• To meet personal/ family expenses like   marriage/education/family functions.
  • For purchase of consumer durables, gold / gold ornaments.
  • To meet expenditure on medical treatment of self and/or dependent at   Hospitals/Nursing Homes registered with local Govt. bodies.
  • To meet travel expenses of legitimate travel by himself & family.
  • To cover travel cost, hotel stay, and other travel related expenses


Eligibility :

  • Permanent and regular employee in Centre/State Govt. Deptt.    And other institutions like Universities, Schools/College, PSUs, reputed hospitals, and well established corporate. Professionals   and doctors shall also be eligible for loan

  • Minimum 3 years of service, including service with the previous employer(s), if any.

  • The net monthly salary should not be less then Rs 6

Amount :

  • Upto 15 months net take home salary, subject to maximum of Rs.1.50 Lac.
  • Upto 20 times net salary with a maximum of Rs.3 lakh in case the salary account is maintained with the branch for a minimum period of 6 months or Employee undertaking to deduct and remit the due installments to the bank.


One personal guarantee preferably of fellow employee, subject to the condition that        

one employee will not stand as guarantor in more than two accounts.





Rate of interest :

BR + 5 % p.a with monthly rest.


Penal Interest

2% penal interest over the normal interest rate on the overdue amount for irregular  

period.  No prepayment penalty to be charged.

Process/ upfront: fee

0.50% of the loan amount with a minimum of Rs.500/ +Service tax, if any.




The loan amount may be credited to SB / Salary Account of the borrower.





60 EMIs (subject to remaining period of service)




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