Loan against your salary: The Personal Loan for government employees is an collateral free loan offered by the bank against your salary. It helps if you are an existing HDFC Bank customer with a very good credit and repayment history and a healthy CIBIL score.

Apply online for a Personal Loan: You can get a loan for government employees from HDFC Bank right from the comfort of your home. No need to step out or wait in queue at the bank branch.

Little or no documentation: The process can be completed online, and the bank requires minimal documentation as part of the loan process. Moreover, the steps are further reduced for existing HDFC Bank customers.

Quick, stress-free loan: Get your loan approved within less than 4 hours, and the money in your bank account within one working day from the time of document submission.


  • Must be between 21 years and 60 years of age

  • Salaried employees at public sector undertakings (PSUs), including central, state and local bodie)

  • Must have had a job for at least 2 years, with a minimum of 1 year with the current employer

  • For an HDFC Bank Salary Account holder: must have a minimum net monthly income of Rs 25,000.

  • For a non-HDFC Bank Salary Account holder: must have a minimum net monthly income of Rs 50,000

*Government taxes and other levies as applicable will be charged over and above the Fee and Charges. Loan disbursal is at the sole discretion of HDFC Bank Ltd.


  • Identity proof (copy of passport/voter ID card/driving license/Aadhaar)

  • Address proof (copy of passport/voter ID card/driving license/Aadhaar)

  • Bank statement for the previous 3 months (Passbook for previous 6 months)

  • Two latest salary slips/current dated salary certificate with the latest Form 16

  • Proof of end use

Interest Rates and Charges:

Rate of Interest10.50 % to 25.00%
Processing FeesUpto 4999 + GST
Tenure 03 Months to 72 Months
Documents RequiredNo Documents for Pre-approved Personal Loan
For Non Pre-approved - Last 3 Months Bank statements, 2 Latest Salary Slip and KYC

Updated as 26th May 2023