Personal Loan For Jammu and Kashmir Government Employees

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All About 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. Personal Loan For Jammu and Kashmir Government Employees 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 www.dialabank.com online to book your personal loan now!

Eligibility for Personal Loan For Jammu and Kashmir Government Employees


Age Criteria21-65 years of age.
Work ExperienceMin. 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.

Documents for Personal Loan For Jammu and Kashmir Government Employees


Identity ProofPassport; PAN or Aadhar Card; Voter ID; Driving license. 2 Photographs.
Residential ProofPassport; Driving License; Voter ID;Electricity bill.
Income ProofLatest 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

Benefits for Personal Loan For 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.

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>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 for Personal Loan For Jammu and Kashmir Government Employees

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

Personal Loan For Jammu and Kashmir Government Employees

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Bank

Interest Rates

Processing Fees

HDFC Bank

10.99% to 18%

2% to 2.5%

ICICI Bank

13.99% to 18%

2%

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%

2%

Andhra Bank

13.50% to 22%

0.5% to 1.5%

Bank of Baroda

13.50% to 19%

2%

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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