Generated from prompt:
Create a modern SBI Personal Loan presentation with 10-12 slides using a blue and white gradient theme. Include the following sections: Title, About SBI Personal Loans, Eligibility Overview, Eligibility Conditions (Salary Account, CIBIL Score, Minimum Salary), Types of Loans (Term and Overdraft), Common Conditions (age, tenure, salary), Prepayment & Foreclosure Rules, Single Loan Policy, Loan Amount & Repayment Capacity, and a Closing Slide. The tone should be professional and clean, suitable for customer awareness and marketing.
Comprehensive overview of SBI Personal Loans covering features, eligibility (min ₹25K salary, CIBIL >750), types (Term/Overdraft), conditions, prepayment rules, single loan policy, and loan capacities
The slide's title is "SBI Personal Loans." Its subtitle promotes discovering flexible options with low rates and quick approval.
Discover Flexible Options with Low Rates & Quick Approval
Source: Discover SBI's flexible personal loan options. Low rates, quick approval. Professional guide for smart borrowing. #SBILoans
This slide presents the agenda for an SBI Loans presentation, starting with an overview of personal loan products and benefits. It then covers eligibility requirements, loan types and conditions, key policies and capacity limits, followed by a closing summary.
Overview of personal loan products and benefits.
Key requirements like salary, CIBIL, and accounts.
Term, overdraft loans, age, tenure, and terms.
Prepayment rules, single loan, amount limits.
Final remarks and contact information. Source: SBI Personal Loan Presentation
SBI, India's largest bank for personal loans, offers rates starting from 10.5% p.a. with amounts up to ₹20 lakhs. Loans have a 1-8 year tenure and suit any personal need.
Eligibility requires salaried individuals earning at least ₹25K/month, CIBIL score >750, and age 21-60 years. Existing SBI customers are preferred, with a quick online application process.
The slide lists eligibility conditions in a table format. It requires a preferred SBI salary account holder status, CIBIL score of 750+, and minimum salary of ₹25,000 per month.
{ "headers": [ "Condition", "Details" ], "rows": [ [ "Salary Acct", "Preferred SBI acct holder" ], [ "CIBIL Score", "750+" ], [ "Min Salary", "₹25,000 pm" ] ] }
Term Loans provide fixed EMIs with bullet repayment at maturity, offering predictable cash flows for one-time needs like home renovation or education. Overdrafts allow flexible drawdowns up to a limit with interest only on utilized amounts, ideal for ongoing needs like business working capital or emergency funds.
| Term Loan | Overdraft |
|---|---|
| Fixed Equated Monthly Installments (EMI) with bullet repayment option at maturity. Offers predictable cash flows and structured repayment, ideal for one-time personal needs like home renovation or education. | Revolving credit line allowing flexible drawdowns up to sanctioned limit. Interest charged only on utilized amount, not the full limit. Suited for ongoing needs like business working capital or emergency funds. |
The slide lists common conditions: age 21-60 years, tenure up to 72 months, and minimum salary of ₹25K in metros or ₹15K elsewhere. It also specifies an optional co-applicant and documentation needs of KYC plus salary slips.
Prepayment is allowed after 6 EMIs, with nil charges after 12 months. Foreclosure up to 100% is permitted after 12 EMIs, with no penalties for select schemes.
The Single Loan Policy permits only one active personal loan at a time, with no multiple personal loans allowed. Top-ups are available on existing loans, and switching to an overdraft facility is possible.
The slide outlines a maximum loan amount of ₹20 Lakhs and a repayment capacity of 60% of net take-home salary. It includes a sample monthly EMI of ₹13K for a ₹5L loan at 10.5% over 5 years.
Of net take-home salary
₹5L @10.5% over 5 years
The "Thank You!" conclusion slide thanks the audience for their attention and prompts applying for an SBI personal loan at sbi.co.in/personal-loan. It provides contact options for questions (branch visit or 1800-11-2211) and advises to borrow wisely with a call-to-action subtitle.
Thank you for your attention!
Apply now at sbi.co.in/personal-loan. Questions? Visit branch or call 1800-11-2211. Borrow wisely! 💙 #SBIPersonalLoan
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