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Personal Loan for Delhi Government Employees

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    The Government of the National Capital Territory of Delhi is the governing authority of Delhi and its 11 districts. It employs a a lot of employees across all departments. Personal Loan For Delhi Employees is an ideal way to tackle financial troubles.

    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 Delhi Government Employees at Apply online to book your personal loan now!

    What is the Eligibility to avail a Personal loan For Delhi 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 Delhi 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.

    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 rates start at 13.25%.
    Railways>Indian Railways are owned by the Government of India and is managed by the Ministry of Railways
    >Personal Loans rates 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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