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Various personal loan schemes like Consumer Loan, Saholiat/Saral Finance Scheme for Employees, Saral/Saholiat Finance Scheme for Pensioners, Laptop/ PC Finance, Scooty Finance for Girls/ Ladies, Festival Advance Scheme and Smartphone Finance are offered by Jammu and Kashmir Bank to cater to various personal needs of different individuals. If you are a government employee, private employee, self-employed individual/professional, student of recognized institutions or a pensioner, you can apply these schemes online as well as offline.
Jammu and Kashmir Bank – Customer Care Numbers
Board line numbers: (0194) 2481930-2481935
Contact Centre: 1800 1800 234
Customer Care: 0194-2481999
E-banking: 1800 1800 234
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- Type your name, email address, mobile number
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- Mention your complaint/feedback
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FAQs
Q. What is the tenure for a Jammu and Kashmir Bank personal loan?
Ans. The tenure of a Jammu and Kashmir Bank personal loan differs depending on the type of scheme you avail. For example, the tenure of a consumer loan is 60 months, the tenure of the Saholiat/Saral Finance plan is 84 months, the tenure of the Saral/Saholiat Finance Scheme for Pensioners ranges from four years to 60 months depending on the profile of the borrower, the tenure of the Smartphone Finance plan is 30 months, the tenure of the PC/Laptop scheme ranges from three years to four years dependent on the sum obtained, the tenure of the Festival Advance plan is 10 months, the tenure of the Sahafat Finance Scheme is 60 months.
Q. What all can I buy from Consumer Loan offered under the Jammu and Kashmir Bank Personal Loan Category?
Ans. You can buy Refrigerators and deep freezers, TV (LCD, LED, 3D, etc.), Home theater and music systems, Water purifiers, Vacuum cleaners, AC (split as well as window), Geysers, Generators (only non- kerosene), Heating equipment ( Electric Heaters including Oil fired Heaters, LPG Heaters/ Bukharis), Invertors complete kit, Invertor batteries, Cooking range, Furniture (wooden and steel), etc.
Q. What is the eligibility criterion for Saral/Saholiat Finance Scheme for Pensioners?
Ans. A central/state government pensioner drawing pension through Jammu and Kashmir Bank including family pensioners can apply for Saral/Saholiat Finance Scheme for Pensioners.
Q. What is the loan amount offered under the Scooty Finance for Girls/ Ladies scheme?
Ans. The loan amount offered goes upto Rs. 50,000.
Q. How can I apply for Jammu and Kashmir Bank Personal Loan Offline?
Ans. You can apply for Jammu and Kashmir Bank Personal Loan offline by visiting the nearest branch of the bank.