Best Interest Rate for Janalaxmi Personal Loan

About Janalaxmi

Founded and promoted by Ramesh Ramanathan, Janalakshmi commenced its microfinance operations in July 2006 by absorbing the Sanghamithra Urban Programme. Indian urban micro-credit experiences are limited to a few institutions, owing to an overall lack of focus on these markets along with the complexity of operating in an urban environment. Apart from the Sewa Bank in Ahmedabad, Sanghamithra Urban Programme has been one of the pioneers of urban micro-finance in India. The promoter of Janalakshmi had been instrumental in the formation and successful operations of Sanghamithra Urban Programme as well. As Janalakshmi evolved, it was envisioned that it shall absorb the Sanghamithra Urban Programme(SUP).


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Everything You Need To Know About Personal Loan


Get a step closer to your dreams and goals by availing our Personal Loans and meet your financial needs. You can avail a personal loan to meet unexpected expenses, a dream holiday, school or college fees, wedding expenditure, home improvement expenses or even purchase of consumer durables.

Document Checklist

Most banks follow the same general rules in terms of document requirement. There may be a few changes in certain cases, in which case, our loan officers will guide you personally to complete the documentation process. Salaried individuals.

1. Form 16 of last 2 years or Income Tax Returns.

2. Salary slips of last 3 months.

3. Last 6 months bank statement reflecting salary credits.

4. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card and Residence Proof – Passport/      Utility bills/ Bank Statements.

5. Cheque of Processing Fee.

Eligibility Criteria

Your eligibility for Home Loan is determined by the following factors:-

Income/ Other Income



Property value

No of dependents

Bank Balance