Jana Small Finance Bank

Gold Loan @ 7.10%

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Jana Small Finance Bank Gold Loan

Jana Small Finance Bank is a type of a small finance bank with the primary functions being accepting and lending of money. Being a small bank gold loans become a major source of income. Gold loans are the type of loans which are given against gold for easy cash.


There are some conditions that the applicant should fulfill to get a Jana Small Finance Bank. These are written below

  • First of all age of the applicant should be more than 18 years and less than 65 years. He/she should be able to return the loan amount on time.
  • Besides that, she/he should have some rigid source of income so that he can give an interest rate to the bank.
  • After that applicant should have gold in the form of jewelry. But the purity of the gold must lie between be 18 karats to 22 karats.


  • Starting amount of that can be provided to the customers is Rs.18,000 here and it can be extended up to Rs.50,000.
  • Time for the disbursal of the loan is very less here. Therefore you will be able to get the amount of loan in your account within a few minutes.
  • Jana Small Finance Bank provides very tight security to the gold assets provided by the customers. So customer’s gold is kept under three-layer security. So there is no risk.
  • Most noteworthy is that there are no charges for the for closure.
  • Jana Small Finance Bank provides the facility of prepayment also, there are no penalty charges for this.
  • The customer can return the loan amount from 1 day to 36 months.
  • 1% of the loan amount is charged as the processing fees.• Most importantly there are no prepayment or part payment charges.
  • Besides, that service tax and other governmental tax charges will be applied.
  • With us you can repay loans with quarterly, half yearly and even yearly bullet loans.

Interest Rate

Interest rate of Jana Small Finance Bank Gold Loan starts from 10.70%. More the interest rate more will be the EMI. The scheme which will be Repayment of loans can be made is with quarterly, half-yearly and even yearly bullet loans. Along with this there are no hidden charges involved with us.


The process of documentation is very easy and simple.

  • Identity proof (Passport/Id card/voter card/driving license) can be any one of them.
  • 3 passport size photos
  • A passport acts as an ID proof because a passport has a name, age, address and photograph of the customer. If you are having a passport then there is no need to bring your address proof separately.
  • Residence proof can be Aadhar card, voter card, and passport (Passport/Id card/voter card/driving license). Electricity and water bill for the last three months because these are the proofs that you are residing in that particular place.
  • Driving license can also be a proof of identity and residence proof because it contains the name, date of birth and a photograph of the customer.
  • Aadhar card provided by UIDAI that contains biometric details of the customers like age date of birth and photograph of the individual.
  • PAN card is the permanent account number and it prevents from the financial frauds. So it can be an identity/residence proof. Pan card is very essential document under KYC (know your customer) formality.
  • Ration card also can be a residence proof because it provides enough information about the applicant.

Why Magicloans.in is an excellent platform to apply for a loan?

Here, we are to provide you with the loans and here we are to offer loans and tell you why Magicloans.in is better than other websites.

Magicloans.in here values your time, and thus we provide you loans in a quicker period. There are many perks if you choose us over the other website:

  • To begin with, you will enjoy many benefits if you decide to take your personal loan from us
  • After that, you have to fill the personal Loan form, and you will receive a call from our relationship manager.
  • Besides this, more concessional rates will be provided to you besides all of the other facilities.
  • And there is no need to go to the bank.
  • Furthermore, your documents will be picked up from your doorstep.


  • First of all, Know your Personal loan eligibility in 1 minute, available online and across all branches.
  • After that, Highly competitive interest rates for personal loans.
  • Besides that Special offers, interest rates and nominal charges for Karur Vysya Bank account holders.
  • And Special personal loan offers* for women employees.


  • First of all, Simple documentation
  • After that, Competitive pricing
  • Besides that, personal loan disbursal is very quick.
  • And Transparent procedure
  • Personal loans available for Marriage and other Personal Needs.

How to Apply on magicloans.in?

  • To begin with, you have to look up for magicloans.in on google.
  • Thereafter, a form will open up and you have to fill up the form with the appropriate information.
  • You will get more information from us following that.
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