Personal Loan For Andhra Pradesh Government Employees

The Government of Andhra Pradesh includes the governor , chief minister and the council. The governor is elected every 5 years. He elects the chief minister and the council. The chief minister supervises the state. Government of Andhra Pradesh employs a significant amount of people. Personal Loan For the Andhra Pradesh Government Employees seems like a go to option to take care of their financial needs.

What is a Personal Loan?

A 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 Andhra Pradesh Government Employees at So, apply online to book your personal loan now!

What is the Eligibility to avail a Personal loan For Andhra Pradesh 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 IncomeAt least, Rs. 20000/- per month.
(may vary depending upon your profile.)
CIBIL720 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 ProofPassport, PAN Card, Birth Certificate, Employee ID Card

What are the benefits offered to Andhra Pradesh Government Employees?

Interest rates starting @11.49%. (HDFC Bank and ICICI Bank)
Special offers available for government and PSU employees
Pensioners: Banks offer loans for pensioners at lowest rates. Maximum age is capped at 76 years and maximum loan tenure is 5 years.

Maharatna PSU> Maharatna PSU : Companies with annual net profit of 5000 cr
> There are 7 PSUs – BHEL, SAIL, ONGC, NTPC, Coal India, IOC and Steel Authority of India.
>Interest Rates start at 11.49%
Navratna PSU>These companies are based on factors like production cost, total labor cost, net worth, net profit.
> There are 17 Navratna companies
>Interest Rates start at 11.49%
Public Sector Banks> Banks with more than 50% of shares by the government
>Personal Loan for PSB employees start at 13.25%.
Railways>Indian Railways are owned by the Government of India . It is managed by the Ministry of Railways
>Personal Loans for Railway employees start at 12.25%
Central Government Enterprise>University Employees under the control of central government also have variety of options
>Interest Rates start at 12.25%
State Government Enterprise> University Employees under Andhra Pradesh Govt enjoy special loan offers
> Interest Rates start at 12.25%

Fees and Charges

Processing charges Upto 2% (Varies from bank to bank)
Pre-closure chargesNIL to 5%. ( Varies from bank to bank )

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Read more about Personal Loans

BankInterest Rates
Allahabad Bank 10.50% to 12.99%
Bajaj Finserv Starting from 12.99%
Bank of Baroda 11.35% to 16.35%
Andhra Bank 11.55% to 13.05%
Axis Bank 15.75% to 24%
Central Bank MCLR (12M) + 3.00%
Corporation Bank 12.95% to 13.95%
HDFC Bank 11.25% to 21.50%
Bank of Maharashtra Starting from 15%
Citibank Starting from 10.99%
Canara Bank 13.00% to 16.50%
Bank of India Starting from 13.10%
Federal Bank Starting from 11.49%
ICICI Bank 11.50% to 19.25%
Indian Bank Starting from 14.20%
Fullerton India Starting from 12%
IndusInd Bank Starting from 10.75%
IDBI Bank Starting from 12%
HSBC Bank 10.75% to 17.84%
Muthoot Finance 14.50%
Kotak Mahindra Bank 11.29% to 19.99%
RBL Bank Starting from 12%
IDFC First Starting from 11.5%
TATA Capital Starting from 11.25%
Standard Chartered Bank Starting from 11.99%
Syndicate Bank 13.25% to 13.65%
UCO Bank Starting from 11.70%
Punjab National Bank Starts from 12%
Union Bank of India Starting from 14.40%
State Bank of India Starting from 11%
Yes Bank Starting from 10.75%