J and K Grameen Bank Personal Loan Key Features – Apr 25 2024
| Eligibility Criteria | Details |
| Age | 21 – 70 (at loan maturity) |
| CIBIL Score | 750 |
| J and K Grameen Bank Personal Loan Interest Rate | 9.99% p.a. |
| Lowest EMI per lakh | NIL |
| Tenure | 12 to 60 months |
| J and K Grameen Bank Personal Loan Processing Fee | 1%-2% |
| Prepayment Charges | NIL |
| Part Payment Charges | NIL |
| Minimum Loan Amount | Rs. 50,000 |
| Maximum Loan Amount | Rs. 50 lakh |
J and K Grameen Bank Personal Loan Eligibility Criteria
Personal Loan Eligibility Criteria:
| CIBIL score Criteria | 750 and above |
| Age Criteria | 21 – 70 (at loan maturity) |
| Min Income Criteria | Rs. 25,000 |
| Occupation Criteria | Salaried/Self-Employed |
J and K Grameen Bank Personal Loan Interest Rate and Charges
| J and K Grameen Bank Personal Loan Interest Rate | 9.99% p.a. |
| J and K Grameen Bank Personal Loan Processing Charges | 1%-2% |
| Prepayment Charges | NIL |
| Stamp Duty | NIL |
| Cheque Bounce Charges | NIL |
| Penal Interest | NIL |
| Floating Rate of Interest | NIL |
J and K Grameen Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhar Card > Voter ID Card |
| Proof of Address | Rent Agreement (Min. 1 year of stay) Utility Bills Passport (Proof of permanent residence) Ration card |
| Proof of Income | > ITR: Last two Assessment years > Salary Slip: Last 6 months > Bank Statement: Last 3 months |
J and K Grameen Bank Personal Loan EMI Calculator
J and K Grameen Bank Personal Loan Compared to Other Banks
| Particulars | J and K Grameen Bank | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | Private Bank |
| Interest Rate | 9.99% | 11.25% to 21.50% | Starting from 12.99% | 15.75% to 24% | Starting from 10.99% | 11.50% to 19.25% |
| Tenure | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months |
| Loan amount | Up to Rs. 50 lakh | Up to Rs. 40 lakh | Up to Rs. 25 lakh | Rs. 50,000 to Rs. 15 lakh | Up to Rs. 30 lakh | Up to Rs. 20 lakh |
| Processing Fee | 1%-2% | Up to 2.50% of the loan amount | Up to 3.99% of the loan amount | Up to 2% of the loan amount | Up to 3% of the loan amount | Up to 2.25% of the loan amount |
Other Loan Products from J and K Grameen Bank
Why should you apply for J and K Grameen Bank Personal Loan with Dialabank?
Dialabank has a good reputation among customers. It helps in guiding your entire process of the personal loan. It has trustworthy agents who serve you the whole processing of a unique loan application in a detailed manner.
How to Calculate EMIs for J and K Grameen Bank Personal Loan
For the calculation of J and K Grameen Bank personal loan EMI, the information required is:
- Loan Amount
- Interest Rate
- Loan Tenure
Put these values in the EMI calculator and find your monthly EMIs.
J and K Grameen Bank Personal Loan Processing Time
The processing time is when you get your loan application approval. This bank has a processing time of 24 hours.
J and K Grameen Bank Personal Loan Pre-closure Charges
Pre-closure refers to the loan amount paid before the due date, which lowers the interest rate.
Pre Calculated EMI for Personal Loan
| Loan Amount | 10 Year Loan | 15 Year Loan | 15 Year Loan |
|---|---|---|---|
| ₹ 20 Lakh | ₹ 23,950 | ₹ 18,768 | ₹ 18,768 |
| ₹ 30 Lakh | ₹ 35,924 | ₹ 28,152 | ₹ 28,152 |
| ₹ 50 Lakh | ₹ 59,874 | ₹ 46,921 | ₹ 46,921 |
Different Offers For J and K Grameen Bank Personal Loan
J and K Grameen For Scooty Loan
- Offers Scooty loan.
- Loan Amount: Rs. 50,000
- Tenure: 60 months
J and K Grameen Bank Personal Loan for Government Employees
- Loan provision for Government Employees.
- The loan amount depends on the company that you are working in.
J and K Grameen Modular Kitchen Loan
- Loan provision for Modular Kitchen Loan.
- Interest Rate: 12%
- Loan amount: Up to Rs. 5 lakh.
J and K Grameen Bank Personal Loan for Pensioners
- Loan provision for pensioners.
- Interest Rate: Up to 12.50%.
- Loan Amount: Up to Rs. 3 lakh.
J and K Grameen Bank Personal Loan Balance Transfer
A balance transfer is the transfer of the loan amount from one lending foundation to another.
J and K Grameen Bank Personal Loan Top Up
Top up loan means the amount is added to your recent loan amount.
J and K Grameen Bank Personal Loan Status
Visit the bank’s website and check the loan status.
How to Apply for J and K Grameen Bank Personal Loan?
You can avail of a personal loan by following the steps given below:
- Then, visit Dialabank and fill the application form.
- After that, you will get a call from our bank.
- Our agents will guide you through the entire process and tell you the loan details.
FAQs About J and K Grameen Bank Personal Loan
✅ How to apply for J and K Grameen Bank Personal Loan?
You can apply for a personal loan with J and K Grameen Bank through the visit of your nearby branch of J and K Grameen Bank or submit a simple form with Dialabank. In addition, you can get the benefit to apply from anywhere with Dialabank.
