Jana Small Finance Bank Car Loan

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Jana Small Finance Bank Car Loan Key Features – Jan 2021

Jana Small Finance Bank Car Loan Interest Rate Starts @ 7.50%
Min Loan Amount ₹ 50,000
Max Loan Amount
(Loan to Value)

Loan up to 80% to 100% of On Road Price

Loan Tenure 1 year to 7 years
Lowest EMI / Lac ₹ 1,526
Minimum Net Monthly Income ₹ 20,000
Minimum ITR for Self Employed ₹ 300,000
Age Criteria Salaried: 21 years to 60 years
Self Employed: 21 years to 65 years
Types of Cars For All New Passenger Cars, Multi Utility Vehicles (MUVs) and Sport Utility Vehicle (SUVs).
Processing Fee Up to 2% of the loan amount
Foreclosure Charges NIL
Basic Documentation ID Proof, Address Proof, Salary Slip, Bank Statement and Car Quotation

About Jana Small Finance Bank Car Loan

Jana Small Finance Bank is a major bank modulate by the Reserve Bank of India. Jana Small Finance Bank has 407 branches all over India.

Jana Small Finance Bank provides Car Loan who wants to purchase a Car. It provides you with flexible repayment options. Also, provides low-interest rates for higher loan amount for Car Loan.

Jana Small Finance Bank offers Car Loans at reasonable interest rates to the customer for purchasing a car either new or second hand. A car loan is easily available who have a good credit/CIBIL score.

Jana Small Finance Bank Car Loan Eligibility

Salaried Individual
  • Age – 21-60 years of age
  • Net Monthly Income – should be a minimum of ₹ 20,000
  • Employment Duration – Minimum 1 year
  • Income Eligibility – Depends on Form 16 and Salary Slip
Self-Employed Individuals
  • Age – 21-65 years of age
  • Minimum ITR  – Rs. 4 lakh, Rs. 18 lakhs (for selected car models)
  • Employment Duration – Minimum 3 years
  • Income Eligibility – Depends on the latest Income Tax Returns
Self-Employed Non-Individuals (Company/Partnership)
  • Minimum ITR  – Rs. 4 lakh, Rs. 18 lakhs (for selected car models)
  • Employment Duration – Minimum 3 years
  • The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
Priority Customers
  • Applicant should have a vintage of at least 6 months
  • Average Quarterly Balance – Minimum Rs.1 lakh for last 2 quarters
  • Maximum Loan Amount – 3 X Average Quarterly Balance of Last 2 quarters

Jana Small Finance Bank Car Loan Interest Rate, Fees and Charges

Charges New Car Loan Used Car Loan
Interest Rate [email protected]% [email protected]%
Processing fee 2% of the loan amount 2% of the loan amount
Issuance of Duplicate Repayment Schedule Charges Rs.500 per instance Rs.500 per instance
Foreclosure Charges NIL NIL
Penal Interest 2% per month 2% per month
Part Payment charges 2% of the paid amount 2% of the paid amount
Cheque/Instrument Swap Charge NIL NIL
Documentation Charge Rs.1,500 per instance Rs.1,500 per instance
Issuance of Duplicate No Dues Certificate Charges NIL NIL
Registration Certification Collection Charge NIL NIL
Cheque Bounce/Instrument Return Charges Rs. 300 Rs. 300
Issuance of Duplicate Statement Charges Rs. 25 Rs. 25
Loan Cancellation/Re-booking Charges NIL NIL
Issuance of Credit Report Rs.50 per instance Rs.50 per instance

Jana Small Finance Bank Car Loan Documents Required

Salaried Individual

Category Documents Required
Identity Proof

 

(Any 1)

Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Address Proof

 

(Any 1)

Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Date of Birth Proof

 

(Any 1)

Birth Certificate
Passport
Driving Licence
PAN
Signature Proof

 

(Any 1)

Passport
Bankers Verification
PAN
Income Proof Latest Form 16 and Salary Slips
Bank Statement Bank statement of last 3 months
Employment Continuity Proof Work Experience Certificate
ITR of Form 16
Salary Slip with Joining Date
Appointment Letter
Letter of Relieving

