Janalakshmi Small Finance Bank Gold Loan Key Features – Apply Now!
| Janalakshmi Small Finance Bank Gold Loan Interest Rate | 7.15% per annum |
| Janalakshmi Small Finance Bank Gold Loan Per Gram | Rate Per Gram Today is ₹ 5,293 |
| Janalakshmi Small Finance Bank Gold Loan Amount | Up to Rs. 1 Crore (With Income Proof) |
| Janalakshmi Small Finance Bank Gold Loan Processing Fee | 1.50% of the Principal Loan Amount |
| Janalakshmi Small Finance Bank Gold Loan Prepayment Charges | 2%+GST (Within 3 Months), 0 (After 3 months) |
| Janalakshmi Small Finance Bank Gold Loan Repayment Tenure | 3 Months to 24 Months |
| Janalakshmi Small Finance Bank Gold Loan Repayment Scheme | Bullet Payment Scheme, Overdraft Scheme |
Advantages of Janalakshmi Small Finance Bank Gold Loan:
- Quick Process: Janalakshmi Small Finance Loan is endorsed and distributed speedily and without any concern. The loan gets approved in 60 minutes.
- Lesser Documentation: The documentation method of Janalakshmi Small Finance Bank Gold Loan is clear and less, necessary reports are required for the respective bank.
- Explicit System: The bank shows full transparency to its applicants, that is, there are no concealed charges.
- Amount of Loan: The minimal loan value in Janalakshmi Small Finance is Rs. 15000. Likewise, It is less to Rs 10000 in rural zones.
- Safety and security of Jewelry: The Janalakshmi Small Finance bank is reliable for the security of your gold, the decorations are kept in a fire-resistant vault.
- Loan Tenure: The tenure of the loan can range from 3 months to 2 years. Settle yourself accordingly.
- Benefits for Farmers: Janalakshmi Small Finance provides some extraordinary proposals for horticultural benefits the Janalakshmi Small Finance Bank offers a lower Gold loan interest rate.
- No Burden of Debt: There can be circumstances in which an applicant is not able to repay the loan amount, in such an instant the applicant will not be under any obligation as the bank will only confiscate the gold jewelry.
- No Income Restrictions: There are no restrictions on the income of the advance seeker, hence, anybody with any income range can avail of a gold loan.
How Much Gold Loan can I Get through Janalakshmi Small Finance Bank Gold Loan:
Janalakshmi Small Finance Bank Gold Loan Per Gram – Updated September 2020
Updated - Gold Loan Per Gram Rate |
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Gold Weight |
Gold Purity |
Gold Purity |
Gold Purity |
Gold Purity |
24 Carat |
22 Carat |
20 Carat |
18 Carat |
|
1 gram |
4680 | 4290 | 3900 | 3510 |
10 gram |
46800 | 42900 | 39000 | 35100 |
20 gram |
93600 | 85800 | 78000 | 70200 |
30 gram |
140400 | 128700 | 117000 | 105300 |
40 gram |
187200 | 171600 | 156000 | 140400 |
50 gram |
234000 | 214500 | 195000 | 175500 |
100 gram |
468000 | 429000 | 390000 | 351000 |
200 gram |
936000 | 858000 | 780000 | 702000 |
300 gram |
1404000 | 1287000 | 1170000 | 1053000 |
400 gram |
1872000 | 1716000 | 1560000 | 1404000 |
500 gram |
2340000 | 2145000 | 1950000 | 1755000 |
Janalakshmi Small Finance Bank Gold Loan Eligibility:
Age |
18-70 years of age |
Nationality |
Indian |
Employment Status |
Salaried, Self-Employed |
Gold Quality |
Minimum 18 Carats |
Janalakshmi Small Finance BankGold Loan Documents Required:
Photographs |
2 Passport Size |
Identity Proof |
Aadhar Card, Passport, PAN Card, etc. (Only 1 is required) |
Residence Proof |
Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required) |
Janalakshmi Small Finance Bank Gold Loan Interest Rate, Fees, and Charges:
HDFC Gold Loan Interest Rate |
7.00% per annum |
Processing Fee |
1.50% of the Principal Loan Amount |
Prepayment/Foreclosure Charges |
2%+GST (Within 3 Months), 0 (After 3 months) |
Valuation Fee |
Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs |
Late Repayment Charges |
2% p.a. + Applicable rate of interest. |
Renewal Processing Fees |
Rs 350 + GST |
About Janalakshmi Small Finance Bank Gold Loan:
Conquering over an uncertain situation in life is difficult but not impossible. Janalakshmi Small Finance Bank has brought you unmatchable financing assistance in comparison to other funding or non-funding organizations. It is recognized for its amazing money lending solutions. Lending a huge sum to the candidates who apply for the loan against the gold.
