I assume that you want to add the key "personal" to the hash and use the arrayref as the associated value. Refer to section "Using References' of perlref. The paragraph which begins "Anywhere you'd put an identifier..." always works.

use strict;
use warnings;
use Data::Dumper;
my $arrayref = [
                 'Country',
                 'location',
                 'language'
                 ];
my $hashref = {

            'name'        => "Harsha",
            'designation' => "Manager"
};


${$hashref}{personal} = $arrayref;

print Dumper($hashref);
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OUTPUT

$VAR1 = {
          'name' => 'Harsha',
          'designation' => 'Manager',
          'personel' => [
                          'Country',
                          'location',
                          'language'
                        ]
        };
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