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X Disclaimer Now you are entering into the external website link outside the Jana Small Finance Bank website. The purpose behind providing the link is only for the convenience of the customers. Jana Small Finance Bank do not stand to gain from it monetarily, directly or indirectly, in the way of fees or commissions or otherwise, when our customers view the offers made by the merchant or when our customers make any purchases. Customer shall visit the external website with their own risk and Jana Small Finance Bank shall not have any liability for the same.

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We are delighted that you are interested in Gold Loan from Jana Small Finance Bank.

Our Customer Care Representative will get in touch with you shortly to guide you through the process.

Have a great day ahead!

Do feel free to reach us at 1800 2080

With Best Regards,

Team Jana

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Salary account is designed for people from the salaried class. These accounts are for employees of corporate institutions. This product has a wide range of benefits and services, as well as seamless access to secure Net Banking and Mobile Banking services. Salary account provides you access to your account anytime, anywhere through robust banking services and transactional benefits.

Key Benefits

FEATURES BENEFITS
Average Monthly Balance
  • Nil
Rate of Interest
RuPay Debit Card
  • Rupay Platinum Debit Card with high ATM Withdrawal and POS Limit
Cash Withdrawal Limit at Branches
  • Unlimited cash withdrawal with no cap on amount and number of transactions
Mobile Banking App
  • Mobile Banking App to transact comfortably

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can have a Salary Account
  • Individual customers can open Salary Accounts introduced by their employer

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you on the application process.
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

Click here for the detailed list of documents to open an Account.



We are delighted to find out that you are interested in Jana Small Finance Bank.

Our Customer Care Representative will get in touch with you shortly to guide you through the process.

Have a great day ahead!

Do feel free to reach us at 1800 2080

With Best Regards,

Team Jana

Thank you for your interest. Simply leave your details below to get a call back from our customer care.

We are delighted to find out that you are interested in Jana Small Finance Bank.

Our Customer Care Representative will get in touch with you shortly to guide you through the process.

Have a great day ahead!

Do feel free to reach us at 1800 2080

With Best Regards,

Team Jana

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Jana Small Finance Bank offers home loans which are designed to fulfil all your housing finance/mortgage requirements. You can avail Home Loans for Resale purchase/ flat or apartment purchase/ residential plot purchase plus construction/self-construction and even for re-financing existing loans you may have availed from other banks or housing finance companies. Apart from this you can also avail Loan against property(LAP) and loans for purchase of commercial property/shops.

Key Benefits

FEATURES BENEFITS
Loan Amount & Tenure
  • Avail maximum Loan up to 3 crores for a tenure of up to 30 years
Multiple variants

You can avail home loan for a variety of purposes based on your requirement such as:

  • Purchase a house / flat
  • Purchase a plot for construction of a house
  • Balance Transfer & Top-Up
  • Loan Against Property
  • Commercial Purchase
  • Home Improvement
Attractive Interest Rate

We offer the following interest rates:

  • Housing Loan - 9.75%-16.75% p.a.
  • Non Housing Loan - 11.50%-23% p.a.
    • interest rates.
Savings Account
  • We offer Zero balance Jana Bank Savings Account along with Debit Card at 5% interest with ease of repayment and savings with attractive rate of interest.
Convenient Banking Services
  • Minimal Documentation and Doorstep Service leads to swift processing of your loan documents.
  • Safe custody of property documents
  • Thorough due diligence on the title of the property
  • Balance transfer of existing loan with additional top up
Insurance Facility
  • Avail Credit Life Insurance for applicant and co-applicant
Subsidy
  • Avail subsidy up to ₹ 2.67 lakhs under Pradhan Mantri Awaas Yojana

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can avail Home Loan.
  • Any self-employed professional, self-employed non-professional & salaried professional can avail Home Loan from us.
  • Professionals with cash income can also apply.
  • Minimum household income of Rs.10,000 per month
  • Minimum 25 years of age and up to 75 years during loan maturity

How to Apply

  • Share your details with us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents*

Click here for the detailed list of documents for Home Loans.

Service Charges & Fees



Deceased Customer Document Retrieval Process for loans

Note: Our Home Loan services are currently available in Madhya Pradesh, Chhattisgarh, Rajasthan, Maharashtra, Tamil Nadu, Karnataka, Bihar, Jharkhand, Delhi NCR, West Bengal, Punjab, Haryana and Gujarat. Please feel free to get in touch with your nearest branch for any further details.


Invest fixed sum of amount on monthly basis in Recurring Deposit and get attractive interest rates.

Recurring Deposit allows customers with an opportunity to build up their wealth securely through regular monthly deposit of fixed sum over a period of time.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates

Please click here for the interest rates.

Flexible Tenor Options
  • Minimum Tenor
  • Maximum Tenor
  • 6 Months
  • 10 Years
Minimum Amount As low as ₹ 100
Deposit Multiples As low as ₹ 100
Ease of Booking Open RD on click of a button using internet or mobile banking.

Terms and Conditions:

1. The interest is computed based on the actual number of days in a year i.e. 365 days for a non- leap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days.

2. In case of premature withdrawal of the recurring deposit, penalty of 1% will be applied on the applicable rate of interest for the duration which the deposit is maintained with us.

3. For delayed and/or missed monthly payment:

    a. A Penalty of ₹ 1.5 per ₹ 100 on the instalment amount will be levied

    b. This penalty will be levied on actual basis i.e. on the number of days of delay

    c. Grace period of 5 days will be provided to the customer to make the instalment payment to avoid the penal charges

4. Bank reserves the right to close the recurring deposit in case the customer misses 5 consecutive recurring deposit instalments.

