Jana Small Finance Bank Gold Loan

Gold Rate: ₹ 5,121 Per Gram

⍟ Interest Rate 7.0% p.a. ⍟

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Unlock the Real Value of your Gold
Lowest Rate of Interest
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

Jana Small Finance Bank Key Features

Loan Amount Up to Rs. 1 crore
Jana Small Finance Bank Gold Loan Interest Rate 7.0% 
Jana Small Finance Bank Gold Loan Per Gram Rate Per Gram is Rs. 5,121
Processing Fee 0.85% of the loan amount + GST
Prepayment Charges 0-2%
Repayment Tenure Up to 36 months
Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

Advantages of Jana Small Finance Bank Gold Loan

Fewer Documents: Document requirements for availing a Jana Small Finance Bank Gold Loan Bank are quite less. The applicants are not asked to provide lengthy proofs in order to avail of the financial service.

Easily Accessible: Another feature is, Availability of the Jana Small Finance gold loan service is great. People can easily avail of gold loans at their closest branches.

CIBIL Score: In addition to this, Credit Score does not matter in this service, that is, the applicant does not have to worry about low credit repayment history. In fact, if anybody is having a bad repayment history, they can improve the same by taking a Jana Small Finance Bank Gold Loan.

How Much Loan Can I Get Through Jana Small Finance Bank?

As per the ultra-modern riches prices, Jana Small Finance Bank affords a gold loan through thorp regarding  Rs. 5,121. Jana Small Finance Bank riches mortgage dimension per village lately is Rs. 5,121 for 22-carat jewelry considered at the most LTV concerning 75%.

Updated - Gold Loan Per Gram Rate
Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
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
gold loan at 7%

About Jana Small Finance Bank Gold Loan

jana small finance bank gold loan

Jana Bank formerly known as Janalakshmi Bank is a company that provides financial services to the people. This company was founded in 2008, in the state of Bengaluru. Jana Small Finance Bank provides financial services to customers like Gold Loan, Wealth management services, and also Agriculture Loans. Gold Loan is a financial service in which the applicant pledges gold ornaments in the bank in return for the loan amounts.

Jana Small Finance Bank Gold Loan Eligibility

Age 18-75 years
Requirements Gold ornaments (18-22 carats)
CIBIL score Above 500
Nationality  Indian

Jana Small Finance Bank Gold Loan Documentation

Identity Proof Aadhar Card/Pan Card/ Passport/ Voter ID (Any one)
Residence Proof  Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card (Any one)
Agriculture Proof ( if applicable) Agriculture Land Ownership Proof
Photographs 2 Passport sized colored

gold loan at 7%

Jana Small Finance Bank Gold Loan Interest Rates, Fees and Charges

Gold Loan Rate 7.0%
Processing Fee 0.85% of the loan amount + GST
Loan to Gold value Up to 75%
Pre-payment Charges 0- 2%

Types of Jana Small Finance Bank Gold Loan 

  • The agricultural loan provided to farmers for agricultural purposes at a special rate of interest.
  • Non- agricultural purpose loan against gold provided to individuals for all kinds of purposes except agricultural purpose. The rate of interest is slightly higher.

Jana Small Finance Bank Gold Loan Apply Online

  • Visit Dialabank
  • Fill the Gold Loan form
  • Wait for our relationship manager to contact you with the best offers.

Jana Small Finance Bank Gold Loan EMI Calculator

Rate of Interest 6 months 1 Yr 2 Yrs 3 Yrs
7.0% 17008 8652 4477 3088
8.0% 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

gold loan at 7%

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

Your Jana Small Finance Bank gold loan can be repaid in the following ways:

  1. Standing Instruction (SI): If you are a current record holder with the Jana Small Finance Bank, Standing Instruction is the best method of repayment.
  2. Electronic Clearing Service (ECS): This can be utilized if you have a non-Ujivan Small Finance Bank account and might want your EMIs to be charged consequently.

Jana Small Finance Bank Gold Loan Contact Number

For any assistance in case of a gold loan from Jana Small, Finance Bank required you may contact on the number 9878981144.

Gold Ornaments Accepted by Jana Small Finance Bank

Gold jewellery in any form like Gold Bangles, rings, anklets, and Gold necklaces, are accepted for availing a Gold Loan provided they are between 18-24 carats.

Uses of Jana Small Finance Bank Gold Loan

The loan amount acquired by availing the Jana Small Finance Bank Gold Loan service can be used for several purposes such as:

  • To finance personal expenses like a wedding, travel, medical bills, etc.
  • For all your business financial requirements, such as buying raw material, inventory, etc.
    gold loan at 7%

FAQs About Jana Small Finance Bank Gold Loan

What is Jana Small Finance Bank Gold Loan?

Gold Loan from Jana Small Finance Bank causes you to open the genuine capability of your inert gold. With insignificant documentation, fast payment, and complete wellbeing of your gold, Jana Gold Loan is the most straightforward and snappiest approach to get assets for your prompt individual and business prerequisites.

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

Availing Gold Loan from the Jana Small Finance Bank is a hassle-free and straightforward process:

  • Fill in your vital information in the form available on Dialabank.
  • Our trained Relationship Manager will get in touch with you within 30 minutes.
  • We will suggest you the loan according to your personal requirements, in your specific city.
  • Visit the assigned branch of the bank.
  • Get the loan sanctioned in just 30 minutes.

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

The loan rate per gram is Rs. 5,121 of gold by Jana Small Finance Bank varies daily, and you will have to contact the customer care executive for the same. The Bank gives a Loan to Value of 75%.

How does Jana Small Finance Bank Gold Loan work?

The Jana Small Finance Bank Gold Loan is a secure credit availing service available for those who have urgent cash requirements and can pledge gold ornaments as security. Once the gold pledged with the bank is valued, the bank processes the loan amount in your indicated account immediately. Various repayment options are available for repaying the loan.

 What is the Gold Loan interest rate in Jana Small Finance Bank?

Jana Small Finance Bank Gold Loan Interest Rate is 7.0%.

 How to check Jana Small Finance Bank Gold Loan status?

Check the status of your Gold Loan by visiting the bank’s branch and contacting the loan officer who is in charge of your file.

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

Use Dialabank’s EMI Calculator to know your EMI and Interest Rate.

 What is the maximum loan amount I can avail on Gold Loan from Jana Small Finance Bank?

You can get a maximum amount of Rs 1 crore on a Jana Small Finance Bank Gold Loan as the bank offers around 75% of the gold ornaments market value.

 What is the loan tenure of Jana Small Finance Bank Gold Loan?

The maximum tenure of your Jana Small Finance Bank Gold Loan is up to 36 months. However, you’ll be required to renew your loan plan after a year.

✅ How much Processing Fee is applicable on Jana Small Finance Bank Gold Loan?

A processing fee is up to 0.85% of the loan amount + GST of the loan amount or Rs. 1000 whichever is higher is charged.

 How to renew Jana Small Finance Bank Gold Loan?

Renewal of the Gold Loan by Jana Small Finance Bank can be done by visiting the bank branch with all your documents related to the gold loan, getting the gold kept as security released, and revalued based on the market prices and agreeing on the new terms formed.

 What are the charges for renewal in Jana Small Finance Bank Gold Loan?

Bank charges approximately Rs. 250 – Rs. 500 for renewal of the gold loan.

 What are the charges for Prepayment in Jana Small Finance Bank Gold Loan?

Jana Small Finance Bank charges nothing for the prepayment of the gold loan.

 How to pay Jana Small Finance Bank Gold Loan Interest online?

The bank provides various methods to pay the loan amount such as a Standing Instruction or an ECS. For mo contact the customer care executive of the bank or visit the branch directly.

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

If someone defaults on the payments of Jana Small Finance Bank Gold Loan interest for 3 months, a penalty fee is charged on the total amount due, and in case of repeated defaults, the bank will have the authority to auction your gold ornaments to recover the amount publicly.

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

You can apply for the Jana Small Finance Bank Gold loan moratorium online by logging in with your credentials or by personally visiting the main branch. The moratorium request has to be submitted at least five working days before the due date of your EMI.

How to pay Jana Small Finance Bank Gold loan through credit card?

As per RBI Guidelines, Jana Small Finance Bank Gold loan cannot be repaid via credit cards. Other payment modes such as net banking, debits cards, cheques, DDs can be used for loan repayment.

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