mumbai in view of the ensuing festive season hdfc bank plans to offer special rates for personal loans to government and defense employees and teachersunder the scheme the bank has planned special offers for all the three categories of customers with 34 per cent waiver on existing rack rates minimum of 145 per cent for personal loans a press release issued here saidthe bank would also provide a 050 per cent discount on processing fees to its salary account holders the bank normally charges 250 per cent as processing feeshdfc has offered a 2 per cent discount on processing charges for all new customers seeking loans against goldcustomers can avail this offering anytime up to september 30 the release said