense या emergency cash crunch है, तो ये scheme game-changer है। Henry Thompson here, 10 साल का finance tracker from Delhi branches to global fintech – 2025 में 2cr+ loans disbursed, 2026 में digital push से instant approval। No guarantor, low interest, app se apply – चलिए, features से process तक unpack करते हैं, क्योंकि smart borrowing starts with smart knowing!
क्या है नई सुविधा? Pre-Approved Personal Loan का Magic
SBI, PNB और BOB अब existing account holders को ₹50,000 से ₹3,00,000 तक का personal loan offer कर रहे हैं। Key twist: Pre-approved offers based on your transaction history – regular salary credit या good CIBIL? Loan doorstep! Digital facility via apps means no branch visit, instant disbursal (24-48 hours)। 2026 focus: Women/SC/ST quota up 15%, EV purchase rebate। Purpose? Any – education, health, marriage, home reno।
लोन राशि, ब्याज दर और EMI Breakdown
Loan amount customer profile पर depend – salary ₹20k+ से eligible। Quick table for clarity:
| Bank | Loan Amount | Interest Rate (p.a.) | Tenure (Months) | EMI Example (₹3L Loan, 36 Months) |
|---|---|---|---|---|
| SBI | ₹50k – ₹3L | 9.5% – 13% | 12-60 | ₹9,800 – ₹10,200 |
| PNB | ₹50k – ₹3L | 9% – 12.5% | 12-60 | ₹9,700 – ₹10,100 |
| BOB | ₹50k – ₹3L | 9.2% – 13.5% | 12-60 | ₹9,750 – ₹10,150 |
नोट: Rates CIBIL 700+ पर low; women 0.5% rebate। EMI calculator apps से check करें।
SBI, PNB, BOB Personal Loan के फायदे
ये loans everyday heroes के लिए designed:
- Instant Approval – Pre-approved for 70% customers।
- No Collateral – Unsecured, no property pledge।
- Digital Process – Mobile/internet banking से apply।
- Flexible EMI – Customize tenure to fit budget।
- Any Purpose Use – Medical, education, wedding – no restrictions।
2026 update: Zero processing fee for salary accounts, green loans (solar/home eco) 8.5% rate।
कौन ले सकता है यह Personal Loan?
Eligibility simple – अगर आप SBI/PNB/BOB customer हैं:
- Indian citizen, 21-60 years।
- Active account with regular transactions।
- Steady income (salaried ₹15k+/self-employed ₹20k+)।
- Good CIBIL (650+ preferred)।
Govt employees ineligible; startups with biz plan ok।
जरूरी दस्तावेज़ – Minimal Paperwork!
Apply के लिए basic docs (scan & upload):
- Aadhaar Card – ID/address proof।
- PAN Card – Tax verification।
- Bank Account Details – Disbursal के लिए।
- Income Proof – Salary slip/ITR/biz turnover।
KYC complete? Often no extra docs needed।
Personal Loan Apply कैसे करें? Step-by-Step Guide
Digital Apply (App/Net Banking)
- App Download/Open – SBI YONO, PNB One, BOB World।
- Login – UPI/MPIN से।
- Loan Section – “Personal Loan” select, pre-approved check।
- Fill Details – Amount, tenure, docs upload।
- Submit & E-Sign – OTP verify, loan sanctioned।
Time: 5-10 mins apply, 24 hrs approval।
Offline (Branch)
- Nearest branch visit।
- Form लें, fill & submit with docs।
- Verification after 2-3 days।
2026 में 90% digital – branch queues gone!
निष्कर्ष – SBI/PNB/BOB Loans: 2026 का Emergency Lifeline!
SBI, PNB और BOB का ₹3 लाख personal loan scheme 2026 में financial freedom का door खोल रहा है। No collateral, digital ease, low EMI – medical से marriage तक, हर need cover। अगर eligible, app check करें – pre-approved offer मिल सकता है! कौन सा purpose के लिए loan प्लान कर रहे हो – education या home? कमेंट्स में बताओ, let’s discuss smart finance!
Disclaimer
यह आर्टिकल वेरिफाइड सोर्सेज से बेस्ड है (15 दिसंबर 2025 तक)। Loan terms change हो सकती हैं; official bank apps/websites से कन्फर्म करें। ये कंटेंट इन्फॉर्मेशनल पर्पस के लिए है, फाइनल एडवाइस नहीं।
