Jana Small Finance Bank Home Loan
Jana Small Finance Bank provides competitive home loan solutions with interest rates starting at 9.75% p.a. and a maximum tenure of up to 30 years. Customers can access loans up to ₹3 crores, suitable for various property needs like purchasing a new home, construction, renovations, and extensions. Jana Small Finance Bank offers flexible financing options, making it an ideal choice for those aiming to achieve their homeownership goals with ease and affordability.
Rate of Interest
9.75% - 11.00%
Loan to Value
80% - 90%
Loan Tenure
Max 30 years
Max Loan Amount
Upto 3 Cr
| Rate of Interest | 9.75% - 11.00% |
| Loan Tenure | Max 30 years |
| Age | Salaried/ Self Employed : 25 - 75 years |
| Profession | Salaried/Self Employed |
| Income | Metro Cities : 20,000/Month & Above Other Cities : 15,000/Month & Above |
| Nationality | Resident Indian/ NRI |
| Max Loan Amount | Upto 3 Cr |
| Plot Purchase | |
| Independent Building | |
| Apartment | |
| Resale Property | |
| New Construction | |
| LTV | 80% - 90% |
| Home Loan | |
| Plot Cum Construction Loan | |
| Balance Transfer | |
| Overdraft Facility | |
| Top Up Facility | |
| Other Offerings | Home Improvement Loan, Commercial Purchase, Loan Against Property |
| Processing Fees | 0.5%-2% of the loan amount + GST applicable |
| Other Charges | Foreclosure /Pre-Payment Charge : Nil for Floating ROI customer |
| Overdraft Facilities | - |
| Highlights | • Lower EMI Options • Transparent Terms and Conditions • Dedicated Customer Support • Fast Approval and Disbursement • Flexible Policies |
*Disclaimer: The interest rate, maximum tenure, and other charges are subject to change, it's advisable to check with our experts for the latest information.
| Loan Amount | ₹ 50,00,000 |
| Loan Tenure | 20 years |
| Rate of Interest | 9.75% - 11.00% |
| Monthly EMI | ₹ 47,425 - ₹ 51,609 |
Eligibility Criteria for Jana Small Finance Bank Home Loan
| Criteria | Salaried | Non- Salaried |
|---|---|---|
| Age Range | 25 to 75 years | 25 to 75 years |
| Nationality | Indian NRIs | Indian NRIs |
| Minumim Income | 10,000 per month | 3 lakhs per annum |
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Jana Small Finance Bank Home Loan Interest Rates
Standard Home Loan Rates
| Salaried ROI | Self Employed ROI |
|---|---|
| 9.75% p.a onwards | 9.75% p.a onwards |
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Jana Small Finance Bank Home Loan Processing Fee and Charges
Processing Charges
| Charge Type | Amount |
|---|---|
| Processing Fees | 0.5%-2% |
| Foreclosure /Pre-Payment Charge | – Nil for Floating ROI customer – For Home Loan during fixed period 2% of POS |
Jana Small Finance Bank Home Loan Documents
Identity Documents
| Doc Name | Salaried | Self Employed |
|---|---|---|
| PAN | ✔ | ✔ |
| Voter ID | ✔ | ✔ |
| Passport | ✔ | ✔ |
| Driving Licence | ✔ | ✔ |
| Aadhar Card | ✔ | ✔ |
Proof Of Income
| Doc Name | Salaried | Self Employed |
|---|---|---|
| Salary slips for the last 3 months | ✔ | ✖ |
| Form-16 (if available) | ✔ | ✖ |
| Bank statements for the last 6 months | ✔ | ✔ |
| Income documents: Business continuity documents/ SSI Certificate | ✖ | ✔ |
| ITR pertaining to the business activity for 2 yrs | ✖ | ✔ |
| Self-attestation mandatory | ✖ | ✔ |
Jana Small Finance Bank Home Loan Schemes and Top Plans
Comparison
| Feature | Home Loan | Home Improvement Loan | Loan Against Property |
|---|---|---|---|
| Minimum Loan Amount | – | 30,000 | – |
| Maximum Loan Amount | 3 Crores | 1.25 lakhs | – |
| Interest Rate | 9.75% p.a. onwards | 24.00% p.a. onwards | 11.50%p.a. to 23% p.a. |
| Tenure | up to 30 years | – | – |
| Eligible Applicants | salaried or self-employed | -Existing customers of Jana Small Finance Bank who have completed 12 months -House owner | salaried or self-employed |
Details
Standard Home Loan
- Maximum Loan Amount: up to ₹3 Crores
- Interest Rate: 9.75% onwards
- Tenure: Up to 30 years
- Eligible Applicants: Both salaried and self-employed
Home Improvement Loan
- Minimum Loan Amount: ₹30,000*
- Maximum Loan Amount: up to ₹1.5 lakhs
- Interest Rate: 24.00% p.a. onwards
- Eligible Applicants: Existing customers of Jana Small Finance Bank who have completed 12 months, House owner
Loan Against Property
- Interest Rate: 11.50% p.a. to 23% p.a.
- Eligible Applicants: Both salaried and self-employed
How to Apply
Applying for Jana Small Finance Bank Home Loan is a straightforward process:
1. Check Eligibility:
Verify that you meet the eligibility criteria for your selected loan product.
2. Collect Documents:
Gather all the required documents.
3. Visit a Local Branch:
Visit your nearest Jana Small Finance Bank branch and fill out the application form.
4. Submit Documents:
Submit your application along with the required documents.
5. Application Review:
The bank will review your application and documents.
6. Loan Approval:
Upon approval, your loan will be sanctioned, and you can start your homeownership journey.
Do not want to get into this hassle? Get Jana Small Finance Bank’s best rates in a single call.
Customer Care Details: Jana Small Finance Bank
Jana Small Finance Bank offers comprehensive customer care services to address the queries and concerns of its customers efficiently.
| Contact | Contact Details |
|---|---|
| Jana Small Finance Bank Head Office | Jana Small Finance Bank Limited The Fairway Business Park, First Floor, Survey No.10/1, 11/2 & 12/2B, Off Domlur, Koramangala Inner Ring Road, Next to EGL Business Park Challaghatta, Bengaluru – 560071 |
| Toll Free Number (24 *7) | 1800 2080 |
| Email ID | customercare@janabank.com |
Comparison
For detailed comparison between top banks you can visit our compare banks page.
| Bank | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
|---|---|---|---|
| SBI Bank | 8.50% p.a. onwards | 8.5% p.a. onwards | 8.50% p.a. onwards |
| HDFC Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| LIC Bank | 8.50% – 10.35% p.a. | 8.50% – 10.55% p.a. | 8.50% – 10.75% p.a. |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Punjab National Bank | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. |
| Bank Of Baroda | 8.40% – 10.65% p.a. | 8.40% – 10.65% p.a. | 8.40% – 10.90% p.a. |
| Bajaj Housing Finance | 8.50% p.a. onwards | 8.50% p.a. onwards | 8.50% p.a. onwards |
| Axis Bank | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. |
| Bank of India | 8.40% p.a onwards | 8.40% p.a onwards | 8.40% p.a onwards |
| TATA Capital | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
Yes, it’s completely safe. It’s a scheduled commercial bank licensed by the RBI.
Jana Small Finance Bank Limited began operating as a small finance bank on March 28, 2018. It received a license from the Reserve Bank of India under Section 22(1) of the Banking Regulation Act, 1949.
Ajay Kanwal is the MD & CEO of Jana Small Finance Bank, bringing 32 years of experience in consumer and commercial banking across Asia.
The headquarters of Jana Small Finance Bank is located in Bangalore, Karnataka, India.