Janalakshmi Small Finance Bank Gold Loan

Gold Loan @ 7.10%

Apply & Get Instant Money

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

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

HDFC Bank Gold Loan

7.10% – 14.50%

ICICI Gold Loan

7.10% – 16.10%
Muthoot Finance Gold Loan

7.10% – 24.00%

Axis Bank Gold Loan

7.10% – 17.10%
Manappuram Gold Loan

7.10% – 26.00%

Yes Bank Gold Loan

7.10% – 15.99%
Bank of India Gold Loan

7.10% – 26.00%

Federal Bank Gold Loan 

7.10% – 13.50%
IIFL Gold Loan

7.10% – 12.00%

Central Bank of India Gold Loan

7.10% – 14.65%

Canara Bank Gold Loan

7.10% – 12.65%

Allahabad Bank Gold Loan

7.10% – 10.45%

Induslnd Bank Gold Loan

7.10% – 15.75%
PNB Gold Loan

7.10% – 11.75%

Bajaj Finance Gold Loan

7.10% – 26%
SBI Gold Loan

7.10% – 15.99%

Indian Bank Gold Loan

7.10% – 15.99%
UCO Bank Gold Loan

7.10% – 26.00%

Kotak Mahindra Bank Gold Loan

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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.