Need a personal loan? SBI’s Xpress personal loan is just a missed call or a message away

New Delhi: Country’s largest lender State Bank of India has launched an Xpress Credit Personal Loan facility for an instant loan with quick approval. Customers holding a salary account with SBI and a minimum monthly income of Rs 15,000 is eligible to apply for Xpress Credit personal loan.

In order to avail of SBI’s Xpress personal loan facility, the customer needs to give a missed call or send a message.

“All it takes is an SMS, to begin with, your personal loan process. SMS <PERSONAL> on 7208933145,” SBI said in a tweet.

In another tweet, the country’s top lender wrote, “personal loans made convenient! Give a missed call on 7208933142 and get a call bank from us.”

Features of SBI Xpress Credit Personal Loan

  • Loan up to Rs 20 lakh.
  • Low-interest rates.
  • Interest on daily reducing balance.
  • Low processing charges.
  • Minimal documentation
  • Zero hidden costs.
  • Provision for the second Loan
  • No security, no guarantor.


Individuals with salary account with SBI.
Minimum monthly income Rs15,000
Employees working with central/ state/ quasi-government, central PSUs and profit-making state PSUs, educational institutions of national repute, selected corporates with or without a relationship with the bank.

Minimum Loan Amount – Rs 25,000
Maximum Loan Amount – Rs 20 lakh

SBI Xpress Credit Personal Loan interest rate

The interest rate on this SBI loan is 9.60%

Missed Call Number

To apply for SBI Xpress Credit personal loan, give a missed call on this number- 7208933142.

SMS Number

To apply for SBI Xpress Credit personal loan, you can also send an SMS by typing PERSONAL on this number -7208933145.