Regarding staff loan, no applicable labour laws are in place. You may have to devise suitable HR policies in place, for proper administration of Loan. You can introduce different types of loan, like Vehicle loan (purchase of 2-wheeler, 4-wheeler etc). Some companies have loan scheme like this, which is also interest free, for the benefit of their staff. Only thing the staff need to ensure that, the vehicles purchased using loan facility by the company, shall have to be hypothecated in the name of company, till the loan amount is recovered in full. Some companies may impose a simple interest (lower than the bank rate) for staff loan.
Similarly, you can also introduce other loaning such as, self-education loan, personal loan,
marriage loan, for the benefit of staff., subject to ceiling, at the discretion of management, and loan amount subject to the cadre of staff.