Jana Small Finance Bank Personal Loan EMI Calculator
Calculate your Jana Small Finance Bank personal loan EMI with our free calculator. Get instant results with interest rates, tenure, and total payment details.
Enter your personal loan amount
Current Jana Small Finance Bank personal loan rate
1 to 360 months
Your Loan EMI Details
Monthly EMI
₹0
Amortization Schedule
About Jana Small Finance Bank Personal Loan EMI Calculator
Use our Jana Small Finance Bank Personal Loan EMI Calculator to calculate your monthly EMI, total interest payable, and total payment amount. This calculator helps you plan your personal loan repayment before applying with the bank.
Current Jana Personal Loan Interest Rates 2026
| Loan Amount | Interest Rate | Max Tenure |
|---|---|---|
| Up to ₹2 Lakh | 14.00% - 18.00% | 36 months |
| ₹2 Lakh - ₹5 Lakh | 13.50% - 17.00% | 48 months |
| ₹5 Lakh - ₹10 Lakh | 13.00% - 16.00% | 60 months |
| Above ₹10 Lakh | 12.50% - 15.00% | 60 months |
How is EMI Calculated?
EMI (Equated Monthly Installment) is calculated using the following formula:
EMI = [P × R × (1+R)N] / [(1+R)N - 1]
- P = Loan amount (principal)
- R = Monthly interest rate (annual rate / 12 / 100)
- N = Loan tenure in months
Features of Jana Small Finance Bank Personal Loan
- Loan amounts from ₹25,000 to ₹25 Lakh
- Flexible tenure from 12 to 60 months
- Quick disbursement within 48 hours
- Minimal documentation required
- No collateral or security needed
- Competitive interest rates for salaried employees
Frequently Asked Questions
What is the processing fee for Jana SFB personal loan?
Jana Small Finance Bank charges a processing fee of 1% to 3% of the loan amount, subject to a minimum of ₹1,000. The exact fee depends on your loan amount and credit profile.
Can I prepay my personal loan?
Yes, Jana SFB allows prepayment of personal loans. Part-prepayment can be done after 6 months of loan disbursal. Foreclosure charges of 2-5% of outstanding principal may apply depending on the loan terms.
What documents are required for Jana SFB personal loan?
You'll need identity proof (Aadhaar/PAN), address proof, income proof (salary slips for last 3 months), bank statements for last 6 months, and passport-size photographs.