Jana Small Finance Bank Gold Loan

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About 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 the year 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 type of financial service in which the applicant pledges gold ornaments in the bank in return of loan amount.

Jana Small Finance Bank Gold Loan Eligibility

  1. The gold should be in the name of the applicant or family member.
  2. The applicant should be a resident of India.
  3. The age of applicant shall be between 18-70 years.
  4. The minimum loan amount is ₹18000 and it can go up to ₹1 Crore depending on the quality of gold.

Documents Required for Jana Small Finance Bank Gold Loan

  • Proof of Adress of Applicant: Aadhaar Card /Pan Card/Valid Driving License/ Ration Card/ Utility Bills on the name of applicant/ Rental Agreement of applicant/ Voter ID card.
  • Applicant’s Proof of Identity: Aadhar Card/ Pan Card/ Driving License/ Voter ID Card
  • Signature Proof: The documents considered for proof of signature are namely, Bank’s Verification document/ Valid Passport.
  • 2 passport size colored photographs.

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 the financial service.

Easily Accessible: Another feature is, Availability of Jana Small Finance gold loan service is great. That is, people can easily avail a gold loan at nearby branches. It is not tough to find a nearby branch.

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.

Charges of Jana Small Finance Bank Gold Loan

Jana Small Finance Bank Gold Loan

Prepayment Charges

The company does not charge anything from the customer if the applicant wants to close the loan before the tenure completion.

Penal Charges

If the applicant misses the payment of a particular month then, the customer has to pay an extra of 4% of the overdue amount. Thus, the applicant should pay timely to avoid late payment charges.

Loan Processing

Jana Small Finance Bank do not any fees for applying for a Gold loan. That is, the applicant does not have to pay anything extra to the bank for the loan application.

Jana Small Finance Bank Gold Loan Interest Rate

  • The Gold Loan Interest Rate starts at 11%-12% p.a.
  • The financial organization provide these loans for 1 to 4 years.

Jana Small Finance Bank Gold Loan Amount

The Loan amount of the applicants depends upon two main factors that are quality and quantity of gold. That means, the applicants having different carats of gold will be provided with distinct loan amounts. Similarly, the weight of the gold is also a factor that decides the loan amount.

Minimum Weight Required= 10 Grams

For 10 Grams of 18 Carat Gold

For 10 Grams of 19 Carat Gold

  • Gold Loan amount= 17,000.
  • Gold Loan Per Gram= 1,700.

For 10 Grams of 20 Carat Gold

For 10 Grams of 21 Carat Gold

  • Gold Loan amount= 18,000.
  • Gold Loan Per Gram= 1,800.

For 10 Grams of 22 Carat Gold

  • Gold Loan amount= 18,500.
  • Gold Loan Per Gram= 1,850.

Note: Gold of 24 Carat purity is not approved a Gold Loan.

How to Apply?

To begin, the applicant has the option to apply for a gold loan in two ways:

Online Process

  1. The applicant can apply for a Gold Loan at the comfort of their home.
  2. Firstly, Search for www.dialabank.com on google.
  3. Next, A form will open up.
  4. Furthermore, Fill the form with the required information.
  5. Finally, You will get assisted by us further.

Offline Process

To initiate, The applicant can apply for a Gold Loan through the nearby branch of Jana Small Finance Bank. In order to find a branch nearby, search Gold Loan near me on google. Next, google enlists all the nearby branches where one can avail a gold loan. You can go to the most suitable branch for you and get the loan. But, this procedure is quite tiring.

* For any assistance regarding Gold Loan, call us on 95920-46860 or 60011600, our trained Relationship Managers will provide you best information.

FAQs About Jana Small Finance Bank Gold Loan

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

Gold Loan rate per gram depends on the purity of your gold varies depending on the market price prevailing in the market.

Q. What is Jana Small Finance Bank Gold Loan?

Gold Loan from Jana Small Finance Bank gives you immediate funds with minimal documentation, quick disbursement, and complete safety of your gold, Jana Small Finance Bank Gold Loan is the easiest and quickest way to get funds for your personal and business requirement of funds. You can avail loans for amounts as low as ₹5000.

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

The rate of interest charged on Gold Loans is less than other loans as these are fully secured. The interest rate that will be charged depends upon the total amount of the loan that is to be borrowed.

Q. How to pay Jana Small Finance Bank Gold Loan online?

The bank gives you easy repayment options for your Gold Loan. You can contact the customer care executive or visit the branch directly for more information.

Q. How to apply Gold Loan in Jana Small Finance Bank?

The application process for Jana Small Finance Bank Gold Loan is a simple and hassle-free process. You can do so by visiting the nearest branch of the bank or apply online from the bank’s official website. You can also apply through Dialabank’s digital platform to avail the best offers.

Q. How to renew Jana Small Finance Bank Gold Loan online?

You have to be physically present in the bank branch for the renewal process as the gold ornaments have to be dealt with in the process. Call on the customer care number to know the exact process.

Q. How to take Gold Loan from Jana Small Finance Bank?

Taking Gold Loan from Jana Small Finance Bank is a simple process as you just need to apply for the loan and you can get the disbursal within 90 minutes provided the gold that you wish to pledge and the documents that are submitted are in order. To compare and get the best deals from all bank spread across the country, apply through Dialabank’s digital platform for your gold loan.

Q. What is Gold Loan in Jana Small Finance Bank?

Gold Loans in Jana Small Finance Bank is a financial service provided by the bank that gives you loan by keeping your gold ornaments as the security of the loan. You do not need an income proof or a good credit score to take the service. Amount of the loan depends upon the quality and the quantity of the gold and the market prices of the gold.

Q. How to get Jana Small Finance Bank Gold Loan?

Jana Small Finance Bank Gold Loan is a credit service that can be availed to fulfil urgent monetary needs. You can easily get a Gold Loan by visiting the branch with your gold and applying for the same with the loan officer. You can also apply online with Dialabank for convenience and to get personalized assistance.

Q. How to check Jana Small Finance Bank Gold Loan status?

You can check the status of your Gold Loan by contacting the customer care executive of the bank or by visiting the branch physically and meeting the officer in charge of your loan file.

Q. How to close Jana Small Finance Bank Gold Loan?

Jana Small Finance Bank gives you the option of paying quarterly, half-yearly or yearly instalments of the amount due. For more details visit the nearest branch of the bank today.

Q. How to renew Jana Small Finance Bank Gold Loan?

You can renew your Gold Loan from the same branch where the loan was initially approved. Your pledged gold is first released then revalued according to the current market rates. For more information contact your nearest loan branch.

Q. What happens if someone defaults Jana Small Finance Bank Gold Loan?

If someone defaults on the Gold Loan, the bank will charge a penalty fee and may even sell your gold in a public auction to recover the money.

Q. How many branches of Jana Small Finance Bank Gold Loan?

The Jana Small Finance Bank has over 250 branches all over the country providing financial services.

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