91-9711165183
December 14, 2025
Companies listed under the approved category of top Banks are well-performing organizations with increasing turnover. Over the years, leading banks that issue personal loans, such as HDFC Bank and ICICI Bank, have recognised that borrowers employed by stable, profitable companies are less likely to default on their credit payments.
Therefore, to facilitate sourcing banks that process personal loans, they have published an approved list of companies, categorised by their value and performance. Banks vet these companies before they are included in the approved company list for processing personal loans.
The HDFC Bank company category list is extensive, including over 53,000 companies classified as Cat A, Cat B, Cat C, and Cat D. Your company must be on the approved list to qualify for a personal loan from HDFC Bank.
Stability of the job and the Income: Employees of the listed companies approved by the Bank are assured of timely remuneration and secure employment. The salary is credited regularly on the assigned date, reassuring the lender that the EMI due will be repaid smoothly. The listed companies are growing and profitable ventures that offer employees a secure future.
Highly educated and well-qualified staff; top companies attract the best talent from leading educational institutions. Professionals graduating from renowned universities and colleges seek employment at reputable organizations. Banks prefer to extend credit to professionals such as graduates from the Indian Institute of Technology or the Indian Institute of Management, as they earn high incomes and have a promising future.
High income and expenditure: Premier companies listed as Cat A and CAT B, or the Super prime or prime companies of ICICI Bank, offer higher yearly packages to their employees, enabling them to enjoy a better lifestyle. Banks readily extend personal loans to these employees, who have the funds to repay them conveniently, thereby meeting their aspirational needs, such as home renovations and holiday expenses.
Smooth processing and documentation: Employees of top-tier companies can easily provide the KYC and income documentation required to process a personal loan. Salary slips are issued online, and salaries are transferred to the salary account monthly. The applicant can verify employment via an email from the official email ID. These checks help to expedite the process and prove the authenticity of the applicants.
Lower default and risk: Funds as a personal loan are issued by Banks without collateral; therefore, timely repayment of the EMI is of primary concern. Employees of the listed companies have a better on-time payment record for credit dues than employees of open-market companies. The steady credit profile makes them the preferred sourcing segment for personal loans. They are offered speedy processing and favourable terms for their personal loan request.
A lower interest rate: Applicants employed in Categories A and B of the HDFC Bank company category, and as a Super prime company in the company category list of ICICI Bank, are offered the lowest interest rate, starting at 9.99%, on a reducing balance.
Extended tenure: The repayment tenure for a personal loan is from 12 to 60 months. An extended tenure of up to 84 months is offered to employees of listed companies, subject to the approved loan amount.
Increased loan amounts: Employees of the top-tier companies of HDFC Bank and ICICI Bank are issued higher loan amounts. With the increased tenure and a higher eligibility calculation, clients can receive the required loan amounts.
Documentation: The income documentation requirements are more convenient for applicants of the listed companies. A one-month salary slip can suffice if the applicant has recently joined employment with the company.
Preferred processing: With the advent of digitalisation and online processing, applicants from listed companies can apply for a personal loan online. The KYC video verification allows the Bank to disburse funds quickly.
