Jana Small Finance Bank Gold Loan

Gold Loan at 1%* p.m.

Apply & Get Instant Money

Jana Small Finance Bank Gold Loan Key Features – Apply Now!

Jana Small Finance Bank Gold Loan Interest Rate 7.11% per annum
Jana Small Finance Bank Gold Loan Per Gram Rate Per Gram Today is ₹ 5,032
Jana Small Finance Bank Gold Loan Amount Up to Rs. 1 Crore (With Income Proof)
Jana Small Finance Bank Gold Loan Processing Fee 1.50% of the Principal Loan Amount
Jana Small Finance Bank Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Jana Small Finance Bank Gold Loan Repayment Tenure 3 Months to 24 Months
Jana Small Finance Bank Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of Jana Small Finance Bank Gold Loan:

  • Quick Processing: The approval and disbursal methodology of the Jana Small Finance Bank Gold Loan is speedy and simple. The Loan gets typically passed in an associate hour.
  • Low-Interest Rate: The gold loan charge per unit is far lower as compared to alternative loans because it could be a secured loan.
  • Minimal Documentation: The documentation technique is easy and straightforward; the littlest quantity vary of documents unit required for approval of the Jana Small Finance Bank gold loan.
  • Transparent System: we tend to apply no secret charges on the Loan. The bank aims to remain all clear to you.
  • Loan Amount: The minimum amount of Loan getable to customers is Rs. 15000. Many times, it’s usually however Rs ten,000 in remote areas.
  • Security of Jewellery: We unit is in charge of the security of your gold. Thus, the gold is unbroken throughout an incombustible vault.
  • Loan Tenure: The loan tenure of the gold loan will vary from three months to two years. you will be ready to decide tenure in keeping together with your comfort.
  • Advantages for Farmers: Jana Small Finance Bank provides some special offers for agricultural functions. That indicates the bank offers the farmers a rather lower Gold loan charge per unit for agricultural usage.
  • No Debt Trouble: Sometimes there will arise things within which associate human is unable to pay back the loan quantity, in such a case the human won’t be beneath debts because the bank can confiscate the ornaments unbroken by you.
  • No financial gain bounds: There aren’t any such limitations concerning the wage or financial gain of the lender; so, anyone with any financial gain varies will avail of a gold loan anytime.

 

How Much Gold Loan can I Get through Jana Small Finance Bank Gold Loan:

Jana Small Finance Bank Gold Loan Per Gram – Updated September 2020

Updated - Gold Loan Per Gram Rate

Gold Weight

Gold Purity

Gold Purity

Gold Purity

Gold Purity

24 Carat

22 Carat

20 Carat

18 Carat

1 gram

4680 4290 3900 3510

10 gram

46800 42900 39000 35100

20 gram

93600 85800 78000 70200

30 gram

140400 128700 117000 105300

40 gram

187200 171600 156000 140400

50 gram

234000 214500 195000 175500

100 gram

468000 429000 390000 351000

200 gram

936000 858000 780000 702000

300 gram

1404000 1287000 1170000 1053000

400 gram

1872000 1716000 1560000 1404000

500 gram

2340000 2145000 1950000 1755000

Jana Small Finance Bank Gold Loan Eligibility:

Age

18-70 years of age

Nationality

Indian

Employment Status

Salaried, Self-Employed

Gold Quality

Minimum 18 Carats

Jana Small Finance Bank Gold Loan Documents Required:

Photographs

2 Passport Size

Identity Proof

Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

Residence Proof

Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)

Jana Small Finance Bank Gold Loan Interest Rate, Fees, and Charges:

HDFC Gold Loan Interest Rate

7.00% per annum

Processing Fee

1.50% of the Principal Loan Amount

Prepayment/Foreclosure Charges

2%+GST (Within 3 Months), 0 (After 3 months)

Valuation Fee

Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs

Late Repayment Charges

2% p.a. + Applicable rate of interest.

Renewal Processing Fees

Rs 350 + GST

About Jana Small Finance Bank Gold Loan:

If you are suffering financial problems, defeat your crises with the foremost reasonable selection, Gold Loan. The Loan that is provided towards gold is remarked as Gold Loan. The recipient keeps his gold ornaments as collateral with the capitalist and takes the cash. Get immediate approval and a hassle-free technique. getable on easy documentation. A gold loan might be a secured loan. Therefore, the one who contains an occasional CIBIL rating also can merely avail of this service. Jana Small Finance Bank Gold Loan is one of the foremost effective gold loan offerings in India.

