Our Services
Everything you need to bank confidently — from opening an account to managing loans and digital payments, Saathi guides you every step of the way.
Account Opening
Zero Balance AvailableOpen your SBI bank account quickly and easily — with zero paperwork stress. Saathi guides you through every step in your language.
Key Features
- Savings & Current account options
- Zero balance account (PMJDY) available
- Paperless KYC with Aadhaar & PAN
- Instant account number generation
- Free debit card with new account
How to Apply
- 1Choose the type of account you need
- 2Keep Aadhaar, PAN & passport photo ready
- 3Visit nearest SBI branch or apply online
- 4Complete KYC verification
- 5Account activated within 24 hours
Savings Account
Up to 2.70% p.a.Grow your money safely with SBI Savings Account — India's most trusted savings option for individuals and families.
Key Features
- Interest up to 2.70% per annum
- Free internet & mobile banking
- Free YONO app access
- Nomination facility available
- Auto-sweep to Fixed Deposit option
How to Apply
- 1Decide between Regular or Basic Savings account
- 2Arrange ID proof, address proof & photo
- 3Fill account opening form (online/offline)
- 4Submit documents at branch or via YONO
- 5Activate net banking & get debit card
Fixed Deposit
Up to 7.10% p.a.Earn guaranteed higher returns with SBI Fixed Deposits — flexible tenures from 7 days to 10 years with safe, assured interest.
Key Features
- Interest up to 7.10% p.a. (senior citizens get 0.50% extra)
- Flexible tenure: 7 days to 10 years
- Premature withdrawal allowed
- Loan against FD facility
- Tax-saving FD (5-year lock-in) available
How to Apply
- 1Log in to YONO or visit your SBI branch
- 2Select FD amount (min ₹1,000)
- 3Choose tenure and interest payout option
- 4Confirm and get FD receipt instantly
- 5Auto-renewal option available at maturity
Personal Loan
From 10.90% p.a.Meet your personal financial needs — medical emergencies, weddings, travel or anything else — with SBI Personal Loans at competitive rates.
Key Features
- Loan amount up to ₹20 Lakhs
- Tenure up to 6 years
- No collateral required
- Minimal documentation
- Quick disbursal within 2-3 days
How to Apply
- 1Check eligibility — salaried/self-employed
- 2Keep salary slips, ITR & bank statements ready
- 3Apply online via YONO or at branch
- 4Submit documents & complete verification
- 5Loan disbursed directly to your account
Education Loan
Courses in India & AbroadFulfil your study dreams without financial worry. SBI Education Loans cover tuition, living expenses, travel and more — for India and abroad.
Key Features
- Loans up to ₹1.5 Crore for foreign education
- Up to ₹20 Lakhs for studies in India
- Covers tuition, hostel, books & travel
- Repayment starts after course + 1 year
- Interest subsidy for eligible students
How to Apply
- 1Confirm admission to a recognised institution
- 2Prepare fee structure and course details
- 3Arrange co-applicant (parent/guardian) documents
- 4Apply at SBI branch or online
- 5Loan sanctioned and disbursed per fee schedule
Home Loan
From 8.50% p.a.Own your dream home with SBI Home Loans — India's largest home loan provider with the lowest interest rates and flexible repayment options.
Key Features
- Interest starting at 8.50% p.a.
- Loan up to 90% of property value
- Tenure up to 30 years
- Balance transfer from other banks available
- No prepayment penalty (floating rate)
How to Apply
- 1Check your loan eligibility online
- 2Select property and get valuation done
- 3Submit income, property & KYC documents
- 4Loan sanction letter issued
- 5Disbursement on property registration
UPI & Digital Payments
Instant 24/7 TransfersSend, receive and pay instantly using UPI via YONO SBI. Saathi helps you set up, use and stay safe with digital payments — in your own language.
Key Features
- Instant money transfers 24/7
- Pay bills, merchants & individuals
- Set up UPI ID linked to SBI account
- BHIM SBI Pay app available
- Fraud protection tips & alerts
How to Apply
- 1Download YONO SBI or BHIM SBI Pay
- 2Register with your SBI account number
- 3Set UPI PIN using debit card details
- 4Create your UPI ID (VPA)
- 5Start sending & receiving money instantly