5. The minimum tenor of Recurring Deposit should be 6 months.

6. The minimum instalment amount should be ₹ 100.

7. The instalment amount should be in multiples of ₹ 100.

How to Apply

  • Existing customers can open Recurring Deposit through Jana Mobile Banking Application and Jana Internet Banking.
  • Visit the nearest Jana Bank branch and open Recurring Deposit
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

Click here for the list of KYC documents required to open an Account.

Frequently Asked Questions    |   Terms & Conditions



Invest fixed sum of amount on monthly basis in Recurring Deposit and get attractive interest rates.

Recurring Deposit allows customers with an opportunity to build up their wealth securely through regular monthly deposit of fixed sum over a period of time.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates

Please click here for the interest rates.

Flexible Tenor Options
  • Minimum Tenor
  • Maximum Tenor
  • 6 Months
  • 10 Years
Minimum Amount As low as ₹ 100
Deposit Multiples As low as ₹ 100
Ease of Booking Open RD on click of a button using internet or mobile banking.

Terms and Conditions:

1. The interest is computed based on the actual number of days in a year i.e. 365 days for a non- leap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days.

2. In case of premature withdrawal of the recurring deposit, penalty of 1% will be applied on the applicable rate of interest for the duration which the deposit is maintained with us.

3. For delayed and/or missed monthly payment:

    a. A Penalty of ₹ 1.5 per ₹ 100 on the instalment amount will be levied

    b. This penalty will be levied on actual basis i.e. on the number of days of delay

    c. Grace period of 5 days will be provided to the customer to make the instalment payment to avoid the penal charges

4. Bank reserves the right to close the recurring deposit in case the customer misses 5 consecutive recurring deposit instalments.

5. The minimum tenor of Recurring Deposit should be 6 months.

6. The minimum instalment amount should be ₹ 100.

7. The instalment amount should be in multiples of ₹ 100.

How to Apply

  • Existing customers can open Recurring Deposit through Jana Mobile Banking Application and Jana Internet Banking.
  • Visit the nearest Jana Bank branch and open Recurring Deposit
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

Click here for the list of KYC documents required to open an Account.

Frequently Asked Questions    |   Terms & Conditions



Jana Small Finance Bank offers to its corporate clients the Corporate Internet Banking facility. Corporate Internet Banking facility provides for easy monitoring of corporate accounts and their fund utilisation through restricted/ preferred access rights to corporate users for account level services and fund transfer.

Safe and Secure: Wherever you log in, you can rest assured in knowing you’re your Corporate Internet Banking facility is protected with robust security features of Jana Small Finance Bank.

Convenience: Jana Small Finance Bank has designed Corporate Internet Banking with your convenience in mind. Jana Small Finance Bank Corporate Internet Banking Portal brings together the best of technology, along with an easy navigation experience, a warm welcoming design, and greater simplicity for corporate clients.

Corporate Internet Banking provides you with a number of features.

Key Features

FEATURES BENEFITS
Control on corporate accounts
  • Give specific access rights to different users basis roles within the organization
  • Restricted/preferred access of all the functionalities against an account
Ease of Banking
  • Corporate users can use the portal for their banking needs without visiting a branch
User Management
  • Corporates can deactivate or activate users through their nearby Jana Bank branches
  • Corporates can provide access rights for all users as per their requirements
Accounts
  • Corporates can operate on accounts on-boarded for CIB (accounts can be enabled individually in CIB)
  • Corporates can view their account statements
  • Corporates can view their deposit accounts
  • Corporates can give preferred access to users for every account separately
Authorization Matrix
  • Corporates can set the hierarchy for different levels of authorization
  • Corporates can set multiple users and rules for each level of authorization
Maker Checker Concept
  • Corporates can define a maker and a checker for each type of transaction which can be done through CIB
Service Request
  • Corporates can request for services like cheque book request, stop cheque request, cheque status request.
  • Corporates can open new term deposits
  • Corporates can monitor the status of their service requests in real time
Bulk File Processing
  • Corporates can do single debit and multiple credit transactions.
  • Salary upload and multiple vendor payments can be done through single file upload.
Fund Transfer
  • Corporates can do IMPS, NEFT and RTGS
  • Corporates can set Standing Instructions on their accounts, and can also schedule future date transactions.
  • Corporates can add multiple payee accounts under each payee name
  • Corporates can view Payment Reports

How to avail Corporate Internet Banking facility?

Please visit Jana Small Finance Bank branch and fill up a Corporate Internet Banking form available at the branch. Corporate Internet Baking facility will be activated subject to eligibility, submission of required documents and acceptance of terms to conditions.

Documents

Click on the links to download the following documents:

Frequently Asked Questions   |   Terms & Conditions



We are delighted to find out that you are interested in Jana Small Finance Bank Recurring Deposit. The interest rate offered by our Recurring Deposit is among the best in the industry.

Our Customer Care Representative will get in touch with you shortly to guide you through the process.

Have a great day ahead!

Do feel free to reach us at 1800 2080

With Best Regards,

Team Jana

We are delighted to find out that you are interested in Jana Small Finance Bank Current Account. The interest rate offered by our Current Account is among the best in the industry.

Our Customer Care Representative will get in touch with you shortly to guide you through the process.

Have a great day ahead!

Do feel free to reach us at 1800 2080

With Best Regards,

Team Jana

We are delighted to know that you are interested in Jana Small Finance Bank’s Freedom from COVID Campaign.

Our Customer Care Representative will get in touch with you shortly to guide you through the process.

Have a great day ahead!

