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Employees of Cognizant can enjoy discounts and special offers in almost all aspects of buying from car purchases, consumer goods stores to credit cards and personal loans. Cognizant is rated as a super category A company which entitles its employees to avail personal loans at interest rates from 11.49% to 13%. Most banks will also provide special offers every month to companies such as Cognizant on interest rates and processing fees. Employees of CTS, after meeting eligibility criteria, can expect to get the lowest interest rate on personal loans from all banks and financial institutions.