Jana Small Finance Bank Home Loan
Interest rates from 9.75% p.a. (up to 16.75%) · EMI from ₹42,958/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Jana Small Finance Bank home loans
Home loans up to ₹3 crore with tenures stretching to 30 years.
Jana SFB home loan EMI table (9.75% p.a.)
Monthly EMI at Jana SFB's minimum rate. Tap any amount for the full breakdown.
How much interest will a Jana SFB loan cost?
A ₹50 lakh Jana SFB home loan at 9.75% over 20 years means about ₹63.82 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare Jana SFB with other lenders →
Jana SFB home loan by city
Compare Jana SFB with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Jana SFB (this page) | 9.75% | ₹47,426 |
| Repco | 9.5% | ₹46,607 |
| Piramal | 9.5% | ₹46,607 |
| Utkarsh SFB | 9.5% | ₹46,607 |
| Shriram Housing | 9.5% | ₹46,607 |
| CSB | 9.69% | ₹47,229 |
| Cent Bank HF | 10% | ₹48,251 |
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Frequently Asked Questions
What is the Jana Small Finance Bank home loan interest rate in 2026?
Jana Small Finance Bank offers home loans starting at 9.75% p.a., going up to 16.75% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Jana SFB home loan?
At 9.75% p.a., a ₹50 lakh Jana SFB home loan has an EMI of about ₹47,426 for 20 years — roughly ₹42,958 for 30 years and ₹52,968 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Jana SFB home loan?
Jana Small Finance Bank's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Jana SFB home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Jana SFB home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Jana Small Finance Bank before applying. NestSaver is an information and planning service, not a lender.