Personal Loan for Civil Defence

What is personal loan?


personal loan is an unsecured loan. It helps you meet your urgent money needs. Therefore, there is no need to give a security. We give the best loan offers on personal loan for Civil Defence personnel at magicloans.in. So, Apply online to book your personal loan now.



Civil defence or civil protection is an effort to protect the citizens of a state from military attacks and natural disasters. It uses the principles of emergency operations: prevention, mitigation, preparation, response, or emergency evacuation and recovery.


What is the eligibility for a personal loan for Civil Defence personnel ?

Age Criteria 25 – 76 years of age.
Service A service record of at least 6 months.
IncomeThe net salary 25k month on month.
The applicant should draw the minimum salary required for a period of 6 months.
AccountExcept for HDFC Bank, the applicant must be an account holder in the
particular bank that he applies to.
Credit scoreFirst time loan applicants (some banks) & customers with a good credit history are eligible.
Loan amountMaximum cap on loan amount can be decided as per salary or age of applicant.
Upto 30 lacs.

What are the documents needed for a personal loan?

Identity Proof Passport; PAN or Aadhar Card;Voter ID; Driving license.
2 Photographs.
Residence Proof Passport; Driving License; Voter ID; Rent agreement; Electricity bill.
Income Proof Last 3 months’ income slip + 6 months’ bank statement.
Form 16(1 year)
Copy Of service certificate.
Age ProofPassport; PAN Card; Birth Cert.; Employee ID Card

What are the benefits for Civil Defence personnel employees?

Interest rates start @10.99%*.
Tenure– 12-60 months.
Pensioners: Banks offer loans for pensioners at lowest rates.
Maximum age limit is 76 years; loan tenure is 5 years.
Zero processing fee for defence pensioners in SBI and HDFC.

A fixed Rate of Interest is charged @ monthly reducing balance. The EMI remains constant for the tenure granted. The payment of the personal loan is by deduction through ECS from the salary account on a fixed date for the entire tenure. Pre closure & part payment facilities are applicable as per the bank policy.

Fees and Charges

Interest Rates10.99% – 18% (Varies from bank to bank)
Processing chargesNIL to 2% (Varies from bank to bank)
Pre-closure chargesNIL to 5%. (Varies from bank to bank)
It is allowed after Payment of 1 EMI in Axis Bank, 6 in ICICI and 12 in HDFC.

Why apply via magicloans.in?
Multiple Products from multiple banks under one roof.
Instant online approval.
Expert guidance.


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