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Any individual(s) having PF or Gratuity. 
| Sl.No | Eligible borrower | Guarantor requirement |
| 1 | Regular employees | 1.e-PEMS A guarantor is not required. 2.Non-e-PEMS (EMI remitted from the office) A guarantor is not required if the applicant is in service for more than 3 years including the probation period. A guarantor is required if the applicant is less than 3 years in service. The guarantor should be equal or higher grade from the same office/Ministry. For senior officials and executive officials who cannot provide guarantors of the same grade from the same organization/ministry shall provide guarantors of one or two grades lower from the same organization/ministry. |
| 2 | Contract employees | All the borrowers are required to provide TPG of the same or higher grade from the same agency or equivalent position from the Civil Service/DHI owned Companies/SOEs.For senior officials and executive officials who cannot provide guarantors of the same grade from the same organization/ministry shall provide guarantors of one or two grades lower from the same organization/ministry. |
| 3 | Private employee | All the borrowers are required to provide an employer guarantee or TPG from a civil service/DHI-owned Companies/SOEs. However, the private company should be in operation for more than 5 years. |
| SERVICE DURATION | MAXIMUM AMOUNT ELIGIBLE (Nu.) | Guarantor requirement | |
| 1 | Regular employees | ||
| 6 to 12 months (including probation period) | 100,000.00 | Subject to fulfilment of 70% LTI | |
| Above one to 3 years confirmed service | 300,000.00 | ||
| Above 3 years confirmed service | 500,000.00 | ||
| 2 | Contract Employees | ||
| 3 to 12 months (confirmed service) | 200,000.00 | Subject to fulfilment of 70% LTI | |
| Above one to 5 years confirmed service or contract term whichever is lower | 500,000.00 | ||
| 3 | Private Employees | ||
| 12 months (confirmed service) | 100,000.00 | Limit computation will be 1.5 times the PF accumulation of the applicant or as per the slab whichever is lower subject to fulfilment of 70% LTI. | |
| Above one to 3 years confirmed service | 200,000.00 | ||
| Above 3 years confirmed service | 500,000.00 |
Floating/Prevailing interest rate.Maximum 5 years. Application form duly filled by the applicant and signed on all the pages (full signature) For walk-in customers only.Copy of valid Citizenship Identity (CID) of both the applicant and guarantor (if applicable).One recent passport-size photo of the applicant.Copy of appointment order or promotion order of the applicant and guarantor (if applicable).Recommendation letter duly signed and sealed by Head of Department, salary disbursing officer, and the applicant.A regular Government employee who completed one year of probation. | Sl.No | Eligible borrower | Guarantor requirement |
| 1 | Regular employees | 1.e-PEMS A guarantor is not required. 2.Non-e-PEMS (EMI remitted from the office) A guarantor is not required if the applicant is in service for more than 3 years including the probation period. A guarantor is required if the applicant is less than 3 years in service. The guarantor should be equal or higher grade from the same office/Ministry. For senior officials and executive officials who cannot provide guarantors of the same grade from the same organization/ministry shall provide guarantors of one or two grades lower from the same organization/ministry. |
| 2 | Contract employees | All the borrowers are required to provideTPG of the same or higher grade from the same agency or equivalent position from the Civil Service/DHI owned Companies/SOEs.For senior officials and executive officials who cannot provide guarantors of the same grade from the same organization/ministry shall provide guarantors of one or two grades lower from the same organization/ministry. |
| 3 | Private employee | All the borrowers are required to provide an employer guarantee or TPG from a civil service/DHI-owned Companies/SOEs. However, the private company should be in operation for more than 5 years. |
Maximum of 30% of the cost of the vehicle for an ordinary vehicle, and Maximum of 70% for electric/hybrid vehicles.Floating/Prevailing interest rate.Maximum of 5 years for ordinary vehicle, and Maximum of 7 years for electric/hybrid vehicles. Application form duly filled by the applicant and signed on all the pages (full signature) For walk-in customers only.Copy of valid Citizenship Identity (CID) of both the applicant and guarantor (if applicable).One recent passport-size photo of the applicant.Copy of appointment order or promotion order of the applicant and guarantor (if applicable).Recommendation letter duly signed and sealed by Head of Department, salary disbursing officer, and the applicant. Copy of Invoice for a new vehicle from an authorized vehicle dealer. Down payment receipt of vehicle booking from a vehicle dealer. Copy of registration certificate for second hand vehicles only.Sale deed agreement (in case of financing second-hand vehicle).Copy of valid insurance policy (in case of second-hand vehicle).Recommendation letter duly signed and sealed by Head of Department, salary disbursing officer, and the applicant.Any individual(s) having PF or Gratuity.| Sl.No | Eligible borrower | Guarantor requirement |
| 1 | Regular employees | 1.e-PEMS A guarantor is not required. 2.Non-e-PEMS (EMI remitted from the office) A guarantor is not required if the applicant is in service for more than 3 years including the probation period. A guarantor is required if the applicant is less than 3 years in service. The guarantor should be equal or higher grade from the same office/Ministry. For senior officials and executive officials who cannot provide guarantors of the same grade from the same organization/ministry shall provide guarantors of one or two grades lower from the same organization/ministry. |
| 2 | Contract employees | All the borrowers are required to provideTPG of the same or higher grade from the same agency or equivalent position from the Civil Service/DHI owned Companies/SOEs.For senior officials and executive officials who cannot provide guarantors of the same grade from the same organization/ministry shall provide guarantors of one or two grades lower from the same organization/ministry. |
| 3 | Private employee | All the borrowers are required to provide an employer guarantee or TPG from a civil service/DHI-owned Companies/SOEs. However, the private company should be in operation for more than 5 years. |
Maximum of Nu. 100,000.00 (One Hundred Thousand only).Floating/Prevailing interest rate.Maximum Five (5) years. Application form duly filled by the applicant and signed on all the pages (full signature) For walk-in customers only.Copy of valid Citizenship Identity (CID) of both the applicant and guarantor (if applicable).One recent passport-size photo of the applicant.Copy of appointment order or promotion order of the applicant and guarantor (if applicable).Recommendation letter duly signed and sealed by Head of Department.Any individual in their probation period except for private-sector employees. | Sl.No | Eligible borrower | Guarantor requirement |
| 1 | Regular employees | 1.e-PEMS A guarantor is not required. 2.Non-e-PEMS (EMI remitted from the office) A guarantor of equal or higher grade from the same office/ Ministry is required. |
Maximum of Nu. 50,500.00 (Fifty Thousand Five Hundred only).Floating/Prevailing interest rate.Maximum Two (2) years. Application form duly filled by the applicant and signed on all the pages (full signature) For walk-in customers only.Copy of valid Citizenship Identity (CID) of both the applicant and guarantor (if applicable).One recent passport-size photo of the applicant.Copy of appointment order or promotion order of the applicant and guarantor (if applicable).Recommendation letter duly signed and sealed by Head of Department, salary disbursing officer, and the applicant.| Please accept terms & conditions to proceed. |