Self-Employed Individuals

Category Documents Required
Identity Proof (Any 1) Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Address Proof (Any 1) Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Date of Birth Proof (Any 1) Birth Certificate
Passport
Driving Licence
PAN
Signature Proof (Any 1) Passport
Bankers Verification
PAN
Income Proof Latest Form 16 and Salary Slips
Bank Statement Bank statement of last 3 months
Employment Continuity Proof Shop & Establishment Act Certificate
Current Account Statement
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Business Proof Current Account Statement
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Registered Lease Document with other utility bills

Self-Employed Non-Individuals:

1. Partnership Firms/Societies

Category Documents Required
Identity Proof (Any 1) Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Address Proof (Any 1) Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Income Proof Audited Balance Sheet
P&L Account and ITR for the previous 2 years
Bank Statement Bank statement of last 3 months
Business Continuity Proof Shop & Establishment Act Certificate
Current Account Statement
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Additional documents Authority Letter/PAN cards

2. Private Limited/Limited Companies

Category Documents Required
Identity Proof Copy of Latest MOA
Copy of Incorporation
Copy of Latest AOA
Address Proof (Any 1)
Current Account Statement
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Registered Lease Document with other utility bills
Income Proof Audited Balance Sheet
P&L Account and ITR for the previous 2 years
Bank Statement Bank statement of last 3 months
Business Continuity Proof Shop & Establishment Act Certificate
Current Account Statement
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Additional documents
List of Directors and Shareholding Partners
PAN Card
Board Resolution
Certificate of Commencement of Business for Ltd. Co.

Jana Small Finance Bank Car Loan EMI Calculator

An applier has the option to check the EMI’s before availing a Car Loan. So, you can easily check through the link below:

Car Loan EMI Calculator

Jana Small Finance Bank Car Loan Types

Jana Small Finance Bank offers 3 types of car loans to its customers. You have the option of picking the offer which suits your need the best. Jana Small Finance Bank offers the following types of Car Loans:

  1. New Car Loan –  If you want to purchase a new car, this is the scheme for you. You can get a Car Loan from Jana Small Finance Bank for a minimum of Rs. 50,000 and a minimum tenure of 7 years.
  2. Used Car Loan – If you wish to buy a used car from Jana Small Finance Bank then you can choose offers a minimum loan of Rs. 50,000 and a minimum tenure of 5 years.
  3. Loan Against Car – You can choose this proposal if you need urgent funds from Jana Small Finance Bank where you can keep your cars as security with the bank.

Jana Small Finance Bank Car Loan Pre Calculated EMI

How to Apply for Jana Small Finance Bank Car Loan?        jana small finance bank car loan

  1. Visit Dialabank and fill a form online.
  2. Our Relationship Manager will call you and assist you throughout the processing of car loan.
  3. You can compare different offers from banks and opt according to your suitability.
  4. You can easily apply for a Car Loan through Dialabank and enjoy offers.

Jana Small Finance Bank Car Loan for Top Selling Cars

Other Available Products from Jana Small Finance Bank

Jana Small Finance Bank Personal Loan Jana Small Finance Bank Car Loan Jana Small Finance Bank Home Loan
Jana Small Finance Bank Credit Card Jana Small Finance Bank Two Wheeler Loan Jana Small Finance Bank Education Loan

FAQs for Jana Small Finance Bank Car Loan

✅ What is Jana Small Finance Bank Car Loan?

Jana Small Finance Bank Car Loan is a car loan offered to you to purchase a car either new or used.

✅ How can I get a Car Loan from Jana Small Finance Bank?

You can get a car loan from Jana Small Finance Bank by visiting the Jana Small Finance Bank’s nearest branch. You will get satisfaction to apply from anywhere.

✅How does Jana Small Finance Bank Car Loan work?

Jana Small Finance Bank works in providing funds at reasonable interest rates. You can get a car loan easily and quickly. Jana Small Finance Bank provides flexible loan tenure duration.

✅What is the Car Loan Interest Rate in Jana Small Finance Bank?

The interest rate in Jana Small Finance Bank for a car loan starts at 7.50%.

✅How to Check Car Loan status in Jana Small Finance Bank?

You must visit the Jana Small Finance Bank branch to check your car loan status. Also, you can use the net-banking facility of Jana Small Finance Bank.

