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

About Jana small finance bank gold loan

Jana small finance bank gold loan helps their customers obtain their various monetary requirements like medical emergency, travel, wedding etc. For easiness of customers the Bank is committed to easy documentation as well as quick allotment with the motive to help customers to avail a lot of services and making their life easier by being better at finance management.

Why opt for Jana small finance bank gold loan

Uniquely, jana small finance bank grants you Gold Loan starting at Rs.10000 to Rs.15 lacs depending on the client’s financial power, cibil score, and professional background.
Furthermore, customers can benefit the Gold Loan without much tension, and they can have their request permitted inside four working hours.
Also, no Guarantor or Cosigner is required to avail the Loan.

Eligibility

Salaried

Profession: The person should be working in a government, private or MNC Company.
Eligible Age: The Minimum age to apply for a Personal Loan is 23 years.

Self-Employed

Eligible Age: The Minimum age to apply for a Personal Loan is 19 years.

Profession: The Person should be professionals like Doctors, CA, CS, Architects, Lawyer, or, doing his own business.
The borrower must possess an updated Aadhaar ID.
The customer should hold an active bank account that has an internet banking facility.

 Interest rate

Interest rates start from 10- 16%

Documents Required

Salaried

Identity Proof: Adhar Card, Passport, Voter ID card or Driving License
Address proof: Ration card, Passport, rent agreement, electricity/water bill.
Last six months Bank statement & 3 months’ salary slip

Self-Employed

Identity Proof: Adhar Card, Passport, Voter ID card or Driving License
Address proof: Ration card, Passport, rent agreement, electricity/water bill.
Equally, important are last six months Bank statements.
Likewise, Latest ITR along with computation of income along with P/L audited by certified CA for the previous two years.

About jana small finance bank

Jana Small Finance Bank, also known as Janalakshmi Financial Services, is located in Bengaluru. It is one of the top 10 financial institutions which had got in-principle approval from RBI, in 2015, to establish a Small Finance Bank. Established in Bengaluru in 2008, it went on to become the largest Micro Finance Institution (MFI) in India, and was acknowledged globally as one of the world’s most innovative financial institutions pledged towards limiting the problem of financial inclusion. Jana Bank received the required banking license in April 2017 and started operations on March 28, 2018. Under the leadership of its MD & CEO, Ajay Kanwal, Jana Small Finance Bank’s motive is to become the leading digitised bank serving all customer types and communities of a growing India.

FAQs (Frequently Asked Questions)

Q1. Why should I take a gold loan from jana small finance bank?
Ans. Jana small finance bank gold loan per gram allows you to know an estimate of the amount of Loan you can get in exchange for your gold jewelry. Moreover, Credit is provided based on the purity of gold and the price of your jewelry adjusted for Loan to value the ratio.
Q 2. What interest is charged Jana small finance bank gold loan?
Ans. 10.70% is the minimum interest rate charged by the Bank.
Q 4. What is the tenure?
Ans: The tenure of Gold Loan is 3-12 months.
Q 5. What amount Gold Loan amount I can borrow?
Ans: Comaparatively, The applicant can get a loan amount of Rs. 10 thousand-2 lacs at maximum for three year.
Q 6. How much is the processing fee?
Ans: The processing fee charged is 1% for gst.
Q 7. Is age an eligibility criterion in getting a Gold loan?
Ans: Yes, age is a factor to apply for a Gold loan. The minimum age of the applicant should be 18years.
Q 8. Do prepayment charge on a Gold loan from jana small finance bank apply?
Ans: The pre-closure charges are 0.

Gold Loan at 1%* p.m.

Apply & Get Instant Money

Leave a Reply

Your email address will not be published. Required fields are marked *