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Janakalyan Sahakari Bank Personal Loan Details

Janakalyan Sahakari Bank 4.00 / 5.04 users

Janakalyan Sahakari Bank is a prominent co-operative bank in Maharashtra, India and it has brought forth a great scheme in the guise of the personal loans. Janakalyan Sahakari Bank Personal Loan also known as Janadhar Personal Loan is one of the loans provided by the bank. provides all the information about Janakalyan Sahakari Bank Personal Loan:

Purpose of the Loan:

Being a multipurpose loan scheme, it serves the purpose of providing financial aid for buying consumer products, medical expenditures, travel expenses, repaying loans with high interest rates and so on.

Eligibility Required for the Loan:

The basic criterion to be fulfilled for the loan is entirely based on the income. The income has to be ten times of the net pay of the individual (minimum requirement of in-hand salary is: seven thousand five hundred rupees) or twenty five percent of the Gross Income; thus, choosing an alternative of higher value.

Key Features:

  • Interest Rate-The biggest attraction of this loan is its fixed interest rate of sixteen percent which helps in repaying further expensive loans.
  • Amount of Loan: Borrowers can opt for a loan up to five lakh rupees.
  • Security Deposit: No security deposit is required for a loan up to INR fifty thousand. A loaned amount more than fifty thousand rupees will require five percent of the same as LIC/FD/ Kisan Vikas Patra /National Saving Certificate for security.
  • Tenure for Repayment: The borrower can opt for duration of up to sixty months for repayment of the loan.

Required Documents to Avail the Loan:

  1. The Loan Application Form, in the prescribed format.
  2. One passport-size photograph, KYC/Know Your Customer Documents
  3. An Address Proof
  4. An Identity Proof
  5. Details regarding Salary/Income
  6. Net worth forms
  7. Other documents required by the Bank.

A GST rate of eighteen per cent will be applicable on all services and products of the Bank, with effect from July 1st, 2017.

Disclaimer: Information is gathered from secondary sources and meant for reference only. Loanbaba is not a channel partner of Janakalyan Sahakari Bank.

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