- Janalakshmi Small Finance Bank Gold Loan Interest Rate is 7.10% per annum
- Janalakshmi Small Finance Bank Gold Loan Per Gram is ₹ 5,255
- Janalakshmi Small Finance Bank Gold Loan Tenure: Up to 24 months
- Janalakshmi Small Finance Bank Gold Loan Processing Fee is Up to 1.50% of the Loan Amount + GST
Types of Janalakshmi Small Finance Bank Gold Loan:
- Loan Against Gold – Janalakshmi Small Finance Bank provides Gold Loan at appealing rates of interest to meet an individual’s extreme requirement of cash for personal or master. The gold loan indeed is secured and thusly, the bank has no danger in loaning the aggregate to the lender, therefore, it is given at a lower rate of interest adjoining different groups of a loan product.
- Loan Against Gold for Agriculture – Janalakshmi Small Finance Bank provides Gold Loans specifically for agriculture programs to ranchers at an explicit rate of interest as compared to gold loans given for different uses. They are facilitated with special offers and they have to grant the bank Land proofs for which they are taking the loan.
Janalakshmi Small Finance Bank Bank Gold Loan EMI Calculator:
Rate of Interest |
6 months |
1 Yr |
2 Yrs |
3 Yrs |
| 7.00% | 17008 | 8652 | 4477 | 3088 |
| 8.00% | 17058 | 8699 | 4523 | 3134 |
| 8.50% | 17082 | 8722 | 4546 | 3157 |
| 9.00% | 17107 | 8745 | 4568 | 3180 |
| 9.50% | 17131 | 8678 | 4591 | 3203 |
| 10.00% | 17156 | 8791 | 4614 | 3227 |
| 10.50% | 17181 | 8815 | 4637 | 3250 |
| 11.00% | 17205 | 8838 | 4661 | 3274 |
| 11.50% | 17230 | 8861 | 4684 | 3298 |
| 12.00% | 17254 | 8885 | 4707 | 3321 |
| 12.50% | 17279 | 8908 | 4731 | 3345 |
| 13.00% | 17304 | 8932 | 4754 | 3369 |
| 13.50% | 17329 | 8955 | 4778 | 3393 |
| 14.00% | 17354 | 8979 | 4801 | 3418 |
| 14.50% | 17378 | 9002 | 4825 | 3442 |
| 15.00% | 17403 | 9026 | 4845 | 3466 |
How to Pay Your Janalakshmi Small Finance Bank Gold Loan EMI?
- Standing Instruction (SI): If you are an account holder with Janalakshmi Small Finance Bank, Standing Instruction is the most suitable procedure for compensation. Your EMI amount is credited from the Janalakshmi Small Finance Bank account you show.
- Electronic Clearing Service (ECS): This program will be applied if you have a non-Janalakshmi Small Finance Bank record and probably want your EMIs to be charged from this account.
- Post-Dated Checks (PDC): Present post-dated EMI analyses from a non-Janalakshmi Small Finance Bank statement at your closest Janalakshmi Small Finance Bank loan center. Another version of PDCs should be shown in an instant.
Janalakshmi Small Finance Bank Gold Loan Contact Number:
Call 9878981144 and acquire immediate help for Janalakshmi Small Finance Bank Gold Loan, its best deals, offers, and exciting surprises.
