HDFC Bank offers Personal Loan to government employees of public sector undertakings (PSUs), including central, state and local bodies. These personal loans come with a repayment tenure of up to 6 years. 

  • Govt. employees can get collateral free personal loans from HDFC Bank based on their salary. 
  • Apply conveniently from the comfort of your home, through Netbanking or through the HDFC website
  • Minimal documentation requirements
  • Get approval in less than 4 hours and amount disbursed within a day

Loan Particulars

Rates and Charges

Interest Rate

10.50% - 21.00%

Loan Processing Charges

Up to 2.50% of the loan amount (min. Rs.2999)

Pre-Payment Charges 

No pre-payment in part or full permitted until repayment of 12 EMIs. Part-payment allowed up to 25% of principal outstanding, only once in a financial year. 

  • 13-24 months - 4% of principal outstanding
  • 25-36 months - 3% of principal outstanding
  • >36 months - 2% of principal outstanding



HDFC Personal loan for govt. employees is available for salaried employees at public sector undertakings (PSUs), including central, state and local bodies, between the age of 21 and 60. Minimum monthly income of Rs. 25,000, with a job experience of at least 2 years in the current job. 


Simple documentation requirements like ID proof, address proof and income proof, along with bank statements.