Dear Customers,

Thank you for your trust and your bank continues to grow steadily and safely.

The COVID crisis has brought about an unexpected and stressful time for all of us both personally as well for our businesses, families and employers. It is important that we navigate this crisis together safely and sensibly.

In support of all our customers and in line with Reserve Bank of India (RBI) guidelines in response to COVID-19 related crisis, we would like to announce the following relief package to our customers across our entire product offering: Group Loans, Individual Loans, Agricultural Loans (both Individual & group), Business Loans, Affordable Housing Loans & MSME Loans.

Key Points:

1. To make it easy we are providing a moratorium on your Equated Monthly Instalment (EMI) due in March 2020, April 2020 & May 2020 till 31st May 2020. In case you have already paid the March month EMI, the moratorium will be for two months. Your loan tenor will be extended by the number of months you will avail the moratorium.

2. If you are financially comfortable, we would recommend that you do not avail this moratorium and continue to pay your EMI/s. This will mean a lower cost of interest on your loan as well as an early closure of your loan.

3. To help you do this i.e. not avail the moratorium, you may ‘Opt out’ of this moratorium by using one of the mentioned options:

  • Respond to our SMS with your ‘Opt out’ option from your registered mobile number, or
  • Call our contact centre, or
  • Approach your branch, or
  • Send us an e-mail mentioning your loan account number and ‘Opt out’ option from your registered e-mail address

4. In addition to standard loan instalment repayment methods, now you can pay your loan instalment from the comfort of your home using our newly launched UPI QR code method. To understand how to generate your loan UPI QR code and make payment, please visit

5. In case you decide to avail the moratorium, then interest will continue to accrue on the availed deferred instalments, at the contracted rate for the respective loan/s. The said interest will be collected as per applicable interest rate from you along with the last instalment of the loan. Please note that your credit score will not be impacted on account of your availing this deferment or moratorium.

6. Please note that in case you have overdues on your loan account up to 29th February, 2020:

  • Moratorium will be provided only for instalments of loan which are due between 1st March 2020 and 31st May, 2020,
  • There is no moratorium on your overdues prior to 1st March, 2020.
  • You may repay these overdue amounts to reduce the interest burden
  • These overdue amounts will continue to attract all charges including penal interest, as applicable
  • The Bank retains the right to commence / continue any recovery proceedings (including appropriate legal action) until such overdues are cleared.
  • For all customers, whose accounts were standard, including SMA, as on February 29, 2020 and who have been provided with moratorium for the instalments falling due between March 1, 2020 and May 31, 2020, moratorium period will be excluded from computation of number of days past due for the purpose of asset classification.
  • Similarly, for working capital CC/OD accounts where deferment of interest has been granted, Such deferment period, wherever granted in respect of all facilities classified as standard, including SMA, as on February 29, 2020, shall be excluded for the determination of out of order status.
  • The moratorium/deferment granted to borrowers will not be categorised as default on the part of borrowers for the purposes of supervisory reporting and reporting to credit information companies (CICs).
  • The relief given as above as per the special dispensation given by RBI will not result in any downgrade of asset classification till 31st May 2020.

Kindly pay these overdues immediately using our standard instalment repayment methods including newly introduced loan account UPI QR code based payment method.

7.For all Overdraft working capital accounts, your monthly payable interest will be deferred for the mentioned 3-month period ending 31st May, 2020. The accumulated interest for this deferment period needs to be serviced by you immediately after the moratorium period, in the month of June 2020.

8.We shall also be reaching out to you on your registered mobile number / e-mail address to reiterate this information, provide you information to “opt out’ of this moratorium.

We thank you for your continued patronage and would be happy to support your service requests during this phase as well.

Stay Safe, Stay Healthy

Warm regards,

Team Jana Small Finance Bank

UPI QR code based EMI payment tutorial videos: Language option and links

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