Your Dreams, Our Loans:
Personalized Solutions for You
Find the perfect personal loan scheme that fits your needs. Simplified process, quick approvals.
Explore Our Schemes
Personal Loan
| CIBIL Score | Revised Rate of Interest (% p.a.) - Public | Revised Rate of Interest (% p.a.) - Staff |
|---|---|---|
| 800 & above | 10.00% | 8.25% |
| 700 to 799 | 10.25% | 8.50% |
| 600 to 699 | 10.50% | 8.75% |
| -1 (No Credit history) | 10.25% | 8.50% |
| Score Below 600 | Not Accepted | |
Processing fee is waived on loan till **August 31, 2025**.
Personal Loan for Govt. Employees
Key Highlights
- All Regular Govt. Employees with Salary **20K and above** posting in Chandigarh/Panchkula.
- Upto **Rs 15 Lakhs** loan or **24 times** of Gross Salary whichever is lower.
- **7 years** maximum tenure.
- **CIBIL score 600** & above.
- **NIL** Pre-closure charges.
- **ROI starting 10%*** as on 01-01-2025.
- Quick Disbursement.
Documents Required
- KYC Documents.
- Latest 3 Months’ Salary slips or last 2 years ITRs.
- Employment letter/certificate.
- Guarantee from Regular Govt. employee.
- 6 Months Account Statement.
- Passport size photographs of both Applicant and Guarantor.
- Loan Account Statement of last 6 months (if any).
- Advance PDCs / ECS form.
Pensioner Loan
Secure your financial future with a loan designed for pensioners.
| Condition | Details |
|---|---|
| Maximum Limit | Rs.10,00,000/- or 15 times monthly pension, whichever is lower. |
| Eligibility | Pensioners drawing pension through our branches (incl. family pensioners and ex-employees). Residence must be in Chandigarh / Distt. Panchkula. |
| Purpose | To meet personal needs and medical expenses. |
| Repayment | 60 EMIs or up to the age of 70 years, whichever is earlier. |
| Margin | NIL. |
| Security | Guarantee of spouse (if eligible for family pension), another family member, or a third party. |
| Rate of Interest |
|
| Processing Fee | 0.50% |
*For more details, read the detailed scheme attached below. **NIL pre-closure or hidden charges.**
Personal Loan for HARTON and HKRNL Contractual Employees
Key Highlights
- All employees with salary **20K and above** and minimum **5 years of service**.
- Upto **Rs 3 Lakhs** or **15 times** of gross salary, whichever is lower.
- **5 years** maximum tenure.
- **CIBIL Score 650** & above.
- **NIL** Pre-closure charges.
- Salary account must be with HARCO Bank.
- Quick disbursement.
Documents Required
- KYC Documents.
- Latest 3 months’ salary slips or last 2 years ITRs.
- Employment letter/certificate.
- Guarantee from regular Govt. employee.
- 6 months account statement.
- Irrevocable letter of authority from borrower authorizing the employer to remit monthly installments.
- Passport size photographs of both applicant and guarantor.
- Loan account statement of last 6 months (if any).
- 6 PDCs / ECS form.
Personal Loan for HSSPP Contractual Employees
Key Highlights
- All employees with salary **20K and above** and minimum **5 years of service**.
- Upto **Rs 5 Lakhs** loan or **15 times** of gross salary, whichever is lower.
- **5 years** maximum tenure.
- **CIBIL score 650** & above.
- **NIL** Pre-closure charges.
- Carry home pay should be **50% of gross pay**.
- Salary account must be with HARCO Bank.
- Quick disbursement.
Documents Required
- KYC Documents.
- Latest 3 months’ salary slips or last 2 years ITRs.
- Employment letter/certificate.
- Guarantee from regular Govt. employee.
- 6 months account statement.
- Irrevocable letter of authority from borrower authorizing the employer to remit monthly installments.
- Passport size photographs of both applicant and guarantor.
- Loan account statement of last 6 months (if any).
- 6 PDCs / ECS form.