Personal Loan For Jammu & Kashmir Government Employees

Personal Loan at 10.75% p.a

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The Government of Jammu & Kashmir is the supreme governing authority of Jammu & Kashmir and its divisions and districts. It employs a substantial no of employees across all departments. Personal Loan For Jammu & Kashmir 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 Jammu & Kashmir Government Employees at www.loannow.in. So, Apply online to book your personal loan now!

What is the Eligibility to avail a Personal loan For Jammu & Kashmir Government Employees?


Age Criteria 21-65 years of age.
Work Experience Min. 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.

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 on Personal Loan For Jammu & 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. Pensioners can get a Personal Loan for 5 years provided their age is atmost 76 years

GOVERNMENT BODYADDITIONAL BENEFITS ON PERSONAL LOANS
Maharatna PSU>Companies grossing annual net profit of 5000 cr
> There are 7 PSU’s like BHEL, SAIL 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. ROI for Personal Loans start at 11.49%
Public Sector Banks>Banks having a 50% or govt share These include SBI, PNB, Bank of Baroda etc.
>ROI for Personal Loans start at 11.49%
Railways>Indian Railways are owned by the Government of India. It is managed by the Ministry of Railways
ROI for Personal Loans 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 for Central Govt Employees 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 for Central Govt Employees 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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