Jammu And Kashmir Grameen Bank Pension Loan

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      Jammu And Kashmir Grameen Bank Pension Loan

      Jammu And Kashmir Grameen Bank Pension Loan Features

      Jammu And Kashmir Grameen Bank Pension Loan Interest Rate 3.4% p.a.
      Jammu And Kashmir Grameen Bank Pension Loan Processing Fee 1%
      Jammu And Kashmir Grameen Bank Pension Loan Tenure 36 months
      Jammu And Kashmir Grameen Bank Pension Loan Amount Minimum 25,000
      Jammu And Kashmir Grameen Bank Pension Loan Amount Max 14 Lakh
      Jammu And Kashmir Grameen Bank Family Pension Loan Amount Minimum 2.5 Lakh
      Jammu And Kashmir Grameen Bank Family Pension Loan Amount Max. 5 Lakh
      Jammu And Kashmir Grameen Bank Prepayment Charges 3% of the loan amount
      Jammu And Kashmir Grameen Bank Foreclosure Charges 3% of the loan amount

      Jammu And Kashmir Grameen Bank Pension Loan Eligibility

      The qualification of the Jammu And Kashmir Grameen Bank loan to be amongst the ex-staff representatives with a pension report has been one of the primary requirements. You would have to be a client of the government, PSU, or central state government. You will also actually earn 60% of the retirement income after making the bank fees.

      Requirements for Central and State Government Pensioners by Jammu And Kashmir Grameen Bank Pension Loan

      Eligibility  Attributes
      Employer Kind Central and State Government
      Applicant’s (Age) Beneath 76 years of age
      Account Type Order of pension payments enforced by the Bank
      Treasury Terms Written approval from the treasurer not to consider any demands for a pension transfer
      Guarantee Conditions By the spouse (eligible for a relationship pension) or any other third relation

      Jammu And Kashmir Grameen Bank Pension Loan Eligibility For Defence Pensioners

      Eligibility Conditions Key Terms
      Employer (Type) Armed Forces, Paramilitary Forces, Coast Guards, Rashtriya Rifles, Assam Rifles
      Applicant’s (Age) Down 76 years of age
      Account Type Pension payment order was given by Bank
      Treasury Terms Not applicable
      Guarantee Terms Not applicable

      Jammu And Kashmir Grameen Bank Pension Loan Eligibility For Family Pensioners

      Eligibility Terms Key Characters
      Employer Kind Central and State Governments including all Armed Forces
      Applicant’s Age in Years Below 76 years of age
      Account Kind Pension payment order maintained by Bank
      Treasury Kind Not applicable
      Guarantee Terms Authorized members of the family under the family pension scheme

      Maximal Eligible Loan Amount and repayments

      For Central and State Government Pensioners:

      Age Max Loan Quantity(18 months Pension or Less) Tenure Period Age at the time of full Repayment
      Below 72 years ₹ 14.00 Lakh 60 months Up to 77 years
      72 – 74 years ₹ 12.00 Lakh 48 months Up to 78 years
      74 – 76 years ₹ 7.50 Lakh 24 months Up to 78 years

      For Defense Pensioners:

      Age Max Loan Amount (18 months Pension or Less) Repayment Period Age at the time of full Repayment
      Below 56 years ₹ 14.00 Lakh 84 months Up to 63 years
      56 – 72 years ₹ 14.00 Lakh 60 months Up to 77 years
      72 – 74 years ₹ 12.00 Lakh 48 months Up to 78 years
      74 – 76 years ₹ 7.50 Lakh 24 months Up to 78 years

       

       

       

      For Family Pensioners (including Defense Pensioners):

      Age Max Loan Amount (18 months Pension or Less) Repayment Period Age at the time of full Repayment
      Below 72 years ₹ 5.00 Lakh 60 months Up to 77 years
      72 – 74 years ₹ 4.50 Lakh 48 months Up to 78 years
      74 – 76 years ₹ 2.50 Lakh 24 months Up to 78 years

       

       

       

      Interest Rate On Jammu And Kashmir Grameen Bank Personal Loan For Pensioners

      The inflation rate of the Jammu and Kashmir Grameen Bank Pension Debt is far smaller, i.e. 3.40% p.a. In the dying years, to fulfil the needs of the older retirees.

      Document Required For Jammu And Kashmir Grameen Bank Pension Loan

      Identity proof:

      • Passport
      • Pan Card
      • Driving License
      • Voter Identity Card
      • Aadhaar Card

      Address proof: 

      • Ration Card
      • Bank Account Statement
      • Passport
      • Driving License
      • Utility bills
      • The property purchase agreement
      • Aadhaar Card

      Income proof: 

      • Bank Account Statement
      • Salary Slips

      Loan Amount On Jammu And Kashmir Grameen Bank Personal Loan For Pensioners

      The loan amount of Rs 25,000 is the lowest. The actual loan amount and the period of the debt depending on the people’s retirement age or the type of retirement he or she earns.

      For State and Central Government Pensioners:

      Age Minimum Loan Amount Maximum Loan Amount Additional Ceiling Amount Loan Tenure
      Less Than 72 Years 25000 14 Lakh 18 Months Pension 60
      72 to 74 Years 25000 12 Lakh 18 Months Pension 48
      74 to 76 Years 25000 7.5 Lakh 18 Months Pension 24

      For Defence Pensioners:

      Age Minimum Loan Amount Maximum Loan Amount Additional Ceiling Amount Loan Tenure
      Up to 56 Years Rs 25000 14 Lakh 36 Months Pension 84
      Less Than 72 Years Rs 25000 14 Lakh 18 Months Pension 60
      72 to 74 Years Rs 25000 12 Lakh 18 Months Pension 48
      74 to 76 Years Rs 25000 7.5 Lakh 18 Months Pension 24

      For Family Pensioners:

      Age Minimum Loan Amount Maximum Loan Amount Additional Ceiling Amount Loan Tenure
      Less Than 72 Years 25000 5 Lakh 18 Months Pension 60
      72 to 74 Years 25000 4.5 Lakh 18 Months Pension 48
      74 to 76 Years 25000 2.5 Lakh 18 Months Pension 24

       

       

       

       

       

      About Jammu And Kashmir Grameen Bank

      Jammu and Kashmir Grameen Bank Pension Loan

      J&K Grameen Bank provides loans, deposits, Rupay Debit and Rupay Kissan Cards, Saving Accounts, Current Accounts, and other products and services. To make financial deals simple and convenient, we provide other services.

      FAQs on Jammu And Kashmir Grameen Bank Pension Loan

      ✅ Can you get a loan on a pension?

      The Jammu And Kashmir Grameen Bank Pension Loan is accessible for Central and State government pensioners, money pensioners, and family pensioners up to 76 years of age.

      ✅ How much loan can a pensioner get?

      The loan balance for private student loans to workers varies for both the various companies of retirement loans. The Jammu And Kashmir Grameen Bank Retirement Loan could be used for a sum of Rs 25,000 towards Rs 14 lakhs.

      ✅ What is the pension loan scheme?

      The Jammu And Kashmir Grameen Bank Pension Loan Scheme protects the funding needs of government pensioners, security pensioners, and family pensioners after they retire.

      ✅ At what rate of interest you can get Jammu And Kashmir Grameen Bank Pension Loan?

      Jammu And Kashmir Grameen Bank Pension Loan can be purchased at 3.40 percent p.a. Level of interest.

      ✅ How can you get Jammu And Kashmir Grameen Bank Pension Loan?

      You can apply online via Dialabank or call at 9878981166.

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