Jana Small Finance Bank online EMI payments
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Jana Small Finance Bank Loan EMI Payment
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About Jana Small Finance Bank
Jana Small Finance Bank Limited is a scheduled small finance bank headquartered in Bengaluru, formed when Janalakshmi Financial Services. Once India's largest NBFC-MFI, founded on 24 July 2006. Was granted a Small Finance Bank licence by the Reserve Bank of India on 28 April 2017 under Section 22(1) of the Banking Regulation Act, 1949. Jana Small Finance Bank commenced banking operations on 28 March 2018 and received scheduled commercial bank status from RBI in July 2019. Unlike an NBFC, Jana Small Finance Bank offers the full range of bank deposits. Savings, current, FD, RD. Alongside its retail, MSME, microfinance and agriculture loans, across roughly 500 branches in 19 states.
Microfinance (Joint Liability Group) loan: continuing the Janalakshmi heritage product
MSME / business loan: secured and unsecured
Affordable home loan
Two-wheeler loan
Gold loan
Loan against property (LAP)
Loan against fixed deposit
Personal loan (for select existing customers)
Agriculture and farm equipment loan
KCC (Kisan Credit Card)
These are the loan products Jana Small Finance Bank offers across India.
How to Pay Jana Small Finance Bank EMI Online
You can pay your Jana Small Finance Bank EMI through several channels:
**Jana Bank Mobile Banking app** (Android + iOS). Pay loan EMI, view statements, transfer funds, open FD/RD
Jana Bank net banking: through jana.bank.in customer login
Standing instruction / Auto-debit: set up from your Jana Small Finance Bank savings or current account so the EMI is deducted automatically on the due date
NACH auto-debit: for customers paying Jana Small Finance Bank EMI from a non-Jana bank account
UPI / BBPS: pay your Jana Small Finance Bank EMI via Google Pay, PhonePe, Paytm by searching "Jana Small Finance Bank" under the Loan EMI biller category
NEFT / RTGS / IMPS: to the loan-specific account number provided in your sanction letter
At any Jana Small Finance Bank branch: cash or cheque deposit
**Track Jana Small Finance Bank EMI on Oolka:** if you have loans across multiple lenders, you can manage all your EMIs in one view on Oolka and get an alert when your credit score qualifies you for a lower-rate refinance offer.
Use the official channels above, or pay on Oolka to get cashback, EMI reminders, and a free credit score check.
Jana Small Finance Bank Customer Care
Contact Jana Small Finance Bank directly for EMI, account, or grievance queries:
Banking customer care (24x7): 1800 2080
MFI / microfinance customer care: 1800 4200 (7am to 10pm)
Grievance redressal: Grievance Redressal Mechanism page on jana.bank.in lists the Principal Nodal Officer and Regional Nodal Officer details
Email: customercare@jana.bank.in
Registered office: Jana Small Finance Bank Limited, The Fairway Business Park, First Floor, Survey No. 10/1, 11/2 & 12/2B, Off Domlur, Koramangala Inner Ring Road, Next to EGL Business Park, Challaghatta, Bengaluru, 560071
Banking alternate: 08068131056
MFI alternate: 08068131055
DICGC insurance: Jana Small Finance Bank deposits are insured by DICGC (https://www.dicgc.org.in)
For account-specific queries, log in to https://www.jana.bank.in.. https://www.jana.bank.in. Existing customers click "Login" at the top to access net banking, view loan EMI schedules, pay EMI, download statements, manage FDs, and access the Mobile Banking App download. Microfinance customers can also reach the relevant portal through the same login flow with their customer ID.
Jana Small Finance Bank Prepayment and Foreclosure
Because Jana Small Finance Bank is a scheduled commercial bank (not an NBFC), its prepayment terms follow RBI's banking norms. For floating-rate home loans and LAP advanced to individual borrowers for non-business purposes, RBI prohibits foreclosure or prepayment charges. For two-wheeler, gold, personal, business, and other fixed-rate loans, Jana Small Finance Bank's published "Schedule of Charges" applies, including any minimum-lock-in and percentage-based foreclosure fee plus GST. Microfinance JLG loans broadly do not carry prepayment charges per RBI's MFI framework. Check the exact charge in your sanction letter and on the Schedule of Charges document on jana.bank.in. Before you foreclose, run the numbers on Oolka. It shows exactly how closing this Jana Small Finance Bank loan will move your credit score, since sometimes keeping the account open longer is better for your credit mix.
Why Pay Jana Small Finance Bank EMI on Oolka
Three things you get on Oolka that you do not get paying directly:
EMI reminders three days before the due date, so you never miss an EMI by accident.
Free credit score check, so you know how your EMI history is affecting your credit.
Cashback offers on select payments.
Most importantly, Oolka shows you exactly how an on-time Jana Small Finance Bank EMI moves your credit score, and what to do if you have already missed one.
Frequently Asked Questions about Jana Small Finance Bank
Other Lenders You Can Pay on Oolka
Oolka supports EMI payments for loans from these lenders too:
Belstar Microfinance
Bajaj Finserv
Hero Fin Corp
Bajaj Auto Finance
L&T Finance
Aditya Birla Capital
IDFC FIRST Bank
One app, one login, all your loan EMIs in one view.
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