💡 Why Choose JPG Multipurpose Trade for Loans?
Your trusted partner for all financial needs since 5+ years
50+ Banking Partners
Extensive network with leading banks and NBFCs ensures you get the best rates and highest approval chances based on your profile.
99% Approval Rate
Our expertise in documentation and strategic lender selection results in industry-leading approval success rate for all loan types.
Fastest Processing
Personal loans in 24-48 hours, gold loans in 30 minutes. Pre-verified documentation and strong bank relationships ensure quick disbursal.
100% Transparent
No hidden charges, complete disclosure of interest rates, processing fees, terms. Free consultation with realistic eligibility assessment.
Expert Guidance
Personalized attention from Jyoti Jha's experienced team. We analyze your situation and recommend the most suitable loan options.
₹10Cr+ Disbursed
Successfully helped 1,000+ customers across Bihar achieve their financial goals with proven expertise over 5+ years.
✨ Key Benefits of Taking Loans Through Us
What makes our loan services special
No Upfront Fees
Our consultation and assistance services are 100% FREE. We earn from bank commissions only after successful loan disbursal, ensuring our interests align perfectly with yours. You pay standard processing fees directly to the lender as per their published schedule.
Complete Documentation Support
We provide personalized documentation checklist, assist with document arrangement, review everything for accuracy, and prepare professional application presentation that significantly increases your approval chances compared to self-application.
Best Interest Rates
Our relationships with 50+ banks and NBFCs enable us to negotiate better terms and competitive interest rates. We compare multiple offers and help you choose the most cost-effective option for your specific situation.
Post-Disbursal Support
Our service doesn't end with loan disbursal. We provide continued support throughout your loan tenure, assist with EMI payment issues, advise on prepayment/foreclosure options, and handle any queries making us your financial partner for life.
Local Presence
Based in Forbesganj with deep understanding of local market and customer needs. Walk-in consultations welcome without appointment. Face-to-face support when you need it most, unlike online-only platforms.
Rejection Revival
Previous loan rejections? No problem! We analyze rejection reasons, fix documentation gaps, improve credit profile, and match you with suitable lenders who approved similar cases. Many of our successful customers faced prior rejections.
👥 Who Can Apply for Loans?
Loans available for everyone with diverse profiles
Salaried Professionals
Government, private sector, MNC employees with regular salary
Business Owners
Proprietorships, partnerships, LLPs, companies, traders
Self-Employed
Doctors, CAs, lawyers, consultants, freelancers with stable income
Students & Parents
Education loans for higher studies in India or abroad
📊 Loan Comparison Table
Compare all loan types at a glance
| Loan Type | Amount Range | Interest Rate | Tenure | Processing Time | Collateral |
|---|---|---|---|---|---|
| Personal Loan | ₹50,000 - ₹40 Lakhs | 10.5% - 24% p.a. | 1 - 5 Years | 24-48 Hours | Not Required |
| Business Loan | ₹1 Lakh - ₹1 Crore | 12% - 22% p.a. | 1 - 7 Years | 3-7 Days | Optional |
| Home Loan | ₹5 Lakhs - ₹5 Crores | 8.5% - 11% p.a. | Up to 30 Years | 7-15 Days | Property Mortgage |
| Loan Against Property | ₹5 Lakhs - ₹10 Crores | 9% - 13% p.a. | 5 - 20 Years | 10-20 Days | Property Required |
| Car Loan | Up to 90% of Vehicle Value | 8.5% - 14% p.a. | 1 - 7 Years | 2-5 Days | Vehicle Hypothecation |
| Gold Loan | Based on Gold Weight | 7.5% - 16% p.a. | 6 Months - 3 Years | 30 Minutes | Gold Pledge |
| Education Loan | Up to ₹1.5 Crores | 8.5% - 15% p.a. | 5 - 15 Years | 5-10 Days | Above ₹7.5L Required |
📋 Detailed Loan Information
Everything you need to know about each loan type
Personal Loan
Unsecured personal loans for any urgent financial need - medical, wedding, education, travel, debt consolidation.
📊 Key Features
- Amount: ₹50,000 - ₹40 Lakhs
- Interest: 10.5% - 24% p.a.
- Tenure: 1-5 Years (12-60 months)
- Processing: 24-48 hours
- No collateral or security needed
✅ Eligibility
- • Age: 21-65 years
- • Income: Min ₹15,000/month (Salaried)
- • Credit Score: 700+ (650+ considered)
- • Employment: 2+ years total, 1+ current job
- • Self-employed: 2+ years business
📄 Documents Required
- • PAN Card & Aadhaar Card
- • Last 3 months salary slips
- • Last 6 months bank statement
- • Employment letter/ID card
- • Address proof & passport photos
Business Loan
Unsecured business funding for working capital, expansion, inventory, equipment or any business need.