✅ What is the Interest Rate for J and K Grameen Bank Personal Loan?
The interest rate for a personal loan charged by J and K Grameen Bank is 9.99% p.a.
✅ What is the minimum age for getting a Personal Loan from J and K Grameen Bank?
The minimum age required for getting a personal loan from J and K Grameen Bank is 21 years.
✅ What is the maximum age for getting a Personal Loan from J and K Grameen Bank?
The maximum age is 70 years for getting a personal loan from J and K Grameen Bank.
✅ What is the minimum loan amount for J and K Grameen Bank Personal Loan?
The minimum loan amount for a personal loan that you can avail of from J and K Grameen Bank is Rs. 50,000.
✅ What is the maximum loan amount for J and K Grameen Bank Personal Loan?
The maximum loan amount can avail for a personal loan from J and K Grameen Bank up to Rs. 50 lakh.
✅ What are the documents required for J and K Grameen Bank Personal Loan?
Documents required for a personal loan from J and K Grameen Bank are an Aadhaar card, driving license, voter ID, salary certificate, and form no. 16, Income Tax Return file having the data of the last 2 financial years.
✅ What is the Processing Fee for J and K Grameen Bank Personal Loan?
The processing fee charges by J and K Grameen Bank for a personal loan is 1%-2% of the loan amount.
✅ How to get J and K Grameen Bank Personal Loan for Self Employed?
J and K Grameen Bank offers a personal loan to Self Employed to assist them financially. You must have the ITR files for the last two years.
✅ What is the Maximum Loan Tenure for J and K Grameen Bank Personal Loan?
The maximum loan tenure period for a personal loan from J and K Grameen Bank is 60 months.
✅ What should be the CIBIL Score for J and K Grameen Bank Personal Loan?
The CIBIL score required for getting a personal loan from J and K Grameen Bank is 750 and above.
✅ Do I have a preapproved offer for J and K Grameen Bank Personal Loan?
You can check your personal loan preapproved offer from J and K Grameen Bank with Dialabank. You can check out the offers for you at Dialabank.
✅ How to calculate EMI for J and K Grameen Bank Personal Loan?
You can calculate your loan EMI for J and K Grameen Bank using the EMI calculator available for you at Dialabank’s website.
✅ How to pay J and K Grameen Bank Personal Loan EMI?
Your loan EMIs from J and K Grameen Bank subtracts automatically from your bank account. You may also use the net-banking service of J and K Grameen Bank for your loan payments.
✅ How to close J and K Grameen Bank Personal Loan?
You must pay your loan amount for closing the loan from J and K Grameen Bank and come in contact with the J and K Grameen Bank branches to receive no dues certificate.
✅ How to check J and K Grameen Bank Personal Loan Status?
You will require to visit the J and K Grameen Bank branches to see your personal loan status. On the other hand, you can visit Dialabank and fill the simple form then the bank will provide you with the best services.
✅ How to close J and K Grameen Bank Personal Loan Online?
The following instructions are to be followed for closing your personal loan online:
- Visit the net-banking page of J and K Grameen Bank.
- Login using your details.
- Pay your personal loan.
- Save the transaction receipt.
✅ How to pay J and K Grameen Bank Personal Loan EMI Online?
You can pay your personal loan EMI through the net-banking facility of J and K Grameen Bank. To get a low-EMI personal loan, Dialabank will help you to choose the best.
✅ How to check Personal Loan Balance in J and K Grameen Bank?
You can check your personal loan balance in J and K Grameen Bank, and you will have to visit the customer care number of J and K Grameen Bank. On the other hand, if you are looking for low-interest personal loans, you must see Dialabank and fill a simple form for Personal Loan Balance Transfer.
✅ How to download J and K Grameen Bank Personal Loan Statement?
You can download your personal loan statement from the J and K Grameen Bank’s mobile banking app. You also visit the online platform of Dialabank.
✅ How to Top Up Personal Loan in J and K Grameen Bank?
If you require a top-up on your personal loan from J and K Grameen Bank, you will visit the bank branch and contact the loan officer. You can apply for a Personal Loan Top Up with Dialabank.
✅ What happens if I don’t pay my J and K Grameen Bank Personal Loan EMIs?
If you don’t pay your personal loan EMIs of J and K Grameen Bank, the bank will charge a penal interest. However, you can connect with Dialabank for a balance transfer.
✅ How to find J and K Grameen Bank Personal Loan account numbers?
You will require to contact your J and K Grameen Bank branches to know your personal loan account number. In addition, you have to fill a form at Dialabank.
✅ What is the J and K Grameen Bank personal loan closure procedure?
Visit the bank with the complete set of documents (as mentioned above). You may be required to fill a form or write a letter requesting the Personal Loan account pre-closure. Pay the pre-closure amount. Sign the necessary documents, if any. Take acknowledgement of the balance amount you have paid.
✅ What is J and K Grameen Bank personal loan maximum tenure?
The maximum tenure of the J and K Grameen Bank personal loan is 60 months.
✅ What are J and K Grameen Bank personal loan minimum tenure?
The minimum tenure of the J and K Grameen Bank personal loan is 12 months.
✅ What is the J and K Grameen Bank personal loan customer care number?
The J and K Grameen Bank personal loan customer care number is 9878981166.
✅ What are the J and K Grameen Bank Personal Loan pre-closure charges?
J and K Grameen Bank gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, J and K Grameen Bank charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.
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