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Accounts
Janata Basic Account
Kids Savings Account
Normal Savings Account
Deposit
Term Deposit
Recurring Deposit
Loans
Education Loan.
Gold Loan/Overdraft
Housing
Housing Loan
Housing Top-Up Loan Scheme
Niwara Loans above Rs.70Lakh (Non-Priority)
Niwara Loans up to Rs.70Lakh (Non-Priority)
Personal
Group Loan
Janata Samruddhi
Janata Utsav Personal Loan
Secured Personal Loan
Unsecured Personal Loan
Loan/OD against Documents
Loan/OD against Fixed Deposit
Loan To Agricultural & Allied activities
Mortgage Loan (LAP)
Solar Energy
Travel Loan
Vehicle Loan
Second Hand (used) Vehicle Loan
Vehicle Loan (Personal Use)
Corporate Banking
Accounts
Current Account
Loans
Business Loan
Business Loan (Pharma/Med)
Business Loans to Jewellers
Janata Vyapar Yojana
CC/WCTL (Other Business)
CRE/Builders & Developers
Janata Industrial Loan CC/WCTL (MSME)
Lease Rent Discounting (LRD)
Loans To Professionals
New Loan Scheme for Educational Institutes
Term loan (Industrial/Commercial premises)
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Loans
/
Business Loan (Pharma/Med)
Business Loan (Pharma/Medcal)
Your Partner in Growth: Finance for Pharma Success.!
Features
Purpose
Security
Eligibility
Interest Rate
Features
Facility:
Term Loan/CC WCTL (Working Capital Term Loan).
O/W Clg. Return Charges: NIL
Credit Rating Concession for Rated Borrowers.
Repayment:
For Cash Credit
– 15 Months.
For Term Loan (FA)
– 84 Months.
Processing Charges:
For fresh credit facilities and renewal of credit facility
0.10% + GST (Max. Rs.10,000/-).
Pre-Payment Charges
: 2% of Outstanding loan amount at the time of closure (If taken over).
The most affordable in the market.
Purpose
Inventory Expansion
: Increase stock of essential medical supplies and pharmaceuticals to meet growing demand.
Working Capital
: Provide the necessary cash flow to manage day-to-day operations, ensuring smooth business continuity.
Expansion plans
: Improve logistics and supply chain processes to ensure timely delivery of products.
Security
Collateral Security:
75 to 100% For Cash Credit WCTL
Eligibility
Your age should be min.21 years and max.65years.
You must be in business for at least 3 years.
Fulfil the credit evaluation process.
Business Registration as Sole Proprietorship, Partnership Firms, Private Limited etc.
Interest Rate
Card Rate –
9.50
% P.A
.
(Floating)
Credit Concession Effective:
For AAA Rating
Concession in Rate of Interest:
1.25
% P.A.
Effective Rate of Interest:
08.25
% P.A.
For AA Rating
Concession in Rate of Interest:
1.00
% P.A.
Effective Rate of Interest:
08.50
% P.A.
For A Rating
Concession in Rate of Interest:
0.50
% P.A.
Effective Rate of Interest:
09.00
% P.A.
For Below A Rating
Effective Rate of Interest:
09.50
% P.A.
For Non-Rated Borrowers:
9.00
%. (* Loans up to Rs.25.00 Lakh).
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
Apply Now