📊 Key Features
- Amount: ₹1 Lakh - ₹1 Crore
- Interest: 12% - 22% p.a.
- Tenure: 1-7 Years flexible
- Processing: 3-7 days
- Unsecured funding available
✅ Eligibility
- • Business Age: 2+ years operation
- • Annual Turnover: Min ₹10 lakhs
- • Credit Score: 680+ (640+ considered)
- • Entity: Proprietorship, Partnership, LLP, Pvt Ltd
- • Profitability: Positive cash flow preferred
📄 Documents Required
- • PAN & Aadhaar (Proprietor/Partners)
- • Last 2 years ITR with computation
- • Last 6-12 months bank statements
- • Business registration proof (GST/Shop Act)
- • Financial statements if available
Home Loan
Finance your dream home - purchase, construction, renovation, or balance transfer with lowest rates.
📊 Key Features
- Amount: ₹5 Lakhs - ₹5 Crores
- Interest: 8.5% - 11% p.a.
- Tenure: Up to 30 years
- Processing: 7-15 days
- Up to 90% property value
- Tax benefits under 80C & 24
✅ Eligibility
- • Age: 21-65 years (at loan maturity)
- • Income: Min ₹25,000/month combined
- • Credit Score: 750+ (700-750 normal rates)
- • Employment: Stable income source
- • Property: Clear legal title required
📄 Documents Required
- • Identity & address proof
- • Income proof (salary/ITR)
- • Bank statements (6 months)
- • Property documents (sale deed, plan)
- • Tax receipts & NOC
Loan Against Property
Leverage property for high-value loans. Use for business, personal, or any purpose. Property stays with you.
📊 Key Features
- Amount: ₹5 Lakhs - ₹10 Crores
- Interest: 9% - 13% p.a.
- Tenure: 5-20 Years
- Processing: 10-20 days
- Up to 70% property value
✅ Eligibility
- • Age: 21-70 years
- • Property: Residential/Commercial owned
- • Credit Score: 700+
- • Income: Stable repayment capacity
📄 Documents Required
- • Identity, address & income proof
- • Property documents & sale deed
- • Tax receipts & encumbrance certificate
Car Loan
Finance new and used cars with easy EMI. Up to 90% on-road price funding.
📊 Key Features
- Amount: Up to 90% vehicle value
- Interest: 8.5% - 14% p.a.
- Tenure: 1-7 Years
- Processing: 2-5 days
✅ Eligibility
- • Age: 21-65 years
- • Income: Min ₹20,000/month
- • Credit Score: 700+
- • Down Payment: 10-20%
📄 Documents
- • PAN & Aadhaar
- • Income proof & bank statements
- • Vehicle invoice
Gold Loan
Instant cash against gold. 30-min approval, no credit score needed.
📊 Key Features
- Amount: Based on gold weight
- Interest: 7.5% - 16% p.a.
- Processing: 30 minutes
- No credit score required
✅ Eligibility
- • Age: 18+ years
- • Gold: 18-24 karat jewelry/coins
- • No income proof needed
📄 Documents
- • PAN & Aadhaar
- • Address proof
- • Gold items
Education Loan
Finance education in India/abroad. Covers tuition, hostel, books, travel.
📊 Key Features
- Amount: Up to ₹1.5 Crores
- Interest: 8.5% - 15% p.a.
- Tenure: 5-15 Years
- Tax benefits under 80E
✅ Eligibility
- • Admission in recognized institution
- • Co-borrower required
- • Credit Score: 650+
📄 Documents
- • Admission letter
- • Fee structure
- • Parent income proof
📈 Interest Rate Comparison
Current interest rates across different loan types
Personal
10.5%
Starting p.a.
Business
12%
Starting p.a.
Home
8.5%
Starting p.a.
Gold
7.5%
Starting p.a.
🔄 Simple 4-Step Process
Easy loan application with expert support
1
Contact
Free consultation & eligibility check
2
Documentation
Submit docs with our help
3
Processing
Regular updates & follow-up
4
Disbursal
Amount credited to account
❓ Loan FAQs
Common questions about loans
Ready to Apply?
Expert guidance | 99% Approval | 50+ Partners | 5+ Years Experience
📍 Old Bus Stand, Cignus Bihar Campus, Forbesganj - 854318 | ✉️ bngagan_2@rediffmail.com