People employed by the central or state government, PSUs, Defence, or Paramilitary forces are broadly referred to as government employees. They can get a loan easily because of the job security in this sector. Often, they can get personal loans at discounted or special rates.
Let’s see how they can avail of a personal loan through Moneyview and what its requirements are.
Attractive Loan Amount
Get loans from ₹5,000 to ₹10,00,000 based on your eligibility
Loans Without Collateral
You can get a personal loan through Moneyview without having to provide any asset or arrange for a guarantor
Fast Disbursal
The loan amount is disbursed to your bank account within a few hours of approval
Affordable Interest Rates
Interest rates starting from just 14% per annum
Loan Amount
Min ₹5,000
Max ₹6,000,000
Rate of Interest
Min 6%
Max 36%
Loan Tenure
5
months
Min 3 months
Max 72 months
If you are a government employee, you need to fulfill the eligibility criteria given below to get a personal loan through Moneyview -
The borrower should be between 21 and 57 years of age
They must earn a minimum of ₹25,000 or more monthly
Income must be credited directly to their bank account
They must have a minimum CIBIL score of 650
The documentation process for getting an instant personal loan from Moneyview is very simple. All you have to do is -
Confirm or enter your PAN number
Ensure that your mobile number is linked to your Aadhaar card for KYC verification
Provide a clear selfie taken in a well-lit area
Please note that the documentation requirements will vary based on your profile. You may be required to upload proof of address, bank statement, and other supporting documents.
You must also enable the auto-debit facility on your bank account in order to permit automatic withdrawals from your account. Use a debit card, net banking, or a NACH form to complete this quick procedure.
The auto-debit facility will enable you to pay your EMIs automatically each month, eliminating the need for manual intervention.
Our lending partners provide some of the market's most fair and affordable interest rates. The fees for personal loans are -
|
Fees and Charges |
Amount Chargeable |
|---|---|
|
Interest Rate |
Starting from 14% per annum |
|
Loan Processing Charges |
Starting from 2% of the approved loan amount |
|
Penal Charges on Overdue EMI |
24% per annum plus applicable taxes, if any |
|
NACH Bounce |
₹500/- each time |
|
Loan Cancellation |
If you wish to exit the loan after it has been sanctioned, you can do so within 3 days of loan disbursement. |
There are a number of banks that offer personal loans at discounted rates to government employees. Here are a few top banks and the loan amounts offered, interest rates, and repayment terms -
|
Name of the Bank |
Amount Provided |
Interest Rate(p.a.) |
Repayment Term |
|---|---|---|---|
|
Up to ₹35 Lakh |
10.05% onwards |
Contact your nearest branch for information |
|
|
Up to ₹50 Lakh |
9.99% to 24% |
1 to 7 years |
|
|
Up to ₹50 Lakh |
9.99% to 16.50% |
Up to 72 months |
|
|
Up to ₹50 Lakh |
8.75% to 21.55% |
Up to 84 months |
|
|
Up to ₹10 Lakh |
9.99% onwards |
9 to 60 months |
|
|
₹50,000 to ₹5 Lakh |
11% to 14.75% |
13 to 60 months |
Note: All information has been sourced from the official websites of the banks on 16 Oct 2026. Please check details with your bank before applying.
Rajesh, a Postal Assistant in Bareilly, needed ₹1.2 Lakh for an emergency. When he approached a lender, he was asked to submit a form stamped by his Drawing and Disbursing Officer (DDO) and two colleagues as guarantors. He thought people in the office would find out about it and gossip about him.
Then he saw an advertisement for Moneyview and thought of trying it out. He was able to get a personal loan easily without having to submit any collateral or furnish any guarantors.
The step-by-step 100% online process of application is mentioned here -
1
Check Eligibility
You can check your eligibility on the Moneyview website or app in just 2 minutes!
2
Select Loan Tenure
Choose the loan amount and repayment period from the options provided to you as per your eligibility.
3
Upload Documents
Complete your e-KYC and the NACH mandate for auto-debit of EMIs. Everything will be completed online, right from your mobile phone, without any hassle.
4
Amount Disbursed
Sign the loan agreement and get the funds in your bank account in 24 hours
Need Quick Cash?
If you are a government employee, there are a number of options to get a loan. Due to the job security, a government employee has high creditworthiness, and there are no major roadblocks to availing credit.
You can easily apply for a loan from Moneyview’s partner lenders. All you need to do is visit our website or download the Moneyview app and apply today.
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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