Looking for a Business Loan from Jana Small Finance Bank?

We give you a summary of the information you may need to make a decision

Business Loans from Jana Small Finance Bank

Being one of the popular small finance banks in India, Jana Small Finance Bank offers a range of business loans to different segments of its customer base. We look at five business loan schemes that the bank’s corporate customers can use to raise funds to run the business smoothly.

The business loans offered by Jana Small Finance Bank are:

  • Business Loan for Individuals
  • Business Loan for Entity
  • Secured Business Loan
  • Secured Plus Business Loan
  • Group Loan for Women

We give you a brief introduction to the business loan below.

Jana Small Finance Bank Business Loan for Individuals

The bank offers term loan schemes to help individual business owners to raise funds to meet working capital or capital expenditure needs. This is an unsecured loan. The bank’s customers who have completed 18 months and successfully running the business for the last 2 years are eligible for this loan.

Features of Jana Small Finance Bank Business Loan for Individuals

Why this Loan?

  • The Jana Small Finance Bank Business Loan for Individuals is perfect for business owners who need funds to meet their working capital and capital expenditure needs
  • The maximum loan amount sanctioned under this loan is Rs. 1 lakh
  • The interest rate on the loan is 25%-26% per annum

Jana Small Finance Bank Business Loan for Entity

The bank offers term loan schemes to help corporate entities raise funds to meet working capital or capital expenditure needs. Existing bank customers and new customers who have been running the business for the last 3 years are eligible for this loan.


Features of Jana Small Finance Bank Business Loan for Entity

Why this Loan?

  • The Jana Small Finance Bank Business Loan for Entity is perfect for business owners who need funds to meet their working capital and capital expenditure needs
  • The maximum loan amount sanctioned under this loan is Rs. 3 lakh without collateral security and Rs. 10 lakh with collateral security
  • The interest rates are 26%-28 % pa for Unsecured Loans and 16%-21 % pa for Secured Loans

Jana Small Finance Bank Secured Business Loan

This is a term loan that is specially designed to help businesses expand their business or achieve other business goals. The maximum loan amount sanctioned under this loan is Rs. 10 lakh.

Features of Jana Small Finance Bank Secured Business Loan

Why this Loan?


  • The Jana Small Finance Bank Secured Business Loan is designed to help businesses raise funds for business expansion and to achieve other business goals
  • The minimum loan amount is Rs. 5 lakh
  • This loan must be repaid within 5 years

Jana Small Finance Bank Secured Plus Business Loan

This is a term loan which is specially designed to help businesses create long-term income-generating assets. The maximum loan amount sanctioned under this loan is Rs. 1 crore.

Features of Jana Small Finance Bank Secured Plus Business Loan

Why this Loan?

Jana Small Finance Bank Group Loan

This group loan is designed for groups of women who want to raise funds for income generation activities. The maximum loan amount is capped at Rs. 60,000. Females in the age group of 18 to 58 years are encouraged to form these groups and avail this loan for income-generation activities.

Features of Jana Small Finance Bank Group Loan

Why this Loan?

  • The loan is granted to groups of women who need funds to meet their financial needs for income generation activities
  • The tenure of the Jana Small Finance Bank Group Loan is up to 2 years
  • The interest rates on this loan lies in the range 22%-26% pa

Important Note: Even though the bank’s website has information available for five business loan schemes at this time, there is a possibility that the bank may offer more corporate loan options that are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate

  • As of October 2020, the interest rate for the Jana Small Finance Bank business loans are as below:
    • Business Loan for Individuals: 25%-26% pa
    • Business Loan for Entity: 26%-28 % pa (Unsecured Loans) and 16%-21 % pa (Secured Loans)
    • Secured Plus Business Loan: 13%-18% pa
    • Group Loans: 22%-26% pa
  • For the right interest rates, you may click here or check with the bank for more details

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card/ PAN Card Issue Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Reference Facts

  • Jana Small Finance Bank Website: www.janabank.com
  • Headquarters: Bengaluru, Karnataka
  • Customer Care Toll-Free Number: 1800 2080, 1800 4200