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Personal Loan for Government Employees

Government Employee Loan

From financing your child's overseas education and revamping your house to funding a quintessential big fat Indian wedding, a Government Employee Loan can help you meet your personal needs. If you are a government employee looking for a quick and easy personal loan, Tata Capital is the place to be!

With our interest rates starting at just 10.99%, our competitive loans for government employees are incredibly affordable and easy to repay. Choose a flexible tenure anywhere between 12 months and 6 years as per your convenience. Once your loan application is approved, we hardly take 7-8 working days before disbursing the loan amount. And the best part? You don't need to pledge collateral!

Features of Personal Loan for Government Employees

Tata Capital, a name you can trust

With over decades of industry experience, Tata Capital is a name you can trust with your personal financing needs.

Get approval in minutes

We take only a couple of minutes to approve a Government Employee Loan and even less time to initiate the disbursement process. So, why apply anywhere else? 

No collateral needed

Don't have collateral to pledge? No worries! Because we don't ask for one. You can get a quick loan for government employees without any security.

Competitive interest rates

Avail of a government employee personal loan from Tata Capital at incredibly competitive personal loan interest rates. Our rates start as low as 10.99% so that you can enjoy a seamless repayment process. 

No penalty on pre-payment

Down the line, if you come into surplus money and feel like pre-paying a portion of your loan amount, don't worry about additional costs. We charge zero penalties on the part pre-payment of personal loan for government employees!

Eligibility of Loan For Government Employees

We at Tata Capital rely on relaxed and easy-to-meet eligibility conditions to provide a personal loan for government employees. All you need to do is satisfy our basic eligibility requirements, and you're all set!

To apply for a personal loan for government employees with Tata Capital, you must fulfil some basic conditions listed below:

  • You must be between 22 to 58 years old.

  • Your monthly income should not be less than Rs. 15,000.

  • You need to have at least one year of work experience.

Other than the criteria mentioned above, your personal loan eligibility will also depend on various factors such as your age, job stability, monthly income, professional experience, CIBIL score, etc.

Documents required for Government Employee Loan

With Tata Capital, you only need to produce minimal documentation to avail of a Government Employee Loan. No extensive paperwork, no extended verification process! Simply furnish a copy of the following document proofs:

  • Income Proof documents

  • Salary Slips

  • Photo Identity Proof documents

  • Address Proof documents

  • Employment Certificate

Check out the complete document list by visiting our personal loan documents page. 

How to apply for a Government Employee Loan?

FAQs on Loan for Government Employees

Yes, every individual employed by the Government of India, whether central or state and a Public Sector Undertakings (PSUs) can avail of the Government Employee Loan scheme. With Tata Capital, you can get a personal loan of up to Rs. 35 lakhs with minimal documentation. 

Wondering how much loan can a government employee get? The answer depends on factors such as your monthly income, credit score, nature of your job, work experience, and some other eligibility factors.

As a government employee, you can get a maximum amount of Rs. 35 lakhs on a personal loan by Tata Capital for government employees for interest rates starting from 10.99%.

To apply for a Government Employee Loan with Tata Capital, you will need to meet the eligibility conditions mentioned below:

  • You must be between 22 to 58 years old.

  • Your monthly income should not be less than Rs. 15,000.

  • You need to have at least one year of work experience.

If you avail of a Government Employee Loan from Tata Capital, you will need to pay 2.75% of the loan amount as the processing fee. It is a one-time, non-refundable fee charged for processing the application form. You will also need to pay the applicable GST charges on the processing fee.

If you're looking for a quick loan, you can apply with Tata Capital online. As soon as you have completed the application form and uploaded all the necessary document proofs online, we will disburse the loan for central government employees in only 7-8 working days.

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