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


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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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