J and K Grameen Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      Table of Contents

      J and K Grameen Bank Personal Loan Key Features – Jan 2021

      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

      Each Feature Explained in Detail Below


      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

      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 ICICI 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 Upto 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

      J and K Grameen Bank Gold Loan J and K Grameen Bank Car Loan J and K Grameen Bank Home Loan J and K Grameen Bank Business Loan
      J and K Grameen Bank TWL J and K Grameen Bank LAP J and K Grameen Bank Credit Card J and K Grameen Bank Education Loan

      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 the trustworthy agents which serve you the whole processing of a personal 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:

      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 a time in which 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 Loanj and k grameen bank personal 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?

      J and K Grameen Bank Personal Loan

      You can avail a personal loan by following the steps given below:

      1. Visit Dialabank and fill the application form.
      2. You will get a call from our bank.
      3. Our agents will guide you through the entire process and tell you the details of the loan.

      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. 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 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 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 personal loan EMI for J and K Grameen Bank by using the EMI calculator available for you at Dialabank’s website.

      ✅ How to pay J and K Grameen Bank Personal Loan EMI?

      Your personal 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 personal loan payments.

      ✅ How to close J and K Grameen Bank Personal Loan?

      You must pay your personal loan amount for closing the loan from J and K Grameen Bank and come in contact with J and K Grameen Bank branch 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 branch to see your personal loan status. On the other hand, you can visit the 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, you will have to visit the customer care number of J and K Grameen Bank. If you are looking for low-interest personal loans, you must visit Dialabank and fill a simple form for Personal Loan Balance Transfer.

      ✅ How to download J and K Grameen Bank Personal Loan Statement?

      You can use the J and K Grameen Bank’s mobile banking app to download your personal loan statement. 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. You can connect with Dialabank for a balance transfer.

      ✅ How to find J and K Grameen Bank Personal Loan account number?

      You will require to contact your J and K Grameen Bank branch to know your personal loan account number. 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 pre-closure of the Personal Loan account. Pay the pre-closure amount. Sign the required documents, if any. Take acknowledgment 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 is 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 customer care number of J and K Grameen Bank personal loan 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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