Personal Loan for Gujarat Government Employees

The Government of Gujarat, also known as the State Government of Gujarat. It is the governing authority of the of Gujarat and its 33 districts. It employs a a lot of employees across all departments. Personal Loan For Gujarat Government Employees can help them take care of their crisis.

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 Gujarat Government Employees at www.lendingwale.com Apply online to book your personal loan now!

What is the Eligibility to avail a Personal loan For Gujarat Government Employees?


Age Criteria 21-65 years of age.
Work Experience Min. 6 months in the current organisation. (Preferred)
Total Work Exp.At least 3 years.(Preferred)
Min. Net IncomeAt least, Rs. 20000/- per month.
(may vary according to 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 Gujarat 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.

GOVERNMENT BODYADDITIONAL BENEFITS ON PERSONAL LOANS
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%.
Railways>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 Enterprise>University Employees are provided with a host of options to enable them to avail a Personal Loan
>Personal Loans rates start at 12.25%
State Government Enterprise>University Employees are provided with a host of options to enable them to avail a Personal Loan
>Personal Loans rates start at 12.25%


Fees and Charges

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