Personal Loan For Jammu and Kashmir Government Employees

The Government of Jammu and Kashmir is the supreme governing authority of the state of Jammu and Kashmir and its 20 districts. It employs a significant amount of people. Personal Loan For Jammu and Kashmir Government Employees seems like a go to option to take care of their financial needs.



What is a Personal Loan?

Personal Loan is an unsecured loan. It helps you meet your urgent money needs. Therefore, there is no need to give a security. We give the best loan offers on Personal Loan For Jammu and Kashmir Government Employees. Apply at online to book your personal loan now!


What is the Eligibility to avail a Personal loan For Jammu and Kashmir Government Employees?

Age Criteria

21-65 years of age.

Work Experience

Min. 6 months of experience in the current organisation. (Preferred)

Total Work Exp.

At least 3 years of total experience.(Preferred)

Min. Net Income

At least, Rs. 20000/- per month.
(may vary depending upon your profile).


720 or more with a good credit history.

What are the documents needed for availing a Personal Loan?

Identity Proof

Passport; PAN or Aadhar Card; Voter ID; Driving license. 2 Photographs.

Residential Proof

Passport; Driving License; Voter ID;Electricity bill.

Income Proof

Latest 3 months’ income slip as well as 6 months’ bank account statement. Also, Form 16 of last 2 years

Age Proof

Passport, PAN Card, Birth Certificate, Employee ID Card

What are the benefits offered to Jammu and Kashmir Government Employees?

Interest rates for Personal loans for government employees starts @11.49%. (HDFC Bank and ICICI Bank)

Special offers available for government employees and public sector undertakings.

Pensioners: Banks offer loans for pensioners at lowest rates. Maximum age of pensioners to be eligible for a personal loan is capped at 76 years with a maximum loan tenure of 5 years. Banks charge a nominal processing fee for pensioners.




Maharatna PSU

>Companies grossing annual net profit of 5000 cr
> Presently there are 7 PSU's like BHEL SAIL, IOC, etc. Personal Loan for these employees start at 11.49%

Navratna PSU

>There are 17 Navratna companies at present which include Hindustan Aeronautics, Bharat Petroleum etc. >Personal Loan for these employees start at 11.49%

Public Sector Banks

>Banks having a 50% or govt share These include SBI, PNB, Bank of Baroda etc.
>Personal Loan for these employees start at 13.25%.


>Indian Railways are owned by the Government of India and is managed by the Ministry of Railways
>Personal Loans for Railway employees start at 12.25%

Central Government 

>University Employees are provided with a host of options to enable them to avail a Personal Loan
>Personal Loans for Central Govt Employees start at 12.25%

State Government 

>University Employees are provided with a host of options to enable them to avail a Personal Loan
>Personal Loans for Central Govt Employees start at 12.25%


Fees and Charges

Processing charges

Upto 2% (Varies from bank to bank)

Pre-closure charges

NIL to 5% on outstanding loan amount. ( Varies from bank to bank )



Why apply via

We take care of all your financial needs

Instant Online Approval



Interest Rates

Processing Fees


10.99% to 18%

2% to 2.5%


13.99% to 18%


Fullerton India

17.25% to 32%

2% to 3%

Bajaj Finserv

13.99% to 16.75%

2% to 3%

Axis Bank

15.50% to 24%

1.5% to 2%

Standard Chartered Bank

15.75% to 22%

2% to 3%

Kotak Mahindra Bank

13.75% to 19%


Andhra Bank

13.50% to 22%

0.5% to 1.5%

Bank of Baroda

13.50% to 19%


Vijaya Bank

13.75% to 22%

1.5% to 2%

Corporation Bank

14.50% to 20%

1.5% to 3%

Allahabad Bank

13.70% to 20%

1.5% to 2%






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