Jana Small Finance Bank

Pick the right loan first

• You have run the business for at least 2 years and already bank with Jana: look at the Business Loan for Individuals.
• You run an operating business of at least 3 years and can offer collateral: look at the Business Loan for Entity, which covers term loans, overdraft and inventory finance.
• You have run the business from one premise for at least 3 years and own a residence, shop or factory: look at the Secured Plus Business Loan.

Check eligibility before you visit

• The individual loan asks for 12 months as a Jana customer and 2 years of running the business.
• The entity and secured loans ask for a business with at least 3 years of history.
• The secured loans need collateral. The individual loan does not.

Documents to bring

• Aadhaar and PAN for the promoters, directors or partners.
• For the individual loan: a secondary ID, and a residence proof such as a utility bill not more than 60 days old.
• For the secured loans: business address proof, business establishment proof, and the property papers.

How to start

• Visit the nearest Jana branch and ask for a Relationship Manager.
• Or call the customer care line and ask for a service appointment.
• Ask for the terms and conditions from the branch before you sign.

Jana Small Finance Bank Limited is a small finance bank. It was launched as an SFB in March 2018, and its site reports more than 820 outlets across 23 states and 2 union territories, as on 31st March, 2026. The site gives an address in Bengaluru and a toll-free customer care line.

This is a bank, not an incubator, accelerator or grant scheme. The business products on its site are loans. None of them is a grant, and the pages do not describe any equity route. The audience is founders and owners who run an operating business and need working capital or term finance.

Business loan products

The bank lists three loan products for business owners. Each page asks the applicant to visit a branch or to request a call back through a form.

The Business Loan for Individuals is for existing customers who have run their business for at least 2 years. The page describes it as a loan for ambitious business owners who want to expand. It needs no collateral, and repayments are collected through NACH.

The Business Loan for Entity covers term loans, an overdraft for daily business needs, and funds to buy inventory. It is open to existing and new customers whose business has at least 3 years of history. It is secured against collateral, and the tenure can run up to 15 years.

The Secured Plus Business Loan is a term loan for business owners who want to expand or build long-term assets. It is open to existing and new customers who have run the business from the same premise for at least 3 years and who own a residence, shop or factory. The loan is secured on land or a building, and its tenure is up to 12 years.

Who can apply

The stated eligibility rules out a business that is younger than the years each loan asks for. A young startup with no collateral and no trading history does not meet the criteria on any of the three pages. Founders at that stage should look at other routes.

How to apply

The pages send applicants to a branch. A Relationship Manager at the nearest branch guides the application. A customer care executive can also book a service appointment with a Relationship Manager. The toll-free customer care line is 1800 2080.

Scale

The site reports more than 820 outlets across 23 states and 2 union territories, as on 31st March, 2026. These are the bank's own figures, not an independent count.

Who runs it

Jana Small Finance Bank Limited publishes its board of directors, management team and investor relations pages on its own site. The site says it is registered with DICGC.

Locations

The address on the site is The Fairway Business Park, Koramangala Inner Ring Road, Bengaluru 560071. The site has a branch locator for the bank's outlets.