Why Choose Jana Small Finance Bank for Home Loans?
Inclusive Approach: Jana Small Finance Bank believes everyone
should have a chance at owning a home, focusing on self-employed individuals, small business
owners, and those new to credit.
Good Rates: Competitive home loan rates for apartments help keep
monthly payments manageable, making homeownership more accessible.
Simple Documentation: Minimal paperwork and an easy approval
process, especially helpful for first-time borrowers.
Personalized Service: Individual attention ensures all questions
are answered and borrowers get the right loan solution.
Digital Work Experience: Seamless online application and loan
tracking in collaboration with TyTil , even for non-tech-savvy users.
Jana Small Finance Bank Home Loans Products
Jana Small Finance Bank has a bunch of home loan options to help you out:
Home Purchase Loan: Finance the purchase of a new or existing
house or apartment with a home purchase loan.
Home Construction Loan: Get a loan to build a home on your own
land.
Plot Purchase and Construction Loan: Finance both the purchase of
land and construction on it with a single loan.
Home Renovation Loan: Ideal for major repairs, home additions, or
remodeling projects.
Top-Up Loan: If you already have a loan, avail additional funds
for renovations, furniture, or other needs.
Jana Small Finance Bank Home Loan Interest Rates
Here’s a snapshot of Best Small Finance Bank for Home Loans interest rate structure
| Loan Product |
Interest Rate (p.a.) |
Processing Fee |
Maxium Tenure |
LTV Ratio |
| Home Purchase/Construction |
10.25% – 12.00% |
Up to 2% of loan amount + GST |
Up to 20 years |
Up to 90% |
| Renovation/Extension Loan |
10.75% – 12.50% |
1–2% + GST |
Up to 10 years |
Up to 70% |
| Plot+Construction Bundle |
10.50% – 12.25% |
As per the scheme/proposal |
Up to 15 years |
Up to 80% |
| Balance Transfer/Top-up |
10.00% – 11.75% |
Up to 1.5% + GST |
As per the original |
As per the original |
- Processing Fees: 1–2% of the sanctioned loan amount (capped for smaller
loans; GST extra). Check at the time of application for any seasonal offers.
- Prepayment/Foreclosure: Zero prepayment charges for individual borrowers
with floating-rate loans in most cases.
- Tenure: Up to 20 years for home loans; shorter tenures for renovation and
plot-only loans.
Jana Small Finance Bank Home Loan Eligibility Criteria
Age: 21–65 years at loan closure.
Employment: Suitable for salaried individuals or self-employed
borrowers, including small business owners.
Income: Must have sufficient regular income from salary,
business, or pension to service the loan.
Credit: Preferred, but not mandatory. New borrowers or those with
informal income can also be considered.
Property: Must have a clear title and be located in an approved
area.
Co-Borrower: Adding a spouse or close family member can improve
approval chances.
Required Documents for Jana Small Finance Bank Home Loans
To get things moving faster, make sure you have all your paperwork in order:
Application: Completed application form with passport-sized
photograph of the applicant.
KYC (Know Your Customer): Aadhaar, PAN Card, Passport, Voter ID,
or Driver's License.
Proof of Address: Utility bill, Aadhaar, rent agreement, or bank
statement.
Proof of Income (Salaried): Last 3–6 months of salary slips, Form
16, employer letter, and last 6 months of bank statements.
Proof of Income (Self-Employed): ITRs for the last 2–3 years,
business proof, balance sheet, and last 12 months of bank statements.
Property Info: Sale deed, title deed, property tax receipts,
approved plans, and chain of ownership documents.
Other Documents: Cheque for processing fee, co-applicant
documents, and property insurance (if required).
How to Apply Jana Small Finance Bank Home Loan via
TyTil
TyTil makes getting and keeping track of your Home Loan for Apartments
super easy:
- Sign Up: Create a profile on TyTil and select Jana
Small Finance Bank as your lender.
- Enter Information: Provide details about your employment, income, and the
property you wish to purchase.
- Upload Documents: Securely submit all requested paperwork for verification.
- Loan Matching: TyTil identifies the Jana Small Finance
Bank home loan that best suits your needs.
- Expert Assistance: TyTil team guides you through every
step of the application process.