JanaLakshmi Small Finance Bank Agriculture Gold Loan Features & Benefits
JanaLakshmi Small Finance Bank Gold Loan Per Gram Today | Gold Loan Rate Per Gram Today is ₹ 3,800 to ₹ 4,350 |
Eligible Age | 18 to 75 years |
Loan Amount Eligibility | Rs. 1,000 to Rs. 2 Cr |
Documents Required | Basic KYC documents for address and identity proof. No income documents and no CIBIL score documents are required. |
Purity of Gold | 18 carat to 22 carat |
Type of Gold | Gold jewellery and gold coins of 18-24 carats |
Loan to Value Ratio | 25% of the gold ornament’s market value |
The JanaLakshmi Small Finance Bank Agriculture Gold Loan has many features and benefits. These benefits and features include lots of things like the Loan to Value Ratio, Purity of the Gold and Type of the Gold.
JanaLakshmi Small Finance Bank Agriculture Gold Loan Calculator
- The Agriculture Gold Loan Calculator in the JanaLakshmi Small Finance Bank has lots of features and benefits.
- The Loan to Value Ratio is of 75% of the Gold Ornaments in the Market Value and the Purity of the Gold also plays a major role in the JanaLakshmi Small Finance Bank.
- The Purity of the Gold Loans may range between 18-24 carat Golds. This JanaLakshmi Small Finance Bank Agriculture Gold Loan Calculator is used for various Gold Loans.
- The Price of the Gold plays a major role in the Agriculture Gold Loan of JanaLakshmi Small Finance Bank.
- The purity of the Gold and the price of the Gold are dependent on each other. If the Purity of the Gold increases then the Price of the Gold increases. In this way, the Agriculture Gold Loan Calculators works in the Banks.
JanaLakshmi Small Finance Bank Agriculture Gold Loan Eligibility
There are certain requirements that are required to be fulfilled to avail a agriculture gold loan:
Bank
Interest Rate
Lowest EMI/lakh
Eligible loan amount
HDFC Gold loan
9.90%
Rs. 4614
Rs 50 lakh for 24 months
Private Bank
10%
Rs. 8,792
Rs. 15 lakh for 12 months
Axis Bank
15%
Rs. 4,849
Rs. 20 lakh for 24 months
Yes Bank
11.25%
Rs. 3,286
Rs. 50 lakh for 36 months
Muthoot Gold loan
12%
Rs. 3321
Rs 1 cr. For 36 months
Mannapuram Gold loan
12%
Rs. 8,885
Rs 1 cr. For 12 months
Canara Bank
7.65%
Rs. 8,683
Rs. 10 lakh for 12 months
IIFL
9.24%
Rs. 9,516
Rs. 10 lakh for 11 months
IndusInd
10.50%
Rs. 8,815
Rs. 10 lakh for 12 months
Andhra Bank
10.70%
Rs. 8,824
Rs. 2 crores for 12 months
Federal Bank
8.50%
Rs. 8,722
Rs. 75 lakh for 12 months
SBI Gold loan
7.50%
Rs. 3111
20 lakh for 36 months
Documents Required for JanaLakshmi Small Finance Bank Agriculture Gold Loan
Photographs
2 Passport-Sized photos, latest, coloured, clear, without spectacles
Identity Proof
Passport: Valid Copy of passport both front and last page
Voters ID card: Copy of Valid Voter Identity Card
Driving License: Copy of Driving license which is valid.
Adhar card: Copy of Adhar Card with current information
Residence Proof
Passport: Valid Copy of passport both front and last page
Voters ID card: Copy of Valid Voter Identity Card
Driving License: Copy of Driving license which is valid.
Adhar card: Copy of Adhar Card with current information
Utility Bills on the name of the applicant.
Sales Tax Certificate
Rental Agreement
Agricultural Land Proof
Required only if the Loan is taken for Agricultural Purpose. In the case of an Agriculture Loan on the gold of more than Rs. 1 lakh there is no requirement of proof for allied agriculture purposes.
Demand Promissory Note
Certificate by the Jewel Appraiser (Bank will arrange)
JanaLakshmi Small Finance Bank Agriculture Gold Loan Rate Per Gram by Gold Purity
The above table shows the method by which Banks will calculate your per gram gold loan for gold of varying purity.
