Janalakshmi Small Finance Bank Gold Loan

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Unlock the Real Value of your Gold
Rates as low as 1% p.m.
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

Janalakshmi Small Finance Bank Gold Loan

Janalakshmi Small Finance Bank Gold Loan

Gold loan is a loan in which a borrower can get a loan against gold. Gold loan is a type of secured loan. In the gold loan, bank will take borrower’s gold in order to give a loan to the borrower. Bank will deposit a borrower’s gold as a security. Bank will take the full responsibility of borrower’s gold.

Features of Janalakshmi Small Finance Bank Gold Loan

  • Janalakshmi Small Finance Bank Gold Loan is very easy to apply. One can apply for the gold loan online within a few minutes.
  • If a borrower is eligible, the loan can be approved within 5 minutes.
  • After the approval of the gold loan, if the borrower has its complete documents it can be disbursed quickly.
  • The responsibility of the gold is all at the bank’s end. Borrower’s gold assets will be kept under very tight and fireproof security.
  • The rates of interest provided by the bank are quite affordable.
  • The documentation process is very easy and simple in Janalakshmi Small Finance Bank Gold Loan.
  • Bank will not ask the reason behind the gold loan, one can use this loan amount according to their needs.

Uses of Janalakshmi Small Finance Bank Gold Loan

  • Most people use the gold loan for the wedding purposes.
  • Sometimes one can prefer to get a gold loan in case of a medical emergency.
  • Education can also be a reason for the usage gold loan.
  • One can also boost their business by using the gold loan.
  • The customer can get a gold loan to pay the bills related credit cards.
Who can get Janalakshmi Small Finance Bank Gold Loan
  • Any salaried individual.
  • Any self-employed.
  • Housewives/homemaker
  • Students (age should more than 18 years)
  • A farmer

Form of Gold

  • Any jewelry carries with the quality of 18 carats to 22 carats is acceptable.
  • Gold coins weigh less than 50 grams can get a gold loan.
  • Bank does not accept minted/forged gold coins.
  • Bars and bricks are not acceptable.
  • Raw gold is not acceptable.
Documentation Required for Janlakshmi Small Finance Bank Gold Loan

Photographs

2 passport size colored photographs

Policy

Know your customer

Identity Proof

Aadhar Card, PAN Card, Voter ID Card, Passport or the Driving License.

Residence Proof

Aadhar Card,PAN Card, Voter ID card,Passport ,Driving License

Note: Janlakshmi Small Finance Bank can ask for additional documents as per the needs and requirements.

Janlakshmi Small Finance  Bank Gold Loan Interest Rates

The rate of interest starts at 11.5% and can go up to 15.5% per annum. Prepayment charges are 1% and the tenure of the loan is from 3 to 12 months.

Note: Interest rate mentioned here are updated with rates expected to change.

How to apply for Janalakshmi Small Finance Bank Gold Loan?

You can apply for a gold loan online at https://www.dialabank.com

Other Major Gold Loan Providers

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