Gold Ornaments Accepted by Janalakshmi Small Finance Bank:
- Gold jewelry- like Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc. all of those are agreed by Janalakshmi Small Finance Bank for availing a Gold Loan.
- Quality- Weighable gold between 18 Carat to 22 Carat is accepted by the Janalakshmi Small Finance Bank.
Use of Janalakshmi Small Finance Bank Gold Loan:
- To finance individual investments like matrimony, hiking, installment of tuition payments, etc.
- Funding production and distribution deals, like socializing the product, selling, etc., loan service is allianced.
- You can furthermore avail of a Gold Loan for agriculture purposes.
Gold Loan Interest Rate of Major Banks
|
Bank |
Interest Rates |
|
7.10% – 14.50% |
|
| 7.10% – 16.10% | |
| Muthoot Finance Gold Loan |
7.10% – 24.00% |
| 7.10% – 17.10% | |
| Manappuram Gold Loan |
7.10% – 26.00% |
| 7.10% – 15.99% | |
| Bank of India Gold Loan |
7.10% – 26.00% |
| 7.10% – 13.50% | |
| IIFL Gold Loan |
7.10% – 12.00% |
| 7.10% – 14.65% | |
|
7.10% – 12.65% |
|
| Allahabad Bank Gold Loan |
7.10% – 10.45% |
| 7.10% – 15.75% | |
| PNB Gold Loan |
7.10% – 11.75% |
| 7.10% – 26% | |
| SBI Gold Loan |
7.10% – 15.99% |
| 7.10% – 15.99% | |
| UCO Bank Gold Loan |
7.10% – 26.00% |
| 7.10% – 13.50% | |
| Syndicate Bank Gold Loan |
7.10% – 12.00% |
FAQs About Janalakshmi Small Finance Bank Gold Loan:
-
What is Janalakshmi Small Finance Bank Gold Loan?
The Janalakshmi Small Finance Bank Gold Loan caters loan sanctioning services to the people who need monetary help. The bank gives loans at a lower rate of interest with high funding.
-
How can I get the Gold Loan from Janalakshmi Small Finance Bank?
Receive the Janalakshmi Small Finance Bank Gold Loan by visiting any of the gold loan branches pf Janalakshmi Small Finance Bank; else, you can apply online with MagicLoans from your home.
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What is the Gold Loan Interest Rate in Janalakshmi Small Finance Bank?
The Gold Loan rate in Janalakshmi Small Finance Bank is 7.10% per annum.
-
How much Gold Loan can I get per gram in Janalakshmi Small Finance Bank?
The per gram Gold Loan in Janalakshmi Small Finance Bank is ₹ 5,255 Per Gram.
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How to check Gold Loan status in Janalakshmi Small Finance Bank?
Analyze your Janalakshmi Small Finance es Bank Gold Loan status by visiting the nearest branch of Janalakshmi Small Finance Bank, or follow the tracker web page and fill in the details.
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How to calculate Gold Loan Interest in Janalakshmi Small Finance Bank?
Calculate the interest on your Fincare Small Finance Bank Gold Loan interest using the EMI Calculator which gives you an accurate sum based on the data you mentioned in the calculator.
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How to Pay Janalakshmi Small Finance Bank Gold Loan Interest Online?
Pay Janalakshmi Small Finance Bank Gold Loan interest online through net banking or by choice; you can repay your Janalakshmi Small Finance Bank Gold Loan on Paytm.
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What if I can’t pay the interest on Janalakshmi Small Finance Bank Gold Loan for 3 months?
The customers who have not paid the interest on Janalakshmi Small Finance Gold Loan for 3 months will be requested formerly to complete the pending dues, if the request goes muted, the bank will perform legitimate practices against the borrower and will seize their gold embellishments.
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How can I apply for EMI Moratorium on Janalakshmi Small Finance Bank Gold Loan?
Apply for EMI Moratorium on Janalakshmi Small Finance Bank Gold Loan now between the 1st March and 31st August 2020 and finish it by reaching the Bank customer care or visiting the closest Janalakshmi Small Finance Bank office.