Transparency You Can Trust
We believe in clarity and honesty.
Here's how we ensure your gold loan experience is seamless and stress-free:
Gold Valuation
- Purity and net weight determined using state-of-the-art equipment.
- Only intrinsic gold value considered (excluding stones and fastenings).
Loan-to-Value (LTV)
- Up to 75% for loans ≤ ₹2.5 lakh.
- Up to 70% for loans > ₹2.5 lakh and ≤ ₹5 lakh.
Fair Practices
- Transparent documentation with all terms clearly outlined.
- RBI-compliant valuation and auction policies.
Grievance Redressal
We are committed to resolving your concerns in a timely and respectful manner. Please follow the steps below to raise your grievance.
Step 1: Contact Customer Care
Email: customercare@janakalyan.net
Number: 1800-3455-207
Step 2: Escalate to Grievance Officer
Name: Ms. Kanika Biswas
Email: qccsupport@janakalyan.net
Phone: 6296784046
Step 3: Write to Nodal Officer
Name: Mr. Mousam Paul
Contact no: 7596077407
Email: nodalofficer@janakalyan.net
Address: CD-193, Salt Lake, Sector-1, Kolkata-700064
*Terms and conditions apply. Exact interest rates, fees, and tenure to be finalized at the time of loan agreement.
Branch Infrastructure & Safety Measures
24x7 CCTV Surveillance
All branches are monitored with high-definition cameras for enhanced safety.
Secure Vaults
Gold assets are stored in BIS-compliant, fire-resistant vaults with biometric access.
Trained Security Personnel
Armed and certified guards are deployed at each location to ensure customer safety.
Sanitized Premises
Regular cleaning and sanitization protocols are followed at all customer touchpoints.
Insurance Protection
Your pledged gold is insured against all risks during loan tenure and storage.
Strong IT Infrastructure
Digital record-keeping, real-time tracking, and secure loan management systems.
