Apply Real Time SBI Xpress Credit Loan by SBI YONO App
Basic requirement of customer for availing this facility are :
1. Customer is not minor
2. CIF of customer is KYC Compliant
3. CIF is Active
4. Customer's Mobile no. is available.
5. Customer's Address Line 1 contains minimum 5 characters.
6. In Customer Address PIN, City, District, State values are available and PIN should match with concerned State.
7. Resident Indian
8. Customer's should have Last name and it should not have any special character or number (for CIC check).
9. Salary Package Customer
10. No two ongoing Xpress Credit loan A/Cs (including PAXC) of customer should exist.
11. Risk Grade of existing loan (excluding closed accounts) is/are below RG2
12. None of the loan account of customer has been written-off in last 5 yrs. (Check WRITTEN_OFF_FLAG if it is Y then check AUCA_WRITTEN_OFF_DATE it should not lie between 5 years from current date.)
13. Not more than 1 RG3 history in last 6 months (open + closed)(if any two instances of RG status greater than 2 in last six months has been found , it should be a No Go.)
14. At least one OVD of customer is available in CBS.
15. PAN or OVD should be available in CBS (any one out of Passport, Voter ID, Driving License) to fetch CIC report.
RTXC/DXC Identification:
1. Age less than 58 years
2. Account aged greater than 6 months
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