Jana Small Finance Bank Gold Loan Documents Required

GOLD LOAN @ 0.57%*
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⍟  Highest Rate Per Gram
⍟  Lowest Interest Rate of 0.57% p.m.

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    Jana Small Finance Bank Gold Loan Documents Required

    Features of Jana Small Finance Bank Gold Loan

    You can meet your demands on your own with a Jana Small Finance Bank Gold Loan, which can provide cash in as little as 45Jana Small Finance Bank Gold Loan Documents Required minutes! The Bank Gold Loan is your one-stop shop for all of your urgent financial requirements. Whether it’s for schooling, business growth, individual needs, medical emergencies, or any other specific end-use, our Loan is all you’ll need. Visit the dialabank website to connect and avail other services.

    So features of the gold loan are:

    • The loan amount is disbursed promptly.
    • Get credit quickly without having to visit a bank by using a web platform for gold loans.
    • There is no consequence for paying in advance.
    • Reducing Balance Interest Charges.
    • Monthly repayments.

    Jana Small Finance Bank Gold Loan comparison with banks

    Bank / NBFC Rate Per Gram Interest Rate Gold Loan Tenure Min – Max Loan Amount
    ₹ 3,506 to ₹ 4,621 0.099 3 to 24 months ₹ 10 thousand to 5 crore
    ICICI Gold Loan ₹ 3,506 to ₹ 4,621 0.1 6 to 12 months ₹ 10 thousand to 5 crore
    ₹ 3,506 to ₹ 4,621 0.12 7 days to 36 months ₹ 3 thousand to 1 crore
    ₹ 3,506 to ₹ 4,621 0.1225 12 months ₹ 3 thousand to 1 crore
    ₹ 3,506 to ₹ 4,621 0.1025 36 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.1 3 to 36 months ₹ 10 thousand to 5 crore
    SBI Gold Loan ₹ 3,506 to ₹ 4,621 0.0975 12 to 36 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.075 3 to 36 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.1025 12 months ₹ 20 thousand to 50 lakh
    ₹ 3,506 to ₹ 4,621 0.1025 12 months ₹ 10 thousand to 5 crore
    IIFL Gold Loan ₹ 3,506 to ₹ 4,621 0.12 11 months ₹ 3 thousand to 50 lakh

    Jana Small Finance Bank Gold Loan EMI calculator

    We can take a Loan Against Gold at any point. The regular outflows will be there inside your limit thanks to our adjustable term and return choices. Gold loans from institutions give you instant exposure to funds secured by jewellery. A loan calculator is a tool that will make the application procedure much easier for you. Use this to figure out how much your gold is worth and how much you’d borrow against it based on its form (gold pieces, jewels) and cartage.

    Jana Small Finance Bank Gold Loan Documents Required

    At the time of application the following documents are required:

    • Proof of the citizenship of India
    • Duly filled application form
    • 2 passport-sized photographs
    • Applicant’s KYC documents to establish Identity and Address
    • Salary/ Income Proof
    • Witness Letter in case of illiterate borrowers
    • In the case of Agriculture Loan of more than Rs. 1 lac, land proof
    • Certificate by the Jewel Appraiser (Bank will arrange)

    At the time of disbursement the following documents are required:

    • Demand Promissory Note & Demand Promissory Note Take Delivery Letter
    • Gold Ornaments Take Delivery Letter
    • Arrangement Letter

    Jana Small Finance Bank Gold Loan Documents Required – FAQs

    Is it possible for me to pay back the loan in instalments?

    We can indeed return a loan in instalments. The gold pledged will not be returned until the whole loan sum is paid back.

    What are the advantages of a gold loan?

    The following are some of the primary advantages of taking out a gold loan:

    • Interest rates are reasonable and processing fees are low.
    • There is very little documentation.
    • Charges for loan foreclosure are minimal or non-existent.
    • Repayment terms that are flexible.
    • LTV ratio is high.
    • Various options for loan payback.

    Is taking a gold loan safe?

    Gold loans are regarded as a secure investment. Physical gold may not be worth much or at all, but borrowers can utilise gold loans to cover a variety of expenses.