Jana Small Finance Bank Personal Loan

For Instant Approval ↓Apply Here↓

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Why us?

Rates as low as 10.50%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

About Jana Small Finance Bank Personal Loan

Jana Small Finance Bank Personal Loan

You don’t have to worry about your financial emergency. There  is a solution for you called as Personal Loans. By availing the Personal Loan you can easily solve your Financila Crises. Worries are not the solution of every problem you can apply for the Personal Loan and enjoy the healthy life.

What do you mean by Personal Loan?

Personal  Loan is a loan which we get from the banks to fulfill our financial needs and desires. We don’t have to keep any collateral to the bank in exchange of the loan amount. As it is an unsecured loan , lenders are not able to auction our assests.

Not only financial needs but Personal Loan helps us to fulfill our dreams like dream of a big fat wedding. We can apply for the Personal Loan to satisfy our luxuries and dreams.

Personal Loan further helps you to renovate your house or paying the medical bills. You are free to use the amount as per your desires as you are not answerable to the bank for the spending of money.

Click here for more information.

About  Jana Small Finance Bank

Jana Small Finance Bank previously known as Janalakshmi Financial Servises . Its headquarters are in Bengaluru. The bank starts working in 2008 and was lincensed by the Reserve Bank of India 2015.

It received there final licence in April 2017.The Jana Small Finance Bank progresses immediately that results that they have 500 branches in the 19 states of India.

Benefits from taking the Jana Small Finance Bank Personal Loan

  1. Easy documentation: The Jana Small Finance Bank provides you with the easy documentation process. You don’t have to worry about the documents as they provide you all the necessary details.
  2. Hassle free process: Jana Small Finance Bank Personal Loan is an online process which means we can submit our documentation easily without stepping out of our place.It has become more natural and appropriate with the online portals.
  3. Quick Disbursal: With the help of Jana Small Finance Bank Persoanal Loan you can get your loan amount in your respective bank account if the documentation and eligibility process are accurate. It only takes 48 hours to credit the loan amount in your bank accounts.
  4. Flexible time for the repay: The Jana Small Finance Bank Personal Loan provides you with the facility to repay your loan in a flexible time period i.e. 12 months(1 year) to  60 months (5 months).
  5. If you are eligible for the Jana Small Finance Bank Personal Loan, the bank will provide you the loan amount within 24 hours.

Interest rate of the Jana Small Finance Bank Personal Loan

  1. The Jana Small Finance Bank provides you with the best and low interest rates in the market.
  2. It usually starts at 10.75% per year.
  3. The loan amount usually depends on the income of the applicant.
  4. The Jana Small Finance Bank Personal Loan usually provides you the tenure of 1 year to 5 year to repay the loan amount.

Eligibilty Criteria for the Jana Small Finance Bank Personal Loan

If you want to take the loan, every Bank follows some eligibility criteria. Based on eligibility criteria bank provides loans to the applicant.

Salaried Applicants:

  1. The minimum age required for the Jana Small Finance Bank Personal Loan for Salaried Applicants is minimum 21 years, and the maximum can be of 60 years.
  2. For the Metropolitan applicants, the minimum income required is Rs 18,000 per month.
  3. If the applicant is living in a non-metropolitan city, the minimum salary required is 12,000 per month.
  4. It is required that the applicant should have the work experience of at least three years in the same company.
  5. It is mandatory that the salary should come in their specific account only.
  6. Good credit history is must. The credit score should be more than 700.
  7. It is must to provide the bank statements of the last three months.
  8. The salary slip of the last six months is also required.

Self Employed Applicants:

  1. The minimum age required for Jana Small Finance Bank Personal Loan Self Employed Applicants is a minimum 25 years to maximum 65 years.
  2. ITR process is  must. The applicant should file the ITR from the previous three years.
  3. The IRT, which is filed by the applicant, should be of at least Rs 2.5 lakhs per annum.
  4. The credit score of the applicants should be good. Your previous debts should be clear.
  5. The business of the applicant should be running good from at least  last three years.

Documents Required for the Jana Small Finance Bank Personal Loan

  1. Identity proof: It contains an Aadhar card, Passport, Voter card, Driving licence. You can use any one of them as your Identity Proof.
  2. Residence proof: It contains an Aadhar card, Passport, Voter card, Driving licence, Ration card. Anyone of these you can apply as the Residence Proof.
  3. If the applicant is living in a rented house, in that case, you have to submit the rental agreement, electricity bill and the water bill which has to be in the name of the applicant.
  4. The address of the house Owner is also required.
  5. Two coloured photographs of the applicant are also required.
  6. PAN card of the applicant is must, which is considered to be the important document under the formality of KYC.

