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SBI has launched a digital personal loan facility for its customers, allowing loans between ₹1 lakh and ₹35 lakh through the YONO app without needing to visit a bank. This service is available to SBI salary account holders, including government, defense, and private sector employees.

Loan eligibility is determined by CIBIL scores, ideally between 650 and 700. The online process includes OTP verification using Aadhaar, and funds are directly credited after e-signing. SBI offers competitive interest rates based on MCLR without hidden charges, aiming to provide accessible financial solutions for personal expenses.