✅How to Calculate Car Loan interest in Jana Small Finance Bank?

For the calculation of your car loan interest in Jana Small Finance Bank, the following information is required:

  • Loan tenure
  • Loan amount
  • Interest rate

You can calculate your car loan interest and EMI  of Jana Small Finance Bank through the EMI calculator.

✅What is the maximum loan amount I can avail on Car Loan from Jana Small Finance Bank?

The maximum loan amount you can avail for a car loan from Jana Small Finance Bank is up to 80% -100% On Road Price.

✅What is the loan tenure of Jana Small Finance Bank Car Loan?

The loan tenure period of Jana Small Finance Bank ranges between 1 to 7 years.

✅Can I get a 100% Car Loan from Jana Small Finance Bank?

Yes, you can get loan up to 100% car loan from Jana Small Finance Bank.

✅How much processing fee is applicable on Jana Small Finance Bank Car Loan?

A 2% processing fee is applicable to Jana Small Finance Bank for getting a car loan.

✅What are the EMI options available on Jana Small Finance Bank Car Loan?

The EMI option available on Jana Small Finance Bank car loan is Step-up EMI.

✅What are the charges for Prepayment in Jana Small Finance Bank Car Loan?

No prepayment charges in Jana Small Finance Bank for availing a car loan.

✅Can I get a top-up loan on my existing Jana Small Finance Bank Car Loan?

Yes, you can get a top-up loan on your existing Jana Small Finance Bank car loan. Also, get a top-up car loan by visiting the online platform of Dialabank.

✅Do I need to provide a guarantor to avail a car loan from Jana Small Finance Bank?

No, you do not need to provide a guarantor for getting a car loan from Jana Small Finance Bank. 

✅How to get a Jana Small Finance Bank Car Loan Statement?

For getting a car loan statement of Jana Small Finance Bank, you can utilize Jana Small Finance Bank’s mobile banking app. Also, visit the nearest branch of Jana Small Finance Bank.

✅How to pay Jana Small Finance Bank Car Loan interest online?

You can pay your car loan interest through the net-banking services of Jana Small Finance Bank. If you want a low-interest car loan, you must visit Dialabank online.

✅What if I can’t pay the interest on Jana Small Finance Bank Car Loan for 3 months?

If you can’t pay the interest on Jana Small Finance Bank Car Loan for 3 months, then it will put on to the outstanding loan amount and repayment charges will reframe.

✅How can I apply for EMI Moratorium on Jana Small Finance Bank Car Loan?

You can apply for EMI Moratorium on Jana Small Finance Bank by visiting the nearby branch of Jana Small Finance Bank or you can submit a request through an email. Also, if you want relief for the balance duration, you must apply through Dialabank.

✅What is the number for Jana Small Finance Bank Car Loan agent?

The number for Jana Small Finance Bank Car Loan agent is 9878981166.

✅Can I close the Jana Small Finance Bank car loan online?

You can close your car loan from Jana Small Finance Bank by using the net-banking page of Jana Small Finance Bank. You have to log in with your details on the net -banking page and pay your car loan.

✅What is Jana Small Finance Bank Car Loan Customer Care Number?

The customer care number of Jana Small Finance Bank for car loan queries is 9878981166.

✅How can I get NOC from Jana Small Finance Bank for a car loan?

You can get a car loan NOC from Jana Small Finance Bank after the payment of your car loan. Then, visit the bank branch to collect the NOC.

✅ What is the Jana Small Finance Bank Car Loan closure procedure?

  • Just go to the bank with the documents.
  • Write a letter for pre-closure of the Jana Small Finance Bank Car Loan account.
  • Pay the pre-closure charges as per Jana Small Finance Bank Car Loan.

✅ What is the Jana Small Finance Bank Car Loan preclosure charges?

Jana Small Finance Bank Car Loan preclosure charges zero preclosure charges.

✅ What is the Jana Small Finance Bank Car Loan maximum tenure?

The Jana Small Finance Bank Car Loan maximum tenure is 7 years.

✅ What is the Jana Small Finance Bank Car Loan minimum tenure?

The Jana Small Finance Bank Car Loan minimum tenure is 1 year.

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