Avail your Personal Loan needs with Dialabank

Why apply only in Dialabank for Personal Loan?

  1. Dialabank is the first online financial service which has an experience of many years.
  2. With the experience, we provide you with the best offers in the market.
  3. We did not charge any extra fees from you.
  4. We provide you with the instant loan facility if your documentation and eligibility are correct.
  5. We provide you with a quick customer query. After you filled the form, you will get the call from our Relationship Manager within 24 hours. You can call us for the consultations on 9878981166.

How to apply on Dialabank for Jana Small Finance Bank Personal Loan?

  1. You have to visit our website www.dialabank.com
  2. After that, fill the online application form.
  3. Don’t forget to mention your working contact number. It is mandatory.
  4. Lastly, submit all your documents.

What if you don’t return your Personal Loan?

If you will be unable to pay the personal loan your credit history get spoiled, your CIBIL score gets affected negatively, and you will not be able to get any loan in future. It is not so that you can’t rebuild your credit.

FAQ’s About Jana Small Finance Bank Personal Loan

What is Jana Small Finance Bank Personal Loan?

A Personal Loan is a loaning scheme that can be availed to meet your urgent financial needs without the need to submit security with the bank. You can easily apply for a Jana Small Finance Bank Personal Loan to finance your expenses.

What is Personal Loan rate of interest in Jana Small Finance Bank?

The lowest rate of interest for Personal Loan from Jana Small Finance Bank is 10.75% per annum. The interest rate offered to you may vary according to your credit score and monthly income.

How can I get Jana Small Finance Bank Personal Loan?

Get quick disbursing Personal Loans from Jana Small Finance Bank by visiting the nearest branch with your documents. After verification and approval of your loan application, you will get the loan amount in your bank account and can use it for all your financial needs.

How to apply for Personal Loan in Jana Small Finance Bank?

You can apply for Personal Loan from Jana Small Finance Bank by visiting the branch with all the requisite documents and submitting a duly signed application form to the banker. You get the loan amount in your account once your eligibility has been verified and your loan has been approved.

Why apply for Jana Small Finance Bank Personal Loan?

Personal Loans from Jana Small Finance Bank can be used to fulfill a wide array of your financial needs. These loans come with high funding. long tenure, low-interest rates, and easy repayment facilities. You are not required to submit any form of security with the bank in exchange for these loans.

How much EMI on Jana Small Finance Bank Personal Loan?

Personal Loan EMI for Jana Small Finance Bank can be calculated using an online EMI calculator using just the three parameters, loan amount, loan tenure, and rate of interest.

How much CIBIL score required for Jana Small Finance Bank Personal Loan?

A CIBIL score over 700 is required for Jana Small Finance Bank Personal Loans. Your CIBIL score helps the bank to estimate your creditworthiness and repayment abilities.

Minimum credit score needed for Jana Small Finance Bank Personal Loan?

You will need to maintain a credit score of at least 700 to avail of a Jana Small Finance Bank Personal Loan.

How to calculate Jana Small Finance Bank Personal Loan EMI?

Your Personal Loan EMI can be calculated using an online EMI Calculator. Visit Dialabank to compare offers from different banking and non-banking financial companies and apply for the ones that best suit your needs.

What can I use Jana Small Finance Bank Personal Loan for?

Jana Small Finance Bank Personal Loan can be used for a wide array of personal financial needs. You can meet all your day to day expenses and even the big ones that burden you financially. You can finance your vacations, family events, weddings, etc. You can also use your Loan to renovate your home.

Can I prepay Jana Small Finance Bank Personal Loan?

Yes, you can prepay your Loan with Jana Small Finance Bank by visiting the branch where your loan was sanctioned and asking the banker for the same. You will have to pay the entire outstanding loan amount with a foreclosure charge as applicable.

How to prepay Jana Small Finance Bank Personal Loan?

Prepay your Jana Small Finance Bank Personal Loan by contacting your loan branch in person. Depending on the case, you might be required to pay a small foreclosure fee along with your outstanding loan amount to close your Loan.

How to repay Jana Small Finance Bank Personal Loan?

Your Jana Small Finance Bank Personal Loan can be repaid in several ways, the most common being automatic deduction of EMIs from your bank account. You can also contact your loan branch for further information on your repayment options.

What documents are needed for Jana Small Finance Bank Personal Loan?

You need your address and identity proof(Aadhar Card/Voter ID), PAN Card, Income proof(Salary Slips and Bank statement), and two recent passport-sized photographs for your Jana Small Finance Bank Personal Loan.

How to check Jana Small Finance Bank Personal Loan status?

You can check your Loan status by contacting your Jana Small Finance Bank branch in person or through customer care number.

Table of Contents

Share This

Menu