Do feel free to reach us at 1800 2080


With Best Regards,
Team Jana

Jana Small Finance Bank brings you an array of Current Accounts to meet your business needs. Thoughtful features such as Cash Management Service and Doorstep Banking provides you the convenience to bank from your workplace and focus on your business.

Freedom Account

Unleash Your Business Potential with Freedom Account

The Freedom Account is tailor-made to empower you with a comprehensive suite of services that will genuinely liberate your business.

  • No Minimum Balance requirement
  • Free* cash deposit limit of ₹4 Lakhs per month
  • Unlimited Cash Withdrawals at zero charges

SMART Money Business Account

Simple digital solution for all your business problems!

SMART Money Business Account

  • Virtual Accounts
  • Payment Gateway
  • High Cash Deposit limit per month
  • Option to ‘earn interest’ on account balance

MONEY Back Business Account

The Smarter Way to Bank!

MONEY Back Business Account

  • Digital Collection option through QR Code
  • Sponsor Bank Program
  • Option to ‘earn interest’ on account balance
  • NACH/E-NACH option for recurring payments

Advantage Business Account

Manage your business like a Pro!

Advantage Business Account lets you manage your business in a seamless manner, Jana Bank provides you business solution to cater to your business needs:

  • Business Debit Card
  • Automated Recon & Statements
  • Option to ‘earn interest’ on account balance
  • NACH/E-NACH option for recurring payments

TASC Business Account

Business Banking Made Simple!

TASC current account provides business solution for TASC and government segment. All solutions are customized as per customer requirement:

  • Virtual Accounts
  • Payment Gateway
  • Sponsor Bank Program
  • Digital Collection option through QR Code

Regular Business Account

Manage your Business like a Pro!

This account is designed to help manage the daily transactions of businesses at all stages of growth.

  • Unlimited cash withdrawal with no cap on amount and number of transactions
  • Auto sweep in & sweep out facility

Jana Small Finance Bank brings you an array of Current Accounts to meet your business needs. Thoughtful features such as Cash Management Service and Doorstep Banking provides you the convenience to bank from your workplace and focus on your business.

Freedom Account

Unleash Your Business Potential with Freedom Account

The Freedom Account is tailor-made to empower you with a comprehensive suite of services that will genuinely liberate your business.

  • No Minimum Balance requirement
  • Free* cash deposit limit of ₹4 Lakhs per month
  • Unlimited Cash Withdrawals at zero charges

SMART Money Business Account

Simple digital solution for all your business problems!

Jana Bank provides smart banking solutions designed and customised for your business needs.

  • Virtual Accounts
  • Payment Gateway
  • High Cash Deposit limit per month
  • Option to ‘earn interest’ on account balance

MONEY Back Business Account

The Smarter Way to Bank!

Exclusive business solutions (or facilities?) like Relationship Manager, Direct Connect to Contact Center & intuitive Corporate Internet Banking.

  • Digital Collection option through QR Code
  • Sponsor Bank Program
  • Option to ‘earn interest’ on account balance
  • NACH/E-NACH option for recurring payments

Video KYC - Current Account Individual

Open a Current Account from the comfort of your home.

Video KYC - Current Account Individual

  • Individual current account in few minutes
  • Enjoy anywhere anytime banking
  • Saves time
  • Convenient

Advantage Business Account

Manage your business like a Pro!

Advantage Business Account lets you manage your business in a seamless manner, Jana Bank provides you business solution to cater to your business needs:

  • Business Debit Card
  • Automated Recon & Statements
  • Option to ‘earn interest’ on account balance
  • NACH/E-NACH option for recurring payments

Regular Business Account

Manage your Business like a Pro!

This account is designed to help manage the daily transactions of businesses at all stages of growth.

  • Unlimited cash withdrawal with no cap on amount and number of transactions
  • Auto sweep in & sweep out facility

Premium current account is specially designed for growing businesses providing a range of customized services along with high returns on your idle funds. With our innovative sweep facility available for current accounts, customers can earn high interest on their balance.

The accounts gives you the preferential treatment and superior benefits, like higher transaction limits adding value to your business and provide maximum returns on your hard-earned money.


FEATURES BENEFITS
Average Quarterly Balance
  • ₹ 30,000/-
Sweep Facility
  • Earn higher rate of interest on your idle funds in Current Account with Jana Small Finance Bank
  • Threshold amount - ₹ 50,000/-
  • Amount multiple for sweep - ₹ 5,000/-
Cash Deposit Limit at Branches
  • No charge upto ₹ 10,00,000 per month
Cash Withdrawal Limit at Branches
  • Unlimited cash withdrawal with no cap on amount and number of transactions
Debit Card (For Individuals and Proprietorships only)
  • Rupay Platinum Debit Card loaded with features

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can open a Premium Current Account

Following are the types of customers who can open premium current accounts:

  • Sole Proprietorship
  • Partnership Firms
  • Registered Companies
  • Trusts
  • Registered Societies and Associations

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you on the application process.
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

Click here for the detailed list of documents to open an Account.

Service Charges & Fees   |    Terms & Conditions



Advantage Business Account is specially designed for growing businesses providing a range of customized services along with high returns on your idle funds.

The account gives you preferential treatment and superior benefits, like digital collection, automated Recon and NACH/E-NACH options.


