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Jammu and Kashmir Bank
Jammu and Kashmir Bank

About Jammu and Kashmir Bank Personal Loan

Metrics Value
Interest rates Starting 15.5%
Loan range Rs 50,000-Rs 15 lacs
Processing Fee Up to 2% of loan
Pre closure charges Nil

Are you eligible for
Jammu And Kashmir Bank Personal Loan?


At least 21 years old

Less than 60 years old

Salaried Min income of Rs. 15000 pm

Self Employed with Min Turnover Rs. 15 lacs

For what purpose can I avail loans from Jammu And Kashmir Bank Personal Loan?

One can avail home loans from Jammu And Kashmir Bank Personal Loan for the following purposes:

Education
Holidays
House renovation
Marriage
Personal emergency
Purchase of consumer durables
Short term loan for equipment purchase
Short term working capital

FAQs about Jammu And Kashmir Bank Personal Loan:

Can i prepay my Personal loan? Are there additional charges for this?

Yes, lenders are allowed to full pre payment of loans but may levy additional charges of up to 5% of outstanding amount on an average. This penalty charge may vary across lenders.

For what purpose can i avail Jammu And Kashmir Bank Personal Loan?

Personal Loan can be availed for purposes like education, marriage, travel, house renovation, buying white goods, working capital finance and personal emergencies including medical.

What is a personal loan?

Personal loans are aimed to bridge your short to medium term financial requirements.

What is the maximum tenure for Jammu And Kashmir Bank Personal Loan?

Personal Loan are offered for tenures ranging from 12-60 months on an average.

When can i not avail Personal Loan?

Personal loans are not offered for investment in speculative instruments. Nor should one use the funds for investment in gold in any form.
Know Your CIBIL Score: When considering your eligibility for the loan, all lenders will seek out your CIBIL score to confirm your reliability as a borrower.

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