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|
|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
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 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
|Requirements||Gold ornaments (18-22 carats)|
|CIBIL score||Above 500|
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|
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|
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:
- Standing Instruction (SI): If you are a current record holder with the Jana Small Finance Bank, Standing Instruction is the best method of repayment.
- 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.
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.
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%.
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.
Use Dialabank’s EMI Calculator to know your EMI and Interest Rate.
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.
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.
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.
Bank charges approximately Rs. 250 – Rs. 500 for renewal of the 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.
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.
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.
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.