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Pension Loan 

A Pension Loan is a specialized personal loan designed exclusively for retired individuals who receive a regular pension from government, defense, semi-government, or recognized private institutions. This loan helps pensioners meet their financial needs such as medical emergencies, home repairs, family events, debt consolidation, or any personal expenses.

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Acceptance Criteria

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Applicant’s Age:

  • Minimum: 50 years
  • Maximum: 65 years (depends on lender's policy)

Type of Pensioner:

  • Retired from Central/State Government
  • Defense/Armed Forces Pensioners
  • PSU or Autonomous Bodies
  • EPFO Pensioners
  • Recognized private sector retirees with regular pension income

Consistent Pension History:

  • Pension should be credited regularly for the past 6 months at least
  • Guarantor (if required):
  • Some cases may need a co-applicant or guarantor, especially for elderly applicants above 75 years
Loan Amount Offer
Minimum Amount : 50,000.00
Maximum Amount : 5 Lakhs
Rate of Interest(%)
Minimum ROI Start From : 11.50 % P.A.
Maximum ROI : 18 % P.A.
Tenure
Minimum Tenures : 06 Months
Maximum Tenure : 60 Months
Documents Required for Loan
Document Name Description
ID Proof Aadhaar Card / PAN Card / Voter ID / Passport
Address Proof Aadhaar / Utility Bill / Bank Passbook
Pension Proof Pension Payment Order (PPO) or last 3–6 months pension slips
Bank Statement Last 6 months’ statement showing regular pension credit
Photograph 2 recent passport-size colored photos
Loan Application Form Duly filled form from the lending institution
Age Proof Date of birth as per Aadhaar or pension documents
Guarantor’s Documents (if applicable) ID, address, and income proof of guarantor
Golden Features and Benifits
  • Fast approval with minimal paperwork.
  • Affordable repayment plans as per pension income.
  • Regular pension is sufficient for eligibility.
  • Fully unsecured loan – no asset pledge needed.
  • Personalized guidance and doorstep assistance.