These government banks give you a personal loan at a low interest rate.

Low Rate Personal Loan: If you suddenly need money from a coronavirus epidemic, this is the news for you.  You can get a personal loan at a very low rate.  Many state-owned banks are offering private loans at very low rates.  Punjab National Bank and Union Bank of India are offering personal loans at low interest rates.

 
According to Bankbazar.com, Union Bank of India is offering Rs 5 lakh for five years at an initial rate of 7.9 per cent.  Thereafter, Punjab National Bank and Central Bank of India are offering personalized offerings at 8.95%.
 
Interest rates are relatively low due to the softening of interest rates in the system, but they are nevertheless higher than gold loans and top-up loans.  Explain that gold interest rate starts from %%.  Therefore, it is better to take personal take only when there is no other way.  You may want to consider other options instead of personalization.
 
You can also take out a loan in the name of your insurance policy, in addition to these, you can also take a loan against EPF, Public Provident Fund (PPF), shares and mutual funds.  This method of taking is also very easy and fast.  If you take a 6-month deferral or personal loan last year due to the benefit of the Reserve Bank of India, you must first take immediate steps to reduce your loan burden.
 
While your LIC policy protects your future, it can also meet current needs.  If you have an LIC policy, you can apply for it.  You can take loan in endowment policy and money back policy.  Such policies have a life cover as well as a savings factor, so that banks do not have any problem in sanctioning loans.  Remember you will not get loan in ULIP and term insurance.
 
According to Bankbazar, many other life insurance companies besides LIC, such as Adelewis Tokyo Life and ICCI Prudential Life Banks, offer loans to HDN, HDFC Bank, ICICI Bank and State Bank of India customers in their insurance policies.