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Board of Director
Financial Highlights
Personal Banking
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
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Travel Loan
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Current Account
Loans
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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
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Second Hand (used) Vehicle Loan
Second Hand (Used) Vehicle Loan
Ride Smart, Spend Smart: Financing for Pre-Owned Vehicles.!
Features
Purpose
Security
Eligibility
Interest Rate
Features
Pre-Payment Charges:
Nil
Repayment:
3 Years.
Maximum Amount:
Max.50% of Valuation or purchase cost whichever is low.
Processing Charges:
1% For loan up to Rs.10.00 lakh.
0.50% for loan above Rs.10.00 lakh.
The most value-driven choice
Purpose
Used vehicle loans provide customers with an opportunity to purchase quality vehicles at a lower price, making car ownership more accessible.
Security
Vehicle as Collateral
: The car serves as security for the loan.
Title and Registration
: Bank may hold a lien on the car’s title.
Insurance Requirement
: Borrower must maintain comprehensive car insurance.
Loan Agreement
: Outlines terms, repayment, and repossession rights.
Eligibility
The second-hand vehicle must meet certain criteria regarding age, mileage, and condition, as set by the lender.
Minimum 21 years of age
Maximum 60 years of age at maturity (conditions apply)
Minimum net annual salary of Rs 2,40,000 p.a. for certain models and Rs 3,00,000 p.a. for specific models
Income eligibility based on latest salary slip/form16/ last 3 months bank statements
Minimum 1 year of continuous employment
Interest Rate
For Second Hand (Used) 4-Wheeler (Personal)
: 11.00%P.A.
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
Apply Now