Gold Loan

A Gold Loan from Jana Small Finance Bank Limited helps you unlock the true potential of your idle gold. With minimal documentation, quick disbursement, and complete safety of your gold, a Gold Loan from Jana Small Finance Bank is the easiest and quickest way to obtain funds for your immediate personal, agricultural and business requirements. Minimum loan amount starts at INR 10,000 at attractive interest rates. Visit us at your nearest branch, to learn more about our Gold Loan offerings (Jana Gold Loan)

Key Benefits

FEATURES BENEFITS
Convenience
  • Avail Gold loans starting at INR 10,000 and enjoy flexible repayment options
  • If required, avail instant cash disbursement for loan amounts up to INR 20,000.
Higher Loan to Value (LTV) Rates
  • Get a high LTV* for the same quantity of gold as we offer one of the highest LTV rates.
Instant Disbursements
  • Enjoy easy and quick Gold Loan disbursement.
  • Both, Cash Disbursements (up to INR 20,000) and Fund Transfer options are available
Safety of your Ornaments
  • Gold pledged with us is kept safely in our custody
Attractive Interest Rates
Transparent Pricing
  • No hidden charges.
  • All Gold Loan rates and charges are communicated to the customer in writing.
Income Generating Loan Benefits
  • We offer higher LTV for income-generating loans designed for economic activities or other ventures intended to generate income allowing prospective borrower to obtain higher loans.

*Terms and Conditions Apply

Eligibility Criteria

Indian Citizens aged from 18 to 79 years

How to Apply

  • Visit the nearest branch to understand more about our Gold Loan offering.
  • You can also contact us and our Customer Care Executive will explain to you our Gold Loan offering.

Required Documents

  • Identity and address proof / Officially Valid Documents (OVD): Aadhaar, Passport, Voter ID, Driving License, NREGA Card & Letter issued by the National Population Register containing details of name and address.
  • Other Document: PAN card / Form 60
  • In case of non-availability of PAN card, the prospective borrower is required to submit Form 60
  • Additional documents required for a Gold Loan availed for Agricultural purpose:
    • Agricultural Land Document;
    • Dairy Proof (such as Milk passbook/letter/statement/ veterinary doctor certificate);
    • Other Allied Activity Proof (Goat Rearing, Piggery, Sericulture, Fisheries etc.) basis the necessary proofs issued by Government; and
    • Certificate from local revenue official/ADO/AEO/PDO/VDO/Sarpanch/Village level revenue officer/Ward member etc stating activity of the prospective borrower.

For Terms and Conditions, please contact the nearest Jana Small Finance Bank branch.

Service Charges & Fees   |   Terms & Conditions



Apply Now

We appreciate your interest in Jana Small Finance Bank. Simply leave your details below to get a call back from our customer care.

Need Help?

Banking Toll Free:  1800 2080
MFI Toll Free:  1800 4200

Locate Nearest Branch

Download our Mobile Banking App

 

 
© 2022 Jana Small Finance Bank Limited
Terms & Conditions | Disclaimer | GST Identification Number | Privacy Policy | Sitemap
ALERT
The Bank’s mobile application will not function on devices with remote access or screen-sharing apps installed. To keep your account secure, please uninstall such apps. Thank you for your support.
We’ve upgraded your Mobile Banking App! Update now to enjoy enhanced security, new features, and a smoother experience.
Effective 4th October 2025, cheques deposited between 10 AM to 3 PM will be cleared on the same day as per RBI guidelines.       
As per RBI guidelines, you are requested to register your cheque issuance details through Positive Pay for value of 50,000/- & above.           Please contact Jana SFB at the following Toll free number 1800 2080, to register the details of cheque for value of Rs 50,000/- & above whenever issued by you.