Product features and benefits:

FEATURES BENEFITS
Average Quarterly Balance
  • ₹ 25,000/-
Sweep Facility
  • Earn higher rate of interest on your idle funds in Current Account with Jana Small Finance Bank
  • Threshold amount - ₹ 5,00,000/-
  • Amount multiple for sweep - ₹ 5,000/-
Digital Business Solution
  • Business Debit Card
  • Automated Recon and Statements
  • NACH/E-NACH option for recurring payments
Cash Deposit Limit at Branches
  • No charge upto ₹ 5,00,000 per month

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have an Advantage Business Account

As per KYC policy of the bank.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you on the application process.
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

Click here for the detailed list of documents to open an Account.



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Let your savings grow with our Fixed Deposit account. We understand that investment needs vary and that is precisely why we bring you a wide variety of tenures that range from 7 days to 10 years. In lieu of no premature withdrawal of the deposit, the customers can enjoy additional rate of interest* in comparison to Regular Fixed Deposits.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates
  • Earn higher interest Rate over and above the Regular Fixed Deposit Rate

    • Please click here for the interest rates.

Premature Withdrawal
  • Not Applicable
Flexible Tenure
  • The tenure period of fixed deposits range between 7 days to 10 years
Minimum Amount
  • INR 15,00,001

Terms and Conditions:

1. The above rate is applicable for domestic Fixed deposits of above Rs. 1 Crore (Rupees one crore) accepted from Individual and HUF customers and for above INR 15 Lakhs( Rupees Fifteen lacs) accepted from other customers (other than Individual and HUF).

2. The interest is computed based on the actual number of days in a year i.e. 365 days for a non- leap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days.

3. For the “FD with no Premature withdrawal / FD Plus“ product

    a. Auto Renewal facility is not available

    b. Pre-mature withdrawal of the deposit is not allowed before the expiry of the term, except in case of death of the account holder or on order from statutory and/or regulatory authority.

4. For all Non-Cumulative Fixed Deposits, interest is calculated on Simple interest basis. Interest payouts are as per financial year: Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half yearly payouts will be on 1st October & 1st April and Annual interest payouts will be on 1st April irrespective of the date of booking.

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can open a Fixed Deposit account.
  • Following are the types of customers who can open fixed deposit accounts: Individuals, Minors, Proprietorship, HUF (Hindu Undivided Family), Registered and Unregistered Bodies, Cooperative Societies, Trusts, Partnerships, NGO and, Private Limited Organisations.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank. Give our Relationship Manager an opportunity to help you with the application process.
  • You can also contact us online and our Customer Care Executive will schedule a service appointment at a time that is convenient to you, so that our Relationship Manager can help you with the application process

Required Documents

Click here for the list of KYC documents required to open an account.

Frequently Asked Questions    |   Terms & Conditions



Thank You

We are delighted to know that you are interested in Jana Small Finance Bank’s Fixed Deposit. The interest rates on our Fixed Deposits is amongst the best in the industry.

Our Customer Care Representative will get in touch with you shortly to guide you through the process.

Have a great day ahead!

Do feel free to reach us at 1800 2080


With Best Regards,
Team Jana

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Jana Bankable Debit Card is an exclusive card with great offers and your favorite cricketer’s image on it. This card comes with welcome benefits of more that INR. 15,000 on top brands. It is a card designed for every cricket fan, which will get you amazing offers and take you closer to cricket.


FEATURES BENEFITS
Welcome Benefits
  • Get Gift Vouchers from participating merchant partners.
  • Welcome benefits worth INR. 15,000*.
Complimentary Lounge Program
  • Make your travel experience hassle-free with access to 30+ domestic lounges two times per calendar quarter per card.
Cash Back on Utility Bill Payments
  • Earn 5% cashback on your utility bill payments capped at INR 50 per month per card.
Comprehensive Accidental Insurance Cover upto INR 2 lakhs
  • Keep yourself and your family safe with personal accident insurance and permanent total disability cover of upto INR 2 lakhs.
Exclusive Merchant Offers
  • Celebrate round the year with exclusive merchant offers available on your RuPay Platinum Debit Card for all Point of sale and online shopping transactions.
24/7 Concierge Services
  • Avail a host of referral services from travel assistance to hotel reservations to consultancy services, 24/7.

*Welcome benefits

Apparel

  • Get Rs.1,000 off on minimum purchase of Rs 2999 on select styles at Myntra website and mobile app with your Jana Bankable Debit card.
  • Get Rs.100 off on a minimum spend of Rs.500 at Snapdeal website and mobile app with your Jana Bankable Debit card.
  • Get Flat 25% off at shopcrocs.in with your Jana Banakable Debit card.
  • Get 15% off on sign up at Adidas website with your Jana Bankable Debit card.

Fitness

  • Get Annual membership worth Rs.17,700 at Rs.12,000 at Snap Fitness with your Jana Bankable Debit card.

Music

  • Get Gaana+ subscription at Rs.299 worth Rs.999 on Gaana.com website and mobile app with your Jana Bankable Debit card.

Travel

  • Get Rs.600 off on Domestic Flight Booking at Ixigo with your Jana Bankable Debit card.
  • Get Rs.2400 off on International Flight Booking at Ixigo with your Jana Bankable Debit card.

Card Limits

Card Type ATM Withdrawal POS E-Commerce
RuPay Classic Up to 25,000 Up to 50,000 Up to 50,000
RuPay Platinum Up to 50,000 Up to 100,000 Up to 100,000

Note: Above mentioned figures are daily limits for cards transaction.

