CAGD Loans

The Civil Servant Loan 

This is available for all Public Servants paid on the Controller and Accountant General Department (CAGD) payroll platform. The facility is available to help government workers finance their dreams.

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    All fees are updated regularly. For current applicable fees, please refer to the  tariff guide.

    Subscription to a loan insurance is compulsory. In the events of death or disability, the loan balance is paid by the insurance company.

    Find out more about the Societe Generale Ghana loans. Simply visit any branch or call the Contact Centre on +233 (0) 302-214 314.

    Ts & Cs apply


    • Teachers, Nurses, Doctors, Laboratory Scientists and Technicians, Other Health workers, Civil Servants within the various Ministries, Departments and Agencies, Local Government Workers and all other government workers. 


    • Any government worker with affordability who does not even have a salary account can benefit from the CAGD loan facility

    • 90% of the affordability can be used to source the loan facility 

    • The purpose of the loan is to fund general expenses, purchase of household items, starting or continuing various projects as well as other personal expense needs

    • The customer fills a loan application form plus the relevant CAGD loan input forms and submit to an SG Bank Officer for processing

    • The loan is disbursed and transferred into the personal account of the borrower


    Flexible repayment duration of up to Maximum tenor of 5 years 


    • A very competitive interest rate 

    • Flexible repayment tenor

    • Loan amount depends on your available affordability

    • Refinancing of more expensive loans from other institutions

    • Service at the comfort of your office