Jana Bank Home Loan
Jana Bank Home Loan
Jana Bank Home Loan
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Jana Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Jana Bank Home Loan Key Highlights
Loan Amount Up to Rs. 50 lakh
Rate of Interest 9.75% per annum
Processing Fee Up to 2% of the loan amount
Maximum Tenure for Repayment 30 years
Rate Packages Fixed/ Floater
Charges for Prepayment/Foreclosure Floater: Nil | Fixed: 2% of the outstanding loan amount
Jana Bank Home Loan Interest Rates in 2026
Jana Small Finance Bank offers easy housing loans at an attractive interest rate. The lowest Jana Bank home loan interest rate is 9.75% per annum, and the maximum Jana Bank home loan interest rate in 2026 is 9.75% per annum.
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Jana Regular Housing Loan | 9.75% - 16.75% p.a. |
| Jana Home Improvement Loan | 9.75% - 16.75% p.a. |
Jana Bank Home Loan Eligibility Criteria
Banks and NBFCs do not grant home loans without checking the eligibility of the applicant. Jana Small Finance Bank has also set certain common factors as eligibility criteria: nationality, age, employment status, minimum income, and CIBIL score. Without fulfilling this eligibility criterion, an applicant will find getting a home loan sanction from Jana Bank difficult.
For Salaried Individuals
Age Range (in years)
25 - 75
Nationality
Indian Residents/ PIOs/ NRIs
Minimum Income Earned
Rs. 10,000 per month
For Self-Employed Individuals
Age Range (in years)
25 - 75
Nationality
Indian Residents/ PIOs/ NRIs
Minimum Income Earned
Rs. 10,000 per month
Jana Bank Home Loan Processing Fee and Charges
Every financial organization that grants services like home loans incur some cost to process such applications; therefore, they generally charge a processing fee. Jana Small Finance Bank charges up to 2% of the loan amount as the processing fee on home loan applications from all applicants.
| Loan Orientation Fee | Loans up to Rs. 10 lakh: Rs. 1,000 + GST Loans up to Rs. 20 lakh: Rs. 1,500 + GST Loans above Rs. 20 lakh: Rs. 2,000 + GST |
| Part Payment Charges | Loan Amount over 25%: 2% on the excess amount +GST Part-payment of up to 25% of the outstanding loan amount in 1 year with 12 EMIs: Nil |
| Cheque Bounce Charges | Rs. 300 + GST |
| Legal Charges | Rs. 2,500 + GST |
| Foreclosure Charges | Floater: Nil Fixed: 2% of the outstanding loan amount |
Jana Bank Home Loan Schemes and Top Plans
Jana Small Finance Bank offers quick home loan schemes to eligible applicants. Whether you are a salaried, a self-employed Indian resident, an NRI, or a PIO, Jana Bank is ready to offer the best home loans if you meet the eligibility criteria set by them. Listed below are two popular housing loan schemes offered by Jana Bank:
- Ideal for purchase of a new or resale home
- The maximum loan repayment period is up to 30 years
- The maximum loan amount is up to Rs. 50 lakh
- Best housing loan scheme for improving or extending an already existing residential property
- The maximum period to repay the loan amount is up to 30 years
- The maximum loan amount is up to Rs. 50 lakh
* Note: All of the above home loan plans are made available to applicants solely at the discretion of Jana Bank, taking into consideration the earning and repayment capacity of the applicant.
Documents Required for Jana Bank Home Loan
To offer financial services like home loans, banks and NBFCs ask for certain documents to verify the credibility of the applicant based on their age, identity, income, and address. The Jana Bank home loan documents required list is displayed below for your reference, so make sure you arrange for the same before applying for a Jana Bank home loan.
| Proof of Income |
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| Other Required Documents |
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| Proof of Income |
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| Other Required Documents |
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| Identity & Address Proof |
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| Documents Related to Property |
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Apply Home Loan Through BASIC Home Loan
Apply for a Home Loan Through the BASIC Home Loan website
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