Jammu & Kashmir Bank Personal Loan Interest Rates

Interest Rate Comparison Tool

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  • J&K PL Interest Rate of 12.30%-14.30%
  • Compare Rates & Use EMI Calculator

Searching for personal loan interest rates offered at a private lender Jammu & Kashmir Bank? Well, the rates range from 12.30%-14.30% per annum, depending on the category of customers – salaried, pensioners, teachers or others. It also varies based on whether a customer is running a salary account with the bank or not.


Jammu & Kashmir Bank Personal Loan Interest Rates {%MONTH%} 2024

Particulars Salaried
Interest Rates 12.20% - 13.20%
Loan Amount 36 months gross salary or 20 lakh, whichever is lower
Loan Tenure Up to 7 years
Processing Fee NIL - 1% of the loan amount + applicable GST
Prepayment & Other Charges As applicable by the bank

Jammu & Kashmir Bank Balance Transfer Interest Rates

If you are already servicing a personal loan at a lender charging higher interest rates than what’s offered at J&K Bank, you can then shift the balance outstanding to the latter to save on the EMI and interest repayments. The processing to shifting the outstanding loan balance from one lender to another before expiry of the tenure is called as a balance transfer.

J&K Bank Personal Loan Calculator

You can always refer to the EMI calculator to ascertain the installments applicable on a loan. Checking the calculator before applying for a loan is one good exercise a borrower must do to get an idea of the EMI and interest payable from your end over the course of a loan. You just need to enter the loan amount, interest rate and the tenure to compute the indicative EMI as well as interest outgo.

Jammu & Kashmir Bank Personal Loan Status

Post applying for a loan, one thinks of checking the status of the same, isn’t it? You can thus check the status by calling the executive of the branch where you had submitted your application, or the customer care centre. The executives can suggest measures to remove the discrepancies, if exist, from your application to ensure a smooth approval from the bank.

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