Information only
Jana Small Finance Bank is a small finance bank, a category of bank licensed by the Reserve Bank of India (RBI). RBI lists its address in Bengaluru, Karnataka. On its website the bank lists group loans for women, business loans for individuals and entities, agriculture loans, gold loans, vehicle loans and home loans. It began operating as a small finance bank in 2018. This page is an information summary, not an offer, and it does not compare the bank with other lenders.
Loans it offers
Retail and MSME loans Jana Small Finance Bank lists
| Loan | What to know |
|---|---|
| Home loans | The bank lists a Home Loan and a separate Home Improvement Loan. Security and eligibility sit on each product page. |
| Business and MSME loans | The Business Loan for Individuals is for existing account holders who have run a business for a minimum period. The bank states that no collateral is required, and repayments are collected through NACH. A separate Business Loan for Entity serves business entities. |
| Car loans | The bank lists a Used Car Loan on its loans page. |
| Two-wheeler loans | A Two Wheeler Loan is listed on the bank's loans page; the vehicle is usually the security. |
| Gold loans | A gold loan with the gold held by the bank. RBI sets loan-to-value limits for gold loans. |
Read how these loans work on LOANZ 360: home loans, business loans, car loans, two-wheeler loans, gold loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Small finance bank |
| Registered office (RBI listing) | Bengaluru, Karnataka |
| Began operating as a small finance bank | 2018 |
| Promoters | Jana Capital Limited and Jana Holdings Limited, according to the bank's investor page |
| Other loans on the bank's site | A group loan for women, and agriculture group and individual loans |
As of 8 November 2026, RBI lists Jana Small Finance Bank as a small finance bank.
Before you apply
- A small finance bank is an RBI-licensed bank that must meet priority-sector lending requirements and serves segments that larger banks may reach less.
- The individual business loan is for existing customers, so check the account-age and business-age rules before you apply.
- A group loan for women depends on the whole group's repayment record, so agree with group members how repayments will be handled.
- Request the Key Fact Statement and compare offers on the APR.
- Lender-set charges such as processing and penal fees apply; read them first.
Compare this bank's current rates with other lenders on the interest rates page. Checking your own credit score does not lower it. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score.
Look at interest rates for current comparisons and lenders for other banks. The site draws the label on this page, lending partner or information only, from live data. If the bank appears as information only, apply on its own website.
Jana Small Finance Bank’s own website
Last updated 12 Nov 2026