Though their unit expansion of economic banking and non-banking businesses that supply you with a gold loan service, however, Jana Small Finance Bank Gold Loan is taken into thought the foremost. it’s one of the very best acknowledged and dependable banks in India. Also, it’s celebrated for its fantastic economic services. So, apply for the Jana Small Finance Bank Gold Loan and avail the foremost effective offers on your product.

  • Jana Small Finance Bank Gold Loan Interest Rate is 7.10% per annum
  • Jana Small Finance Bank Gold Loan Per Gram is ₹ 5,255
  • Jana Small Finance Bank Gold Loan Tenure: Up to 24 months
  • Jana Small Finance Bank Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST

Types of Jana Small Finance Bank Gold Loan:

Jana Small Finance Bank offers you varied schemes related to the Gold Loan product that unit listed below:

  • Loan Against Gold – Jana Small Finance Bank provides Gold Loan at partaking rates of interest to satisfy anyone’s dire necessity of funds for any purpose whether or not or not or not personal or proficient. The gold loan therefore is secured then. The bank has no risk in granting the number to the individual, therefore it’s provided at a lower rate of interest compared to varied varieties of Loan merchandise.
  • Loan Against Gold for Agriculture – Jana Small Finance Bank provides Gold Loans specifically for agriculture functions to farmers at a specific rate of interest as compared to gold loans given for various uses. they are given special offers that they need to find yourself the bank Land proofs that they are taking the Loan.

Jana Small Finance Bank Gold Loan EMI Calculator:

Rate of Interest
6 months
1 Yr
2 Yrs
3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466

How to Pay Your Jana Small Finance Bank Gold Loan EMI?

Your Jana Small Finance Bank gold loan is often reimbursed at intervals the next three numerous methods:

  • Standing Instruction (SI): Standing Instruction is that the most effective associated most reliable methodology of payment if you are presently associate account holder with Jana Small Finance Bank. Your EMI amount is credited automatically towards the highest of the month to month quantity from the Jana Small Finance Bank account you show.
  • Electronic Clearing Service (ECS): This payment methodology is typical sometimes, implemented if you’ve got got a non-Jana Small Finance Bank record and may want your EMIs to be debited consequently on the topic of the decline of the month to month technique from the account you mention to us.
  • Post-Dated Checks (PDC): you will be ready to reveal your post-dated EMI reports from a non-Jana Small Finance Bank budget at your nearest Jana Small Finance Bank loan Center. a special version of PDCs got to be granted quickly. Please note Post Dated Checks unit attending to be collected non-ECS states as a result of it completely was.

Jana Small Finance Bank Gold Loan Contact Number:

Call 9878981144 and acquire immediate facilitate and approval for your Jana Small Finance Bank Gold Loan. you will be ready to quickly get to know the foremost compelling offers on Gold Loan out there from all the Jana Small Finance Bank Branches throughout the country to avail the foremost economical deal applicable to your needs.

 

Gold Ornaments Accepted by Jana Small Finance Bank:

  • Gold jewellery, as an example, Gold Bangles, Gold bands, Gold anklets, Gold necklaces, etc. all of these ornaments are collected by Jana Small Finance Bank for availing a Gold Loan.
  • Quality: The quality of gold must be between 18 Carat to 22 Carat. Any gold ornament that is 24 Carat can’t be used when applying for a gold loan.

 

Use of Jana Small Finance Bank Gold Loan:

The funds collected by availing the Jana Small Finance Bank Gold Loan is additionally used for several functions such as:

  • To finance any specific investments like matrimony, hiking, instalment of higher tuition payments, etc.
  • For all of your promoting requirements, like obtaining provides, developing, promoting, etc., loan service is sometimes getable.
  • You can add what is more avail of a Gold Loan for agriculture ideas. The bank presents lower costs of interest for Gold Loans that area unit used for farming or connected comes.

