Sarah-Jane Dias was born to a Roman Catholic family in Muscat. She is from a Mangalorean konkani speaking family. Her father, Eustace Dias, is a marketing manager with Oilfields Supply Centre and her mother is named Yolanda. She also has a sister named Elena Rose Dias.
Dias attended Indian School Al Wadi Al Kabir until Grade 11, when she transferred to Indian School Muscat. She then attended university at Mumbai's St. Andrews College. Prior to winning Miss India World title in 2007, she had won the Miss India Oman title.