Loan Products

JP Vastu Siddhi Scheme (Housing Loan)

Max Loan Amount ₹70.00 Lakhs
Max Tenure
Margin 20% of purchase/construction cost
Collateral Security —

Purpose

Construction / Purchase of Residential Unit.

Eligibility

All individuals.

Prime Security

Residential Unit / House / Flat to be purchased / constructed + One guarantor.

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JP Gold Loan

Max Loan Amount ₹10.00 Lakhs
Repayment Bullet (≤₹2L) / EMI upto 5 Years
Margin 25% of 22-carat gold valuation (IBJA 30-day avg.)
Collateral Security —

Purpose

Urgent personal expenses — marriage, medical, educational needs, agriculture, or any legitimate purpose except speculative.

Eligibility

All individuals.

Prime Security

Pledge of Gold Ornaments. Gold coins upto 50 gm per account (as per RBI guidelines); above 50 gm coins not accepted.

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JP GMOD

Max Loan Amount ₹25.00 Lakhs
Repayment Annual renewal; monthly interest compulsory
Margin 25% of 22-carat gold valuation (IBJA 30-day avg.)
Collateral Security —

Purpose

Any purpose except those prohibited by law or purchase of gold.

Eligibility

All individuals & Proprietary concerns (not eligible for other constitutions).

Prime Security

Pledge of Gold Ornaments. Gold coins upto 50 gm per account (as per RBI guidelines); above 50 gm coins not accepted. Nomination compulsory. No overdrawings permitted.

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JP Laghu Karja Yojana

Max Loan Amount TL / WC upto ₹25.00 Lakhs
Max Tenure WC: Yearly renewal; TL: 84 months
Margin WC: 25% paid stock / 50% book debts; TL: 25% chargeable assets
Collateral Security Min. 100% distress value of loan amount

Purpose

Working Capital & Term Loan for procuring business‑related assets.

Eligibility

All retailers & wholesalers including medicals, small traders, micro & small enterprises, service providers, medicine distributors, etc.

Prime Security

WC: Stock as per nature of business & book debts not older than 90 days. TL: Fixed asset created.

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JP Trade Finance Scheme

Max Loan Amount Above ₹25.00 Lakh upto ₹500.00 Lakh
Max Tenure WC: Yearly renewal; TL: 84 months
Margin WC: 25% paid stock / 50% book debts; TL: 25% quotation/estimated price
Collateral Security Min. 100% distress value of loan amount

Purpose

Working Capital & Term Loan.

Eligibility

All retailers & wholesalers (irrespective of goods/products type), manufacturers & service providers.

Prime Security

HY/CC, stock & book debts outstanding upto 90 days. TL: fixed asset purchased/created, other than land.

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JP Dhanwantari Loan Scheme

Max Loan Amount As per bank's credit exposure limit
Max Tenure CC: Yearly renewal; TL: 120 months (incl. moratorium)
Margin TL: 15% (equipment) / 25% (civil); WC: 25% stock & receivables
Collateral Security Owned: 25% distress value; Rented: 100% distress value

Purpose

Working Capital limit & Term Loan for creation of assets.

Eligibility

Qualified registered medical practitioners / hospitals.

Prime Security

Hypothecation of movable assets & mortgage of immovable assets acquired out of bank finance.

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JP Arogya Sampada Scheme

Max Loan Amount Upto ₹500.00 Lakh
Max Tenure WC: 1 Year; TL: 120 months (incl. moratorium)
Margin WC: 25% paid stock / 25% book debts; TL: 25% quotation/estimated price
Collateral Security Min. 100% distress value of loan amount

Purpose

Working Capital & creation of fixed assets.

Eligibility

All wholesalers, retailers, stockists of surgical items/equipment, medicinal, cosmetics & toiletries products.

Prime Security

Stock of medicine, surgical instruments/equipment, cosmetics & toiletries products, book debts, and asset built‑up from term loan.

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JP Commercial Vehicle Loan

Max Loan Amount ₹300.00 Lakh
Max Tenure Upto 60 months
Margin 15% on‑road price (incl. insurance, taxes & registration)
Collateral Security Min. 50% distress value of loan amount

Purpose

Purchase of commercial vehicle or creation of fixed asset for business purpose.

Eligibility

All individuals & business concerns.

Prime Security

Commercial vehicle purchased (approx. ₹3.75 lakh to ₹55.00 lakh per vehicle).

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JP Car Loan

Max Loan Amount ₹20.00 Lakhs
Max Tenure 60 months
Margin 25% for new cars (on‑road price)
Collateral Security Immovable property for loans above ₹15 Lakh

Purpose

Purchase of new car (upto 8 seater).

Eligibility

All individuals & business constitutions.

Prime Security

Car to be purchased.

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JP Salary Loan

Max Loan Amount TL ₹2.00 Lakh
Max Tenure Max 60 months or 6 months before retirement, whichever is earlier
Margin —
Collateral Security Assignment of life policy (sum assured ≥ loan amount)

Purpose

Consumer durables, furniture/fixtures, home repairs, marriage/religious ceremonies, travel, medical expenses, or any other bank‑approved purpose.

Eligibility

Permanent salaried individuals representing any corporate or institutional employer.

Prime Security

—

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JP Education Loan

Max Loan Amount India: ₹10.00 Lakh | Abroad: ₹20.00 Lakh
Max Tenure Upto 60 months + moratorium (course + 1 year)
Margin 25% of total estimated expenditure
Collateral Security Min. 100% distress value of loan amount

Purpose

To meet educational expenditure for pursuing higher education (fees + books + living cost as specified by college/university/institution).

Eligibility

All individuals.

Prime Security

—

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Overdraft against LIC / NSC / KVP

Max Loan Amount 75% of surrender/face value
Max Tenure Upto maturity date of LIC / NSC / KVP
Margin LIC: 25% surrender value; NSC/KVP: 25% of face value
Collateral Security Nil

Purpose

For meeting temporary credit mismatch.

Eligibility

Individuals & all other forms of business constituents.

Prime Security

LIC policy / NSC / KVP. NSC/KVP released after expiry of lock‑in period.

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JP Tractor Loan Scheme (Agricultural Use)

Max Loan Amount ₹10.00 Lakh
Max Tenure Upto 84 months
Margin 15% on‑road price (incl. tractor, trailer, accessories, insurance, taxes & registration)
Collateral Security Mortgage of agricultural land

Purpose

Purchase of tractor, trailer, accessories, implements & allied equipment for agricultural purpose only.

Eligibility

Agriculturists proposing to use tractor, trailer, accessories, implements & allied equipment for agricultural purpose only.

Prime Security

Tractor, trailer, accessories, implements & allied equipment (approx. tractor value ₹3.50 lakh to ₹13.00 lakh).

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JP Mangal Karyalaya Loan Scheme

Max Loan Amount As per exposure limit / max permissible finance
Max Tenure
Margin 25% of total construction/project cost
Collateral Security 100% of loan amount

Purpose

1. Construction of marriage hall. 2. Purchase of accessories/utensils.

Eligibility

Individuals / Partnership Firms.

Prime Security

Land and building of marriage hall.

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