Procuring a SBI personal loan without salary slip is generally not possible. According to the official guidelines on SBI’s website, individuals applying for a personal loan must provide a minimum of 6 months’ salary slips along with 6 months’ bank account statements showing the salary credit. These documents are mandatory for income verification and assessing the borrower’s repayment capacity. The bank uses these details to evaluate eligibility, loan amount, interest rate, and EMI tenure.
Without salary proof, the bank has no standard mechanism to judge creditworthiness, especially for unsecured loans like personal loans, which are not backed by any collateral.
For salaried individuals, other required documents include identity proof, address proof, and employment verification.
Self-employed professionals and pensioners also need to submit income-related documents specific to their category. In the absence of salary slips, alternate documents like Income Tax Returns (ITRs), Form 16, or bank statements from another salary account might not suffice for an SBI personal loan.
Therefore, if you are unable to provide salary slips but still wish to avail a personal loan from SBI, the best approach is to visit your home branch or contact SBI’s customer support to explore any special provisions or alternatives.
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What is SBI Personal Loan Without Salary Slip?
ruchi
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5 months
2025-07-11T07:41:39+00:00 2025-07-11T07:41:42+00:00Comment
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