Gold Loan Interest Rate of Major Banks

Bank

 Interest Rates

HDFC Bank Gold Loan

7.11% – 14.50%

ICICI Gold Loan

7.11% – 16.10%
Muthoot Finance Gold Loan

7.11% – 24.00%

Axis Bank Gold Loan

7.11% – 17.11%
Manappuram Gold Loan

7.11% – 26.00%

Yes Bank Gold Loan

7.11% – 15.99%
Bank of India Gold Loan

7.11% – 26.00%

Federal Bank Gold Loan 

7.11% – 13.50%
IIFL Gold Loan

7.11% – 12.00%

Central Bank of India Gold Loan

7.11% – 14.65%

Canara Bank Gold Loan

7.11% – 12.65%

Allahabad Bank Gold Loan

7.11% – 10.45%

Induslnd Bank Gold Loan

7.11% – 15.75%
PNB Gold Loan

7.11% – 11.75%

Bajaj Finance Gold Loan

7.11% – 26%
SBI Gold Loan

7.11% – 15.99%

Indian Bank Gold Loan

7.11% – 15.99%
UCO Bank Gold Loan

7.11% – 26.00%

Kotak Mahindra Bank Gold Loan

7.11% – 13.50%
Syndicate Bank Gold Loan

7.11% – 12.00%

 

FAQs About Jana Small Finance Bank Gold Loan:

  • What is Jana Small Finance Bank Gold Loan?

    Jana Small Finance Bank Gold Loan could be a style of loan that you will simply avail for immediate monetary facilitate by holding your gold as parallel with full security to the bank. It additionally comes with partaking interest rates on Term Loan, Overdraft, and EMI primarily based on the loan. The standard Gold Loan disbursal time is simply 45 minutes.

  • How can I get the Gold Loan from the Jana Small Finance Bank?

    You can get a Jana Small Finance Bank Gold Loan by visiting any of the gold loan approving branches in India; otherwise, you’ll be able to apply online with LendingWale from the convenience of your home and make the most effective deals and offers. It’s one in all the few best banks in India that has Gold Loan services.

  • What is the Gold Loan Interest Rate in Jana Small Finance Bank?

    The Gold Loan rate is 7.10% per annum. The charge per unit depends upon a range of elements, namely: loan quantity, loan tenure, purity of gold, and relationship with the bank.

  • How much Gold Loan can I get per gram in Jana Small Finance Bank?

    The per gram Gold Loan in Jana Small Finance Bank that you can get depends on the purity of your gold. Jana Small Finance Bank accepts gold of purity between 18 carats to 22 carats to deliver a Gold Loan. You will be ready to avail up to ₹ 5,255 Per Gram in Jana Small Finance Bank Gold Loan.

  • How to check Gold Loan status in Jana Small Finance Bank?

    To determine your Jana Small Finance Bank Gold Loan standing, all you have got to try to do is visit the Jana Small Finance Bank loan standing huntsman website and fill in your details among the appliance given. You will be ready to directly track the standing of your loan from anywhere and keep updated.

  • How to calculate Gold Loan Interest in Jana Small Finance Bank?

    You can calculate the interest on your Jana Small Finance Bank Gold Loan interest exploitation the LendingWale’s EMI Calculator that provides you precise amounts supported the information you enter into the calculator.

  • How to Pay Jana Small Finance Bank Gold Loan Interest Online?

    You can quickly pay Jana Small Finance Bank Gold Loan interest online through net banking on the official Federal loan compensation web site or else; you’ll be able to likewise repay your Jana Small Finance Bank Gold Loan on Paytm applying your most opted payment methodology.

  • What if I can’t pay the interest on Jana Small Finance Bank Gold Loan for 3 months?

    If you’re not paying your Jana Small Finance Bank Gold Loan among 3 months, the bank can initial inform you of your incomplete dues. If the payment requests go unhearable, proper legal notice is distributed regarding the compensation and closure of the loan. Defaulting on your Gold Loan ends up in a decrease of your credit score and jointly causes you to be at risk of face legal actions by the bank along with the arrogation and auction of your gold.

  • How can I apply for EMI Moratorium on Jana Small Finance Bank Gold Loan?

    You can see attractiveness for EMI Moratorium on Jana Small Finance Bank Gold Loan presently between the 1st March and 31st August 2020 and possesses to be done by contacting the Bank client care or visiting the closest Jana Small Finance Bank branch.