Features and benefits

  • %$$PL-Approval$$%* approval

    5 minutes* approval

    Apply through our easy online application form to get swift approval on simple eligibility terms.
  • %$$PL-Disbursal$$%* money transfer

    24 hours* money transfer

    Receive the money in your bank account within 24 hours* of approval and document verification.

  • Flexi loan facility

    Flexi loan facility

    Use our Flexi personal loan facility to reduce your EMI by up to 45%*.

  • Simplified paperwork

    Simplified paperwork

    Avail of a personal loan for government employees by submitting a few essential documents.

  • Flexible loan term

    Flexible loan term

    Select the best-suited repayment tenor for your EMIs, going up to 96 months.

  • Transparent policies

    Transparent policies

    Be assured of zero undisclosed charges and read our terms and conditions to gauge the cost of the loan.

  • Virtual account access

    Virtual account access

    Use our online customer portal, Experia, to easily manage your payments and view other pertinent loan details.

The Bajaj Finserv Personal Loan for government and PSU employees is an easy solution for all your monetary needs. Meet the simple eligibility criteria and provide a few essential documents to receive money in the bank in 24 hours*.

Our unsecured personal loans extend funding of up to Rs. 40 lakh, bearing zero spending restrictions. This makes them ideal solutions for your financing needs and goals, whether unplanned or planned. Use the money to fund home renovations, a wedding, higher education, overseas travel, or any other need with ease.

Opt for our Flexi loan facility to reduce your EMIs by up to 45%*. Here, you pay interest-only instalments and the principal later. If you are an existing customer with Bajaj Finserv, avail of a pre-approved loan offer. Your personalised offer can help you obtain financing expeditiously and on favourable terms.

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Eligibility criteria

Government employees can avail of a loan by meeting Bajaj Finserv’s simple personal loan eligibility criteria. Railway and other government employees can apply for a personal loan in just four easy steps.

  • Nationality


  • Age


    21 years to 80 years*

  • Work status

    Work status

  • Employment


    Public-sector company, or a government body

  • CIBIL Score

    CIBIL Score

    685 or higher

Fees and charges

As you go through the personal loan interest rates and charges Bajaj Finserv offers PSU and government employees, be assured of zero hidden costs.

How to apply

Follow this simple guide to apply for a personal loan online:

  1. 1 Click on ‘Apply Online’ to view our short and simple application form
  2. 2 Share your phone number and authenticate your profile with an OTP
  3. 3 Fill in your basic KYC, income, and employment details
  4. 4 Enter the loan amount and submit the application

Our representative will call you to guide you on the next steps.

*Conditions apply