Jana Small Finance Bank Personal Loan EMI Calculator 2026
Verified Jana SFB personal loan rates from 21.99% – 28.75% p.a. — calculate your EMI, fees & repayment schedule instantly.
Four Lakhs rupees
Banks check that your total loan EMIs do not exceed 40%–50% of your net income.
Fifty Thousand rupees
Monthly Loan EMI
₹11.04 K
@ 21.99% p.a. for 60 months (5 yrs)
Planning to close your loan early?
Calculate bank foreclosure fees, lock-in period & interest saved
Income Affordability & FOIR Meter
Based on ₹50,000/mo net income
High sanction probability! Your EMI is well below the 40% income cap, making you a strong candidate for approval at Jana SFB.
Loan Cost Composition
Jana SFB Foreclosure Charge Calculator
See exactly what closing this loan early would cost you — and whether the interest you save makes it worth it.
Closing now leaves you ₹1,79,537 better off
₹1,79,537 interest avoided − ₹0 fee = ₹1,79,537 net benefit.
| Close after | Outstanding | Fee | Net benefit |
|---|---|---|---|
| 6 mos | ₹3,76,662 | Nil | ₹2,19,784 |
| 12 mos | ₹3,50,637 | Nil | ₹1,79,537 |
| 24 mos | ₹2,89,255 | Nil | ₹1,08,375 |
| 36 mos | ₹2,12,929 | Nil | ₹52,158 |
| 48 mos | ₹1,18,018 | Nil | ₹14,525 |
Official Jana SFB Foreclosure & Prepayment Terms
Published schedule of charges • Verified banking disclosure
“Nil (mapped from Jana's 'Individual Loan' - IL - category; Jana has no separately-branded Personal Loan product)”
Compare Jana SFB with Other Personal Loan Providers (2026)
Live calculated EMIs and processing fees for ₹4,00,000 loan over 60 months across top Indian banks and NBFCs.
| Lender | Interest Rate (p.a.) | Est. Monthly EMI | Calculated Processing Fee | Total Payable (incl. fees & interest) |
|---|---|---|---|---|
| 8.75% - 21.55% | ₹8,255 | Up to ₹9,440 | ₹5,04,740 | |
| 8.75% - 15.00% | ₹8,255 | ₹4,720 | ₹5,00,020 | |
| 8.90% - 12.65% | ₹8,284 | ₹4,000 | ₹5,01,040 | |
| 9.00% - 20.00% | ₹8,303 | Up to ₹14,160 | ₹5,12,340 | |
| 9.75% - 30.00% | ₹8,450 | Up to ₹23,600 | ₹5,30,600 | |
| 9.75% - 15.00% | ₹8,450 | ₹4,720 | ₹5,11,720 | |
| 9.75% - 13.90% | ₹8,450 | ₹4,720 | ₹5,11,720 | |
| 9.99% - 24.00% | ₹8,497 | Up to ₹7,670 | ₹5,17,490 | |
| 9.99% - 16.50% | ₹8,497 | Up to ₹9,440 | ₹5,19,260 | |
| 9.99% - 27.75% | ₹8,497 | Up to ₹16,520 | ₹5,26,340 | |
| from 9.99% | ₹8,497 | ₹14,000 | ₹5,23,820 | |
| from 9.99% | ₹8,497 | Up to ₹4,000 | ₹5,13,820 | |
| 10.00% - 15.00% | ₹8,499 | ₹7,080 | ₹5,17,020 | |
| 10.00% - 30.50% | ₹8,499 | Up to ₹16,520 | ₹5,26,460 | |
| 10.03% - 12.28% | ₹8,505 | Up to ₹9,440 | ₹5,19,740 | |
| 10.15% - 17.50% | ₹8,528 | ₹9,440 | ₹5,21,120 |
Live figures calculated for ₹4,00,000 over 60 months. Rates and fee formulas sourced directly from each lender's official website (last verified 11 Sept 2026) and auto-refreshed. GST at 18% is added where charged by the lender.
Jana SFB Personal Loan Calculation Walkthrough
Illustrative EMI breakdown for ₹4,00,000 @ 21.99% p.a. over 60 months (5 yrs)
Itemized Cost & Disbursal Breakdown:
Jana SFB Personal Loan Eligibility Criteria
Key qualification parameters for salaried & self-employed applicants
Applicant must meet minimum age at time of application.
Higher income thresholds may apply for non-metro cities or non-salaried borrowers.
Credit score determines your tier in Jana SFB's 21.99% – 28.75% range.
At least 6 months with the current employer/organization.
Total existing EMIs plus new EMI should not exceed 50% of net take-home salary.
Documents Required for Jana SFB Personal Loan
Standard documentation for paperless & fast loan sanction
Proof of Identity (Any one)
PAN Card (Mandatory), Aadhaar Card, Passport, Voter ID, or Driving License.
Proof of Residence (Any one)
Aadhaar Card, Utility Bills (Electricity, Gas, Water bill < 3 months old), Rental Agreement, or Passport.
Income Proof (Salaried)
Salary slips of the last 3 months, Form 16 / ITR for the latest financial year, and Company ID card.
Bank Account Statement
Last 3 to 6 months bank account statement showing regular monthly salary credits.
How to Secure the Lowest Jana SFB Personal Loan Interest Rate
1. Maintain 750+ CIBIL Score
Banks reserve their lowest tier rates (21.99% p.a.) for borrowers with excellent credit histories and zero delayed payments.
2. Leverage Salary Account
If your corporate salary account is with Jana SFB, you may qualify for pre-approved personal loans with waived processing fees and discounted rates.
3. Keep FOIR Below 40%
Pay off small credit card balances or existing personal loans prior to applying to lower your Debt-to-Income ratio and boost your sanction limit.
Jana Small Finance Bank Personal Loan FAQs
Frequently asked questions about Jana SFB personal loan rates, EMI calculation, eligibility, and charges in 2026.