⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 4,680
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Jana Small Finance Bank Gold Loan

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Jana Small Finance Bank Key Features – Apply Now

Jana Small Finance Bank Gold Loan Interest Rate Starting 7.0% per annum
Jana Small Finance Bank Gold Loan Rate Per Gram Rate Per Gram Today is ₹ 5,121
Jana Small Finance Bank Gold Requirement Minimum 18 Carat
Jana Small Finance Bank Gold Loan Processing Fee 1% of the Principal Loan Amount
Jana Small Finance Bank Minimum Loan Amount 90% LTV on Your Gold Market Price
Jana Small Finance Bank Maximum Loan Amount Up to Rs. 1 Crore (With Income Proof)
Jana Small Finance Bank Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
Jana Small Finance Bank Repayment Tenure 6 Months to 12 Months
Jana Small Finance Bank Gold Loan Schemes Bullet Payment Scheme, EMI Scheme

How many loans 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%.

Jana Small Finance Bank Gold Loan Per Gram-Update Jan 2021

Updated – Gold Loan Per Gram Rate w.e.f 1st Jan 2021

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
 

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%

हिंदी में पढ़े | தமிழில் படியுங்கள்

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 Jana Small Finance Bank Gold Loan Interest Rate is slightly higher.

Advantages of Jana Small Finance Bank Gold Loan

Advantages of Jana Small Finance Bank Gold Loan via Dialabank

  1. Multipurpose – Jana Small Finance Bank Gold loan can be used for any legitimate purpose, ranging from education to housing or business.
  2. Quick approval – You can avail of Jana Small Finance Bank Gold Loan without any hassles, with minimal paperwork and lenient eligibility criteria.
  3. High quantum – Borrowers can avail of a Gold loan of different denominations, subject to their requirement and background.
  4. Competitive interest – Jana Small Finance Bank Gold loan comes at a competitive rate of interest on Term Loan, Overdraft and EMI based loan and making repayment light on the pocket. Repay your gold loan in lower EMI, over a tenor of your choice.
  5. Prepayment – Borrowers can choose to prepay the Jana Small Finance Bank Gold loan without any worry of prepayment charges.
  6. Collateral Held securely– Any gold surrendered to the Jana Small Finance Gold Loan bank as collateral is kept safely in a locker, so you don’t have to concern about the safety or security of your gold.
  7. Quick and Efficient Servicing– Over the counter disbursement in just 50 minutes with minimal documentation
  8. Complete Transparency– Gold Loan rates and other charges are communicated upfront in writing, along with the quotation, so you don’t have to worry about any hidden costs or fees.
  9. Foreclosure – Jana Small Finance  Bank charges a borrower up to .50% on the principal outstanding in case of a Gold Loan Foreclosure.

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%

हिंदी में पढ़े | தமிழில் படியுங்கள்

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 jewelry 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:

Jana Small Finance Bank Agricultural Jewel Loan Scheme

Scheme Jana Small Finance Bank Agricultural Jewel Loan Scheme
Interest Rate  Starting from 7% (depends on the sum of the loan
Least amount of Loan Depends on the value of  jewel which is being kept as security
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits of Jana Small Finance Bank Agricultural Jewel Loan Scheme

  • There is no processing fee is applicable up to ₹ 25,000
  • 0.30% of the loan amount, Minimum of ₹ 300 charge is applicable to the amount ranging from above ₹  25,000 – less than ₹ 5 lakh
  • 0.28% of the credit sum, subject to at least Rs.1,500 is applicable to the amount more than Rs.5 lakh however under Rs.1 crore
  • Jewel Loan Interest Rate is 7.00% per annum.

Jana Small Finance Bank Gold Loan Overdraft Scheme

Jana Small Finance Bank Offers an Overdraft Scheme. With this, you are provided loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Gold Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In Jana Small Finance Bank Gold Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

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?

Apply 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 is the Jana Small finance bank gold loan per gram?

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%. The Gold Loan Per Gram with Jana Small Finance Bank is high.

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 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, the Jana Small Finance Bank Gold loan cannot be repaid via credit cards. Other payment modes such as net banking, debit cards, cheques, DDs can be used for loan repayment.

✅ What is the Jana Small Finance Gold Loan customer care number?

For contacting Jana Small Finance Gold loan call at 9878981144 .

✅ What is the Jana Small Finance Gold Loan closure procedure?

  • Just go to the bank with the documents.
  • Write a letter for pre-closure of the Jana Small Finance Gold loan account.
  • Pay the pre-closure charges as per Jana Small Finance Gold Loan.

✅ What is the Jana Small Finance Gold Loan preclosure charge?

Up to 2% preclosure charge before 3 months, after that 0.50%.

✅ What is the Jana Small Finance Bank Gold Loan overdraft scheme?

For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at Jana Small Finance bank is provided, it gives you an online way to get your own overdraft, also known as Smartdraft – Overdraft Against Salary. You do not need to visit bank branches and go through a boring process. Just log in to the Jana Small Finance Bank online banking portal and from there you can fill out a simple form and get an overdraft under your name.

✅ What is the Jana Small Finance Gold Loan maximum tenure?

Maximum tenure of the Jana Small Finance Gold loan is 36 months.

 What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months.

What is the foreclosure procedure for Jana Small Finance Bank Gold Loan?

The Bank charges a borrower up to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.

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