Gold Purity
Gold Rate Per Gram- Average Of Past 30 Days
Highest Gold Loan Per Gram
Lowest Gold Loan Per Gram
22 carat
₹ 4,620
₹ 4,999
₹ 4,956
20 carat
₹ 3,939
₹ 4,178
₹ 3,795
18 carat
₹ 3,545
₹ 3,784
₹ 3,460
The above table shows the JanaLakshmi Small Finance Bank Agriculture Gold Loan Rates per Gram. And these are based on the Gold Purity.
JanaLakshmi Small Finance Bank Agriculture Gold Loan Interest Rate Per Gram
The following table shows the JanaLakshmi Small Finance Bank Agriculture Gold Loan Interest Rates per Gram.
Updated - Gold Loan Per Gram Rate w.e.f Apr 20 2024
Gold Weight
Gold Purity
24 CaratGold Purity
22 CaratGold Purity
20 CaratGold Purity
18 Carat
1 gram
4621
4290
3900
3510
10 gram
46210
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
Historical Gold Loan Rates Per Gram
The following table shows the Historical Gold Loan Rates Per Gram.
This Table Contains the Average Annual Gold Rate from 1965 - 2022
Year
Price (24 karat per 10 grams)
Year
Price (24 karat per 10 grams)
2023
₹ 54,699
1994
₹ 4,598
2022
₹ 52,950
1993
₹ 4,140
2021
₹ 50,045
1992
₹ 4,334
2020
₹ 48,651
1991
₹ 3,466
2019
₹ 35,220
1990
₹ 3,200
2018
₹ 31,438
1989
₹ 3,140
2017
₹ 29,667
1988
₹ 3,130
2016
₹ 28,623
1987
₹ 2,570
2015
₹ 26,343
1986
₹ 2,140
2014
₹ 28,006
1985
₹ 2,130
2013
₹ 29,600
1984
₹ 1,970
2012
₹ 31,050
1983
₹ 1,800
2011
₹ 26,400
1982
₹ 1,645
2010
₹ 18,500
1981
₹ 1,800
2009
₹ 14,500
1980
₹ 1,330
2008
₹ 12,500
1979
₹ 937
2007
₹ 10,800
1978
₹ 685
2006
₹ 8,400
1977
₹ 486
2005
₹ 7,000
1976
₹ 432
2004
₹ 5,850
1975
₹ 540
2003
₹ 5,600
1974
₹ 506
2002
₹ 4,990
1973
₹ 279
2001
₹ 4,300
1972
₹ 202
2000
₹ 4,400
1971
₹ 193
1999
₹ 4,234
1970
₹ 184
1998
₹ 4,045
1969
₹ 176
1997
₹ 4,725
1968
₹ 162
1996
₹ 5,160
1967
₹ 103
1995
₹ 4,680
1966
₹ 84
1994
₹ 4,598
1965
₹ 72
Major Banks Agriculture Gold Loan Per Gram Rate Comparison
Feature
HDFC Bank
SBI
Interest Rate
9.90% onwards
7% onwards
12% onwards
Min Loan Amt
Metro : 25000, Non : 15000
25000
15000
Max Loan Amt
1 Cr
1 Cr
1 Cr
Loan Tenure
3 months to 24 months
9 months to 24 months
Processing Fee
0.25% to 1.50% of the Loan Amt
0.25% to 1.50%
Nil
Pre-closure Charges
2%, Nil foreclosure charges after 3 months
2%, Nil foreclosure charges after 9 months
Nil
Overdraft Facility
Yes
Yes
Yes
Pay Only Interest Facility
Yes
Yes
Yes
Gold Rate Per Gram
3066
3073
3073
Tips to Get The Highest Agriculture Gold Loan Amount from JanaLakshmi Small Finance Bank
- The factors that affect the Highest Agriculture Gold Loan Amount from JanaLakshmi Small Finance bank is of Purity of the Gold.
- The Purity of the Gold is one of the most important things in the Agriculture Gold Loan.
- The Agriculture Gold Loan has Loan to Value Ratio. The Loan to Value ratio for these Agriculture Gold Loans is 75% of the Gold Loans.
- The purity of the Gold plays a role in the JanaLakshmi Small Finance Bank and the Weight of the Gold also plays a major role in the Agriculture Gold Loans. And the price of the Gold is used for the Gold Loans. In this way the Gold Loans are used in Banks.