“A Study on Msme Financing by Jana Small Finance Bank in Karnataka”

This study examines the role and effectiveness of Jana Small Finance Bank (Jana SFB) in providing financial support to Micro, Small, and Medium Enterprises (MSMEs) in India. MSMEs are crucial for economic growth and job creation, but they face restricted financial availability from formal channels. The study addresses the persistent gap between the financial needs of MSMEs and the accessibility and effectiveness of services provided by Jana SFB. Employing a descriptive research design with a sample of 50 respondents, the study analyzed the bank's lending practices.
Key findings indicate that Jana SFB primarily serves micro-enterprises, with nearly 78% of respondents availing loans below ₹5 lakhs. A significant majority (68%) opted for collateral-free loans, highlighting the bank's critical role in removing barriers to credit access for small entrepreneurs. Furthermore, the study established Jana SFB as a fast and efficient loan provider, with 82% of loans processed within 15 days. The research concludes that Jana SFB is an effective and reliable source of credit for small and emerging businesses due to its simplified documentation and rapid loan processing.

MSMEs, economic growth, job creation, Jana SFB

1. Chakrabarty, A. (2021). Digital lending and transformation in small finance banks. Journal of Banking Innovation, 12(3), 45–57. [Google Scholar] [Crossref]

2. CRIF High Mark. (2025). MSME Credit Insight Report. [Google Scholar] [Crossref]

3. Economic Survey of India. (2024–25). Ministry of Finance. [Google Scholar] [Crossref]

4. IFC & NABARD. (2020). MSME Financing and Development Report. [Google Scholar] [Crossref]

5. Jana Small Finance Bank Annual Reports (2023–24). [Google Scholar] [Crossref]

6. Kumar, V., & Mishra, M. (2019). Innovations in MSME lending. International Journal of Commerce and Management Studies, 7(2), 112–124. [Google Scholar] [Crossref]

7. Ministry of MSME. (2023). Annual Report. Government of India. [Google Scholar] [Crossref]

8. Patel, R., & Shah, N. (2021). MSME financing and challenges in SFBs. Indian Journal of Financial Systems, 9(1), 88–97. [Google Scholar] [Crossref]

9. Reserve Bank of India. (2019). Report on Trends and Progress of Banking in India. [Google Scholar] [Crossref]

• Financial Technology (Fintech): Current Research at The Cutting Edge
• Reforming Corporate Governance in Malaysia to Address Fraudulent Financial Reporting Cases
• Stock Market Efficiency and Economic Diversification in Nigeria and South Africa
• Financial Stability and Financial Performance of Small and Medium Tiered Deposit Taking Savings and Credit Cooperatives in Kenya.
• Regulator Sandboxes for DeFi: A Comparative Analysis of Policy Effectiveness in the EU, US, and Asia Pacific