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Home
About Us
Board of Management
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
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)
Vehicle Loan (Commercial Use)
Trade
Payment Solutions
Digital Banking
SMS
Contactless Debit Card
Mobile Banking
RTGS-NEFT
Standee & Sound Box
UPI
Other Services
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Lockers
Pradhan Mantri Yojana
Know More
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Contact Us
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Home
/
Personal Banking
/
Loans
/
Unsecured Personal Loan
Unsecured Personal Loans
Unlock Your Dreams: Unsecured Personal Loans Made Easy.!
Features
Purpose
Security
Eligibility
Interest Rate
Features
Facility:
Minimum Processing charges.
0.50
% concession for women borrower.
Repayment:
up to 60 months.
Pre-Payment Charges:
Only
2
% Pre-closure penalty.
(
If take over by another Bank/FI
).
The most affordable in the market
.
Purpose
Unsecured personal loans provide flexibility for various financial needs without the risk of losing assets.
Cover unexpected costs without the need for collateral.
Security
Guarantor
Minimum Two Guarantors acceptable to the bank.
One must be salaried personal employed with Gov./Semi Gov./PSU/ Pvt. Reputed Company.
Eligibility
Age
: 21 to 60 years (varies by lender).
Income
: Minimum monthly income of ₹15,000-₹25,000, depending on lender.
Employment
: Salaried or self-employed with stable income.
Credit Score
: Typically 750+ for better chances of approval.
Repayment History
: Clean credit history with no defaults.
Interest Rate
12.50
% per annum on daily reduction basis.
12.00
% P.A. For Women Borrower.
Important Links
Documentation Required
Loan Application Form
EMI Calculator
Service Charges
Apply Now