🇮🇳 India

Jana Small Finance Bank Last updated2026-05-28

Jana Small Finance Bank EMI Calculator 2026 rates.

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Quick answer

Jana Small Finance Bank home loan rate starts at 9.5% (typical 10.25%) as of 2026. A ₹50 lakh loan at 10.25% over 20 years = an EMI of approximately ₹49,082/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Jana Small Finance Bank loan rates (May 2026)

🏠 Home Loan

9.5–12.5%

typical: 10.25% p.a.

💵 Personal Loan

12.5–23.5%

typical: 15% p.a.

🚗 Car Loan

9.85–13.85%

typical: 10.85% p.a.

💳 Processing Fee

1-2% of loan amount (min ₹5,000) for home loans.

🔁 Prepayment

Zero on floating-rate retail home loans post-12 EMIs.

About Jana Small Finance Bank

Why choose Jana Small Finance Bank?

Jana Small Finance Bank started as Janalakshmi Financial Services (a microfinance institution since 2008) and became an SFB in 2018. Headquartered in Bengaluru, Jana operates about 800 banking touchpoints concentrated in Karnataka, Tamil Nadu, Maharashtra, Andhra Pradesh, and Telangana. Total advances around ₹27,000 crore. Jana listed on BSE/NSE in February 2024.

🎯 Unique angle

Jana SFB has strong presence in South India tier-2/3 cities (Karnataka, Tamil Nadu, Andhra Pradesh, Telangana) with deep MFI heritage. For self-employed and gig-economy borrowers in South Indian tier-2/3 markets who have established Jana Group lending relationships, the bank offers integrated MFI-graduate-to-home-loan paths that are unique in the SFB segment.

Product highlights

✓ Jana Home Loan: 9.5-11.0% for salaried + self-employed
✓ Jana Affordable Housing Loan: PMAY-CLSS focused product
✓ Jana MFI-Graduate Home Loan: transition path for legacy MFI borrowers
✓ Jana Two-Wheeler Loan: rural and semi-urban focus
✓ Jana Pre-Approved Personal Loan for existing customers

❓ Jana Small Finance Bank FAQ

Common questions.

Jana SFB MFI-graduate home loan — what is it?

Jana SFB has the distinctive program of "graduating" successful microfinance customers to formal banking products. Customers with established Janalakshmi MFI repayment history (typically 3-5 years of clean group-loan track records) get streamlined access to formal home loans with simpler documentation and slightly preferential rates. This is a unique program among SFBs and reflects Jana's strong MFI heritage — the natural pipeline from microfinance to retail banking that the SFB framework was designed to enable.

Jana SFB IPO 2024 — what's the outlook?

Jana SFB listed on BSE/NSE in February 2024 at ₹414/share, raising ₹570 crore. The bank has been profitable consistently since FY2023 after years of MFI-stress-driven losses. Capital adequacy is around 19%, gross NPA around 7% (highest among major SFBs, reflecting unsecured MFI legacy exposure). The 2024-2025 MFI sector stress affected Jana more than commercial-bank-style peers like AU. Post-listing performance has been mixed; investor focus is on book diversification trajectory and NPA normalization.

Jana SFB for South India MFI customer upgrade?

Yes — if you have established Janalakshmi or Jana MFI customer history (3+ years of clean repayment), Jana SFB's MFI-graduate-to-home-loan program is one of the smoothest paths from informal-credit to formal home ownership in India. Particularly relevant in Karnataka, Tamil Nadu, and Andhra Pradesh tier-2/3 markets where Jana's MFI legacy is deepest. For fresh applicants without Jana MFI history: Equitas, Ujjivan, or AU SFB may be more rate-competitive.

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