Service Charges & Fees   |   Terms & Conditions



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Rates & Charges

Rates & Charges

Revision of Liquid Plus Fixed Deposit interest rates
Revision in Schedule of Charges for Current and Savings Accounts
Revision of FD Plus Interest Rates
Revision of Interest Rate on Savings Accounts
Revision of Bulk Deposit Interest Rates
Revision of NRE/NRO Fixed Deposit Interest Rates
Revision of Recurring Deposit Interest Rates
Revision of Retail Fixed Deposit Interest Rates
Revision in Schedule of Charges for Current and Savings Account Revision in Schedule of Charges for Current and Savings Account
Notice on Revision in SMS Alert Charges Revision in Schedule of Charges for Current and Savings Account
Loan Rate type change related information Revision in Schedule of Charges for Current and Savings Account
Revision of Sweep Fixed Deposit Interest Rates Revision in Schedule of Charges for Current and Savings Account

Information on Bank Notes

RBI kehta hai know your banknotes Rs 10 Loan Rate type change related information
RBI kehta hai know your banknotes Rs 20 Loan Rate type change related information
RBI kehta hai know your banknotes Rs 50 Loan Rate type change related information
RBI kehta hai know your banknotes Rs 100 Loan Rate type change related information
RBI kehta hai know your banknotes Rs 200 Loan Rate type change related information
RBI kehta hai know your banknotes Rs 500 Loan Rate type change related information
RBI kehta hai know your banknotes Rs 2000 Loan Rate type change related information

Inoperative Account Activation Process

Inoperative / Unclaimed Deposit Activation Process Loan Rate type change related information

Branch Relocation/Shifting

Notice of Shifting - Porur
Notice of Shifting - Nagpur
Notice of Shifting - Gaya
Notice of Shifting - Nanded
Notice of Shifting - Surendranagar
Notice of Shifting - Palanpur
Notice of Shifting - Model Town K-1
Notice of Shifting - Jamnagar
Notice of Shifting - Nadiad
Notice of Shifting - Guna
Notice of Shifting - Raja Park Jaipur
Notice of Shifting - Khandwa
Notice of Shifting - Aurangabad
Notice of Shifting - Gorakhpur
Notice of Shifting - Salapada
Notice of Shifting - Petupali
Notice of Shifting - Dakara
Notice of Shifting - Baragram
Notice of Shifting - Bansajal
Notice of Shifting - Junagadh
Notice of Shifting - Bhavnagar
Notice of Shifting - Kolhapur
Notice of Shifting - Osmanabad
Notice of Shifting - Yavatmal
Notice of Shifting - Pavnar Wardha
Notice of Shifting - NSN Palayam
Notice of Shifting - Coimbatore
Notice of Shifting - Patiala

Others

Revision in Product Names Loan Rate type change related information

JANA DIWAS CONTEST – Terms & Conditions [#JanaDiwas]


I. DEFINITIONS:

  • “Campaign” shall mean this campaign being conducted on Facebook by Jana Small Finance Bank Ltd (‘Jana Bank’) exclusively for its employees for the promotion of its ‘Jana Diwas Contest’.
  • “Campaign Period" in relation to this Campaign shall have the same meaning as defined under Clause II (Campaign).
  • “Prize(s)” in relation to this Contest shall mean ‘Gift vouchers’ of the following values - 1st prize of INR 1500, 2nd prize of INR 1000 and 3rd Prize of INR 500
  • “Participant/s” Only Jana Bank employees are eligible to participate in this contest by participating to this Campaign, participant is indicating his/her agreement to be bound by these terms and conditions.

II. CAMPAIGN:

  • The Campaign Period shall mean, a period of one day i.e. 10 am Thursday, August 16, 2018 to 11.59 pm Thursday, August 16, 2018 (“Campaign Period”) as mentioned on the Jana Small Finance Bank Facebook page, before and during the campaign.
  • In order to participate, the Participant/s should like the Jana Small Finance Bank Facebook Page.
  • Participant/s has to comment in the format specified hereinafter. The ask of the campaign shall be related to Jana Small Finance Bank’s Jana Diwas and they have to comment with most creative wishes.
  • Entries to the Campaign will be in the form of comments and can only be in text, image or video format.
  • Participant/s have to comment with the hashtag “#JanaDiwas” to qualify their comment as a valid entry in the Campaign.
  • Multiple comments per Participant are not allowed. Based on the responses provided by the Participant/s, maximum three (3) eligible comments with highest number of likes shall be considered for selection of the winners of the Contest.
  • The selection of the entries is solely based on the discretion of Jana Small Finance Bank.
  • Any comment received in the format other than as specified herein above and/or received post the Campaign Period shall be considered void and hence shall not be taken into consideration for providing prize(s).

III. TERMS & CONDITIONS:

  • The Campaign is valid only for Participant/s for the Campaign Period and during the time announced by Jana Small Finance Bank on Facebook.
  • Participation in the Campaign is on a voluntary basis.
  • One Participant is eligible to get only one Prize(s) under the Campaign.
  • The Prize(s) is non-transferrable, non-binding, non-redeemable and non-encashable.
  • The Participant/s agree/s to provide complete and correct information with respect to his/her identity, contact details, location, age, and such other information as may be required by Jana Small Finance Bank for the Campaign.
  • The Prize(s) shall be shared within 60 working days post the Campaign Period is over. The decision of Jana Small Finance Bank on Participant(s) and the Prize(s) shall be final and binding.
  • Posting of any spam/ foul, indecent, threatening, business promotion, discriminating and/or false comments by tagging “#JanaDiwas or @JanaBank” during the Campaign may lead to disqualification of Participant/s. The decision of disqualification shall be the sole discretion of Jana Small Finance Bank.
  • After the Prize(s) are duly shared with the Participant(s), Jana Small Finance Bank shall not be responsible for any loss, damage, theft of the same.
  • In case of any dispute or difference in respect of the Campaign, the decision of Jana Small Finance Bank shall be final and binding.
  • In case of any dispute or difference regarding the Prize(s), the decision of Jana Small Finance Bank shall be final and binding upon receipt of any complaint by the Winner(s).
  • The Campaign is in no way associated with or sponsored, endorsed or administered by Facebook. All information in the Campaign is collected by Jana Small Finance Bank and not Facebook.
  • Any queries/communication/notice regarding the Campaign should be sent via DM to the Jana Small Finance Bank Facebook Page.
  • The participation in the Campaign shall be deemed to be acceptance of all the terms and conditions governing the Campaign.
  • Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the Participant/s due to provision of the Campaign, shall be borne solely by the Participant/s. Tax deducted at source, if applicable, on the monetary value of the Campaign shall be payable by the Participant/s.
  • In all matters relating to the Campaign, the decision of Jana Small Finance Bank shall be final and binding in all respects and no correspondence will be entered into
  • Jana Small Finance Bank shall not in any way be deemed to be making any representation whatsoever about the usefulness, worthiness and/or character of the Campaign, Prize(s) and/or Product(s)/Service(s) and shall not be responsible in any way whatsoever for the same.
  • The existence of a dispute with respect to, if any, regarding the usefulness, worthiness, nature and/or quality of the Prize(s) and/or Product(s)/Service(s), shall not constitute a claim against Jana Small Finance Bank.
  • Jana Small Finance Bank reserves the right to modify/ change all or any of the terms and conditions contained herein as per its discretion without assigning any reasons or without any prior intimation/notice whatsoever. Jana Small Finance Bank also reserves the right to discontinue the Campaign without assigning any reasons or without any prior intimation whatsoever.
  • Jana Small Finance Bank will not be liable in any manner whatsoever for any loss/ damage /claim/injury that may arise due to withdrawal or change in the terms and conditions of the Campaign.
  • Jana Small finance Bank reserves the right to disqualify participants from this campaign on grounds of profanity, obscene or spamming.
  • All the entries on the Campaign post become a property of Jana Small Finance Bank and can be repurposed any time in future in the form of media property/ies
  • Participation in the Campaign grants Jana Small Finance Bank the right to contact the participant/s via direct message, comments, emailers or phone number anytime, post the contest.

The Indian Financial System Code or IFSC code is an 11-character alphanumeric code used to identify bank branches for various monetary transactions including IMPS, NEFT and RTGS.


To find the IFSC codes for Jana Small Finance Bank branches, click here.

The Indian Financial System Code or IFSC code is an 11-character alphanumeric code used to identify bank branches for various monetary transactions including IMPS, NEFT and RTGS.


To find the IFSC codes for Jana Small Finance Bank branches, click here.

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In case you do not receive a satisfactory response at Level 2 within 5 working days, please do write in to our Principal Nodal Officer.

Name: Shirley George

Email Id: Nodal.officer@janabank.com

Telephone No.: 080-68131421.

Nodal Office Timings: 9am to 6pm (Mon to Fri).

Address: Jana Small Finance Bank Ltd., No. 11, 5th floor, Divyashree Chambers, O’Shaughnessy Road, Bengaluru - 560025

In case your grievance does not get resolved at the Bank Level within a month, you can write to the Integrated Banking Ombudsman. To know more click here

Individual

Liquid Plus Fixed Deposit

Liquid Plus Fixed Deposit

Interest Rates for Liquid Plus Fixed Deposit effective 19th September 2024

Tenure Retail ^ FD Interest Rate (p.a.) Bulk ^ FD Interest Rate (p.a.)
7-14 Days 6.75% 6.75%
15-60 Days 6.75% 6.75%
61-90 Days 6.75% 6.75%
91-180 Days 6.75% 6.75%

Note:

  1. The interest shall be computed based on the actual number of days in a year i.e. 365 days for a non-leap year and 366 days for a leap year. The tenor of the Fixed Deposit shall be calculated in number of days.
  2. In case of premature withdrawal or partial withdrawal of the Liquid Plus Fixed Deposit, interest shall not be paid at the originally contracted rate. In such cases, interest shall be paid at the applicable rate of interest for the duration for which the fixed deposit is maintained with us.
  3. Minimum tenor for Liquid Fixed Deposits is 7 days. No interest shall be paid in case premature withdrawal is made within 7 days.
  4. For all Non-Cumulative Fixed Deposits, interest shall be calculated on simple interest basis.
  5. Interest payouts are as per financial year. Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half-yearly payouts will be on 1st October & 1st April.
  6. The Minimum Value of a retail Fixed Deposit is ₹ 10 lakh and Maximum Value is Below ₹ 3 crore. The Minimum Value of a bulk Fixed Deposit is ₹ 3 crore and Maximum Value is upto 200 crore.
  7. The booking and partial withdrawal of the Liquid Plus Fixed Deposit Booking and Partial withdrawal can only be done in the banking hours by visiting the Branch. The same cannot be done through mobile banking application or internet banking portal in any scenario whatsoever.
  8. In case of partial withdrawal of the Liquid Plus Fixed Deposit, value of fixed deposit after the partial withdrawal should be equal to or more than the minimum fixed deposit value as stated above or as changed by the Bank from time to time.
  9. In case of withdrawal of fixed deposit (partial or full), the Bank shall endeavor settle the amount on T + 0 basis only in case the client has Current / Savings Account with the Bank. The said turnaround time shall change in case any event occurs which is beyond the control of the Bank.
  10. Taxes, duties, levies or other statutory dues and charges applicable in connection with the benefits accruing as per the terms of these Fixed Deposits will be recoverable from the Customer.
  11. Above rates will be applicable for all Resident Individual and Non Individual clients (no preferential rates are applicable for Senior Citizens or Bank’s employees under this product).
  12. Rates are subject to change from time to time without prior notice.
  13. Overdraft facility is available on the Liquid Plus Fixed Deposit. For more details, please contact your nearest Branch.
  14. The Bank shall have the absolute discretion to amend or supplement any of the Terms and Conditions at any time. The Bank may communicate the amended Terms to the customer. By continuing the Fixed Deposit with the Bank and using allied services, the Customer shall be deemed to have accepted the changed Terms and Conditions and any new terms and conditions stipulated by the Bank and/or its.

Savings Accounts

Interest Rate on all Savings Accounts applicable for Domestic, Senior Citizens and Non – Resident customers effective 03rd October 2024

Sr.No Savings Account Balance Interest Rate per Annum Illustration
1 Up to Rs. 1 Lakh 2.50% 2.50% will be paid on balances up to Rs. 1 Lakh
2 More than Rs. 1 Lakh and Up to Rs. 5 Lakhs 5.00% 5.00% will be paid on incremental balances above Rs. 1 Lakh & up to Rs. 5 Lakhs
3 More than Rs. 5 Lakhs and Up to Rs. 10 Lakhs 6.50% 6.50% will be paid on incremental balances above Rs. 5 Lakhs & up to Rs. 10 Lakhs
4 More than Rs. 10 Lakhs and Up to Rs. 10 Crores 7.50% 7.50% will be paid on incremental balances above Rs. 10 Lakhs & up to Rs. 10 Crores
5 More than Rs. 10 Crores and Up to Rs. 20 Crores 7.55% 7.55% will be paid on incremental balances above Rs. 10 Crores & up to Rs. 20 Crores
6 More than Rs. 20 Crores (Please contact your Branch)

Note:

  1. Interest is calculated on day-end balances maintained in the savings account
  2. The interest is paid / credited to savings account on quarterly basis
  3. Rates are subject to change from time to time

e.g.: If a customer maintains Rs. 1,50,000/- in the savings account, 2.50% interest will be earned for Rs. 1,00,000/- and 5.00% interest will be earned for the remaining Rs. 50,000/-

Sweep Deposits

Interest Rates for Sweep Deposits
Effective Date: 31st July 2024

Period Sweep - 30 days Sweep - 90 days Sweep - 180 days Sweep - 365 days
7-14 days 3.00% 3.00% 3.00% 3.00%
15-60 days 4.25% 4.25% 4.25% 4.25%
61-90 days - 5.00% 5.00% 5.00%
91-180 days - - 6.50% 6.50%
181-364 days - - - 8.00%
1 year (365 days) - - - 8.25%

Terms and Conditions:

  1. Interest is calculated on Simple Interest basis.
  2. For detailed sweep deposits Terms & Conditions and schedule of charges for the Current Accounts please visit on www.janabank.com
  3. Rates are subject to change from time to time

Retail Fixed Deposits for Domestic/NRO/NRE Customers

Interest Rates for Retail Fixed Deposits for Domestic / NRO / NRE Customers: Effective from 27th September 2024

Tenure Regular FD Interest Rate (p.a.) <10 Lakhs Sr. Citizen Interest Rate (p.a.) <10 Lakhs Regular FD Interest Rate (p.a.) >=10 lakhs Sr. Citizen Interest Rate (p.a.) >=10 Lakhs
7-14 Days 3.00% 3.50% 6.75% 6.75%
15-60 Days 4.25% 4.75% 6.75% 6.75%
61-90 Days 5.00% 5.50% 6.75% 6.75%
91-180 Days 6.50% 7.00% 6.75% 6.75%
181-364 Days 8.00% 8.50% 8.00% 8.50%
365 Days 8.25% 8.75% 8.25% 8.75%
> 1 Year - 2 Year(730 Days) 8.25% 8.75% 8.25% 8.75%
> 2 Years - 3 Years(1095 Days) 8.25% 8.75% 8.25% 8.75%
> 3 Year - < 5 Years 7.25% 7.75% 7.25% 7.75%
5 Years(1825 Days) 7.25% 7.75% 7.25% 7.75%
> 5 Years - 10 Years 6.50% 7.00% 6.50% 7.00%

Terms and Conditions:

  1. The interest is computed based on the actual number of days in a year i.e. 365 days for a non-leap year and366 daysfor a leap year. The tenor of Deposit is calculated in number of days.
  2. The above cardrates are applicable to depositsless than INR 3 Crore.
  3. Minimum tenure for NRE fixed deposits is 1 year and no interest rate is payable for deposits prematurely withdrawn within the period of 1 year from the date of the deposit.
  4. Only Resident Indian Senior Citizens (of 60 years and above age) are eligible for the above mentioned Senior Citizen Interest rate specified. The special rates are applicable only for Resident deposits
  5. Senior Citizens shall not get an extra 0.50% interest for FDs (>=₹ 10 Lakhs) for tenures between 7 days to 180 days.
  6. Interest earned on NRO fixed deposits are taxable as per applicable rates according to Income Tax Act 1961 as amended from time-to-time.
  7. In case of NRE deposit no interest will be paid if the NRE Deposit is liquidated before the completion of 1 year from the date of booking.
  8. The maximum amount is INR 1.5 Lakhsfor Tax Saver FD.
  9. Sr. Citizen Preferential rate is applicable for Tax Saver FD. The lock-in period for Tax Saver FD shall be 5 Years(1825Days) and no premature withdrawal will be allowed during lock-in period.
  10. In case of premature withdrawal of the deposit, interest will not be paid at the originally contracted rate. In such cases interest will be paid at the applicable rate of interest for the duration which the deposit is maintained with us minus premature withdrawal penal rate as follows:
    1. FixedDeposit less thanINR 300 Lakhs – 1%
    2. Fixed Deposits greater than or equal to INR 300 Lakhs - 1%
  11. For all Non-Cumulative Fixed Deposits, interest is calculated on Simple interest basis. Interest payouts are as per financial year: Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half-yearly payouts will be on 1stOctober & 1st April and Annual interest payouts will be on 1st April irrespective of the date of booking.
  12. In case of premature withdrawal of fixed deposit: The Interest rate applicable for premature closure will be lower of the rate for the original /contracted tenure for which the deposit has been booked OR the rate as prevailing on the date of deposit for the tenure for which the of deposit has been in force with the Bank.
  13. Rates are subject to change from time to time without prior notice.

Fixed Deposit Plus

Interest Rates for FD Plus: (For Fixed Deposits with No Premature Withdrawal facility): Effective from 4th October 2024

Tenure < 3 Crores 3 Crores - 5 Crores >5 Crores - 10 Crores >10 Crores - 25 Crores >25 Crores - 50 Crores >50 Crores
7-14 Days 3.10% 3.05% 3.05% 3.05% 3.05% 3.05%
15-30 Days 4.35% 4.30% 4.30% 4.30% 4.30% 4.30%
31-45 Days 4.35% 4.30% 4.30% 4.30% 4.30% 4.30%
46-60 Days 4.35% 4.30% 4.30% 4.30% 4.30% 4.30%
61-90 Days 5.10% 5.05% 5.05% 5.05% 5.05% 5.05%
91-180 Days 6.60% 6.30% 6.30% 6.30% 7.80% 6.30%
181-364 Days 8.10% 7.05% 7.05% 7.05% 7.05% 7.05%
365 Days 8.35% 7.30% 7.30% 7.30% 7.30% 7.30%
> 1 Year - 2 Years(730 Days) 8.45% 8.50% 8.05% 8.05% 8.05% 8.05%
> 2 Years - 3 Years(1095 Days) 8.35% 8.05% 8.05% 8.05% 8.05% 8.05%
> 3 Year - < 5 Years 7.35% 7.30% 7.30% 7.30% 7.30% 7.30%
5 Years(1825 Days) - 10 Years 6.60% 6.30% 6.30% 6.30% 6.30% 6.30%

Terms and Conditions:

  1. The above rate is applicable for domestic Fixed deposits of above Rs. 1 Crore (Rupees one crore) accepted from Individual and HUF customers and for above INR 15 Lakhs( Rupees Fifteen lacs) accepted from other customers (other than Individual and HUF).
  2. The interest is computed based on the actual number of days in a year i.e. 365 days for a non- leap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days.
  3. For the “FD with no Premature withdrawal / FD Plus Product”
    • Auto Renewal facility is not available
    • Pre-mature withdrawal of the deposit is not allowed before the expiry of the term, except in case of death of the account holder or on order from statutory and/or regulatory authority.
  4. For all Non-Cumulative Fixed Deposits, interest is calculated on Simple interest basis. Interest payouts are as per financial year: Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half-yearly payouts will be on 1st October & 1st April and Annual interest payouts will be on 1st April irrespective of the date of booking.
  5. In case of premature withdrawal of fixed deposit, the Interest rate applicable for premature closure will be lower of the rate for the original /contracted tenure for which the deposit has been booked OR the rate as prevailing on the date of deposit for the tenure for which the of deposit has been in force with the Bank.
  6. Rates are subject to change from time to time without prior notice.

Recurring Deposit

Recurring Fixed Deposit Rates: Effective from 13th July 2024

Period Regular RD Interest Rate (p.a.) Senior Citizen RD Interest Rate (p.a.)
> 1 Months - 6 Months 4.50% 5.00%
> 6 Months - < 12 Months 8.00% 8.50%
12 Months 8.25% 8.75%
> 12 Months - 24 Months 8.25% 8.75%
> 24 Months - 36 Months 8.25% 8.75%
> 36 Months - 60 Months 7.25% 7.75%
> 60 Months - 120 Months 6.50% 7.00%

Terms and Conditions:

  1. The interest is computed based on the actual number of days in a yeari.e. 365 daysfor a nonleap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days
  2. In case of premature withdrawal of the recurring deposit, penalty of 1% will be applied on the applicable rate of interest for the duration which the deposit is maintained with us.
  3. For delayed and/or missed monthly payment:
    1. A Penalty of ₹ 1.5 per ₹ 100 on the instalment amount will be levied
    2. This penalty will be levied on actual basisi.e. on the number of days of delay
    3. Grace period of 5 days will be provided to the customer to make the instalment payment to avoid the penal charges
  4. Bank reserves the right to close the recurring deposit in case the customer misses 5 consecutive recurring deposit instalments.
  5. The minimum tenor of Recurring Depositshould be 6 months
  6. The minimum instalment amountshould be ₹ 100.
  7. The instalment amount should be in multiples of ₹ 100.
  8. In case of premature withdrawal of recurring deposit, the Interest rate applicable for premature closure will be lower of the rate for the original /contracted tenure for which the deposit has been booked OR the rate as prevailing on the date of deposit for the tenure for which the of deposit has been in force with the Bank along with the penalty rates as applicable.
  9. Rates are subject to change from time to time

Bulk Deposits for Resident/Non-Residents

Interