J and K Grameen Bank

J and K Grameen Bank

J and K Grameen Bank is an RRB( Regional Rural Bank), established on 30 June 2009. It was established under subsection 1 of Section 23A  of RRB Act, 1976.

It has its branches in 11 districts of J and K and 2 branches in Ladakh.

J and K Grameen Bank Offerings

• Current account
• Saving account
• Saving deposit Schemes
• Fixed deposit
• Cash credit receipt
• Monthly yield deposit
• Smart saver deposit scheme
• Recurring Plus Deposit Scheme
• JKGB- Girl Pride RD- Cum Fixed Deposit Scheme
• Covid-19 Emergency line of credit
•  Car Loan
•  Commercial Vehicle Loan
•  Contractor Finance Scheme
•  Dairy Loan
•  Easy Finance to Traders/Small Businessman
•  Education Loan
•  Festival Advance for General Public
•  Financing Working Capital Requirements of Traders/ Businessmen/ MSME units through Cash Credit Limits
•  Home Loan
•  J and K Grameen Bank Agri Clinics & Agri-Business Centres (ACABC) Scheme
•  J and K Grameen Bank Loan Scheme for Development of Real Estate
•  J and K Grameen Bank Loan Scheme for Financing Passenger Buses for Private Educational Institutions
•  J and K Grameen Bank Loans against Future Rent Receivables (Discounting of Rentals)
•  J and K Grameen Bank Machine Finance Scheme
•  J and K Grameen Bank Weaver MUDRA Scheme
•  Joint Liability Group (JLG)
•  Kisan Credit Card
•  Loan Scheme for Establishment of Apple Orchards (High Density & Traditional) in Kashmir Region is also Available Under Area Development   Scheme of Nabard.
•  Loan Scheme for Used/Second-Hand cars
•  Loan/ SOD Facility against NSC/ KVP Life Policies
•  Mortgage Loan
•  PCL (Consumption Loan For Professionals And Businessmen)
•  PCL (Personal Consumption Loan for General Public)
•  PCL (Personal Loan Scheme For Pensioners)
•  Revised General Credit Card (GCC) Scheme
•  Scheme of Financial Assistance to General Public For Purchase of Consumer Durable Goods
•  Tractor Finance
•  Two Wheeler Loan
•  Used/Second Hand Commercial Vehicle Loan

J and K Grameen Bank Loan Offered

•  Covid-19 Emergency line of credit
•  Car Loan
•  Commercial Vehicle Loan
•  Contractor Finance Scheme
•  Dairy Loan
•  Easy Finance to Traders/Small Businessman
•  Education Loan
•  Festival Advance for General Public
•  Financing Working Capital Requirements of Traders/ Businessmen/ MSME units through Cash Credit Limits
•  Home Loan
•  J and K Grameen Bank Agri Clinics & Agri-Business Centres (ACABC) Scheme
•  J and K Grameen Bank Loan Scheme for Development of Real Estate
•  J and K Grameen Bank Loan Scheme for Financing Passenger Buses for Private Educational Institutions
•  J and K Grameen Bank Loans against Future Rent Receivables (Discounting of Rentals)
•  J and K Grameen Bank Machine Finance Scheme
•  J and K Grameen Bank Weaver MUDRA Scheme
•  Joint Liability Group (JLG)
•  Kisan Credit Card
•  Loan Scheme for Establishment of Apple Orchards (High Density & Traditional) in Kashmir Region is also Available Under Area Development Scheme of Nabard.
•  Loan Scheme for Used/Second-Hand cars
•  Loan/ SOD Facility against NSC/ KVP Life Policies
•  Mortgage Loan
•  PCL (Consumption Loan For Professionals And Businessmen)
•  PCL (Personal Consumption Loan for General Public)
•  PCL (Personal Loan Scheme For Pensioners)
•  Revised General Credit Card (GCC) Scheme
•  Scheme of Financial Assistance to General Public For Purchase of Consumer Durable Goods
•  Tractor Finance
•  Two Wheeler Loan
•  Used/Second Hand Commercial Vehicle Loan

J and K Grameen Bank Gold Loan

A gold loan, also known as a loan against gold, is a secured loan obtained from a lender in exchange for gold ornaments such as gold jewellery/coins. Lenders will usually grant you a loan based on a percentage of the gold’s value. You can repay it in monthly instalments and then get your gold items back. Unlike other secured loans, such as a home loan or a car loan, there are no restrictions on how gold loans can be used. So, whether you need to fund a wedding, a family vacation, or your child’s education, it is a great way to meet an unexpected financial need.

J and K Grameen Bank Gold Loan Interest Rate, Fees and Additional Charges

Eligibility criteria

J and K Grameen Bank Personal Loan

J and K Grameen Bank Personal Loan Key Features

Documents Required

If you are a salaried candidate:

• ID Proof in the form of a valid passport or PAN card, or any other valid government ID Address Proof in the form of a phone bill, Aadhaar Card, or electricity bill, or any other valid proof acceptable to the bank
• Salary slips from the last six months, Form 16S from the last three years, a letter from your employer, and
• Income Tax Returns from the last three years are all acceptable forms of proof of income.
• PAN Card and two passport-sized photos
• Any other documents that the bank may require.

For non-salaried applicants:

• ID Proof in the form of a valid passport or PAN card, or any other valid government ID Address Proof in the form of a phone bill, Aadhaar Card, or electricity bill, or any other valid proof acceptable to the bank
• Income proof in the form of three years’ worth of income tax returns PAN Card Two passport-sized photographs
• Any other documents that the bank may require

Applying Procedure

You can apply for a personal loan at the united bank of India(Punjab National Bank) in two different ways:-

OFFLINE MODE:- You can easily apply for a personal loan easily by visiting the bank. For this:-

1. Visit the bank branch.
2. Meet the official there,
3. And ask them for a personal loan application form
4. Go home and fill the application form and attach it with all the documents required
5. Now visit the bank branch nearest to you again to submit the form.
6. Now visit them again and again to complete the procedures they ask for,
7. Till the time your home loan is approved.

ONLINE MODE:- Another way to apply for a personal loan is to apply online.

1. Visit the official website of PNB.
2. Go to the personal loan section from the home page.
3. Download the loan form
4. Fill it and attach all the required documents.
5. Submit it to the nearest branch and wait for the approval.

A hassle-free and straightforward way to do this is applying through dialabank to do so you just need to:-

1. Visit the official website of dialabank.
2. Go to the personal loan section.
3. A form will be displayed in front of you.
4.  Fill out the form.
5. As soon as you fill out the form our representative will contact you and guide you.
6. Just follow those directions given by our customer care representative and get your loan approved in lesser than 30 mins.

J and K Grameen Bank Car loan

J and K Grameen Bank has a variety of car loan programmes for both retail and commercial customers. There are separate plans for government employees and those who have already taken out a home loan. In addition, the bank offers a scheme that allows you to apply for both a car loan and a home loan in one go.

J and K Grameen Bank Car Loan Interest Rate, Fees and Additional Charges

J and K Grameen Bank Home loan

J and K Grameen Bank Home Loan Interest Rate, Fees and Additional Charges

Applying Procedure

You can apply for a home loan at the united bank of India(Punjab National Bank) in two different ways:-

OFFLINE MODE:- You can easily apply for a home loan by visiting the bank. For this:-

1. Visit the bank branch.
2. Meet the official there,
3. And ask them for a home loan application form.
4. Go home and fill the application form and attach it with all the documents required.
5. Now visit the bank branch nearest to you again to submit the form.
6. Now see them again and again to complete the procedures they ask for,
7. Till the time your home loan is approved.

ONLINE MODE:- Another way to apply for a home loan is to apply online.

1. Visit the official website of PNB.
2. Go to the home loan section from the home page.
3. Download the loan form
4. Fill it and attach all the required documents.
5. Please submit it to the nearest branch and wait for approval.

A hassle-free and straightforward way to do this is by applying through dialabank. To do so, you need to:-

1. Visit the official website of dialabank.
2. Go to the home loan section.
3. A form will be displayed in front of you.
4.  Fill out the form.
5. As soon as you fill out the form, our representative will contact you and guide you.
6. Just follow those directions given by our customer care representative and get your loan approved in lesser than 30 mins.

J and K Grameen Bank Credit card

Jammu and Kashmir Grameen Bank has launched the Jammu and Kashmir Grameen Bank Kisan Credit Card to provide farmers with adequate, hassle-free, and timely credit for agricultural and allied expenses through a single window.

Objective

• Short-term credit requirements for crop cultivation
• Expenses incurred following harvest
• Create a marketing loan
• Consumption needs of a farmer’s household
• Working capital for farm asset maintenance and agricultural-related activities such as dairy animals, inland fishing, and so on.
• Investment credit is required for agricultural and allied activities such as pump sets, sprayers, dairy animals, etc.

Eligibility

• Individuals / Joint Borrowers who are Owner Cultivators – All Farmers
• Share Croppers, Tenant Farmers, and Oral Lessees
• Farmers’ SHGs/JLGs, including tenant farmers, sharecroppers, and so on.

J and K Grameen Bank Net banking

Internet banking has completely transformed the way most people manage their bank accounts. Because of its convenience and accessibility, it has become one of the most popular conducting of financial transactions. Customers can use internet banking to view account statements, pay credit card bills, instantly transfer funds, and pay for online shopping sprees. Furthermore, the ease of not visiting the bank and waiting in long lines adds to the appeal of conducting financial transactions online. J&K Grameen Bank also provides this service to its customers.

J and K Grameen Bank Customer Care Number

HEAD OFFICE WINGS :

REGIONAL OFFICES :

J&K Grameen Bank Customer Complaints

You can visit your complain to your bank branch if you have any complaints or grievances. Still, if the complainant does not receive a response from the bank within 30 days, or if the bank rejects the criticism, or if the complainant is dissatisfied with the bank’s response, they may file a complaint with the Banking Ombudsman.

How to Open a Savings Account in J&K Grameen Bank

To open a savings bank account in J&K Grameen Bank, you need to follow the below-mentioned steps:

(1) Personally Visit J&K Grameen Bank Branch

Firstly, you will require to tour the bank branch in which you want to open your account.

(2) Fill out the Savings Account, Account Opening Form.

First, get the form from there and fill all the mandatory details of the customer’s information and other information in the different sections given in the designated form like name, address, contact number, e-mail id, PAN, type of account to be opened, nominee’s name, etc.

(3) Attach Required all the Mandatory Documents with the Account Opening Form (AOF)

After filling out the account opening form, you need to attach KYC documents like PAN, Proof of Address & Proof of Identity.

Some banks make it mandatory to provide a Permanent address and telephone number.

(4) Verification process will start now

The banker will verify the Account Opening Form and other attached documents. If he is happy with these requirements, he will proceed further.

(5) Now, deposit the Minimum Balance Amount into your Savings Account per the requirements of your Savings Account.

After verifying the banker’s Account Opening Form (AOF) & Other Documents, you will be allotted an account number. You will then be obligated to deposit the least requisite balance in your account as per the account type of the savings bank account.

(6) Now go to the bank and get the Cheque Book, Passbook, Debit Card, and other documents.

Once your account has been successfully opened, the banker will hand over the Cheque Book, Passbook, Debit Card, and Other Documents to you, and you will be able to make transactions from your account.

How to Open a Current Account in J&K Grameen Bank

If you require to initiate a current account in J&K Grameen Bank, you need to follow these simple below-mentioned steps:

(1) Visit the Bank Branch

For this, first, you need to visit the bank branch in which you need to open your account.

(2) Fill the Account Opening Form (AOF) for Current Account

Get the Account Opening Form and fill in all the necessary details of the customer’s information and other information in the different sections given in the form like name, address, contact number, e-mail id, PAN, type of account to be opened, nominee’s name, etc.

(3) Attach Required Documents with the AOF

After finishing the account opening form, you must attach KYC documents based on the type of account you wish to open, such as a savings account, a current account, and so on. These documents will also be dependent on your legal status, such as Individual, HUF, Proprietor, Partnership Firm, Company, Trust, and so on.

(4) Get your AOF & Other Documents by the Banker

The banker will verify the AOF and other attached documents. They will proceed if he is satisfied with these requirements.

(5) Deposit the Minimum Balance Amount in the Account

After it, you will be assigned an account number, and you are needed to submit the minimum required balance in your account.

(6) Obtain your Cheque Book, Passbook & Other Documents from the Bank

After that, the bank will be successfully open your account, and the banker will hand over Cheque Book, Passbook & Other Documents to you, and then you will be allowed to start the activity from your account.

J&K Grameen Bank FAQs

✅ Is J&K Bank an RRB?

Yes, J&K Bank is an RRB(Regional rural bank).

✅ What is the maximum gold loan tenure?

The highest tenure for J and K Grameena Gold Loan is up to 12 months.

✅ What is the minimum gold loan tenure?

The minimum tenure for a J and K Grameena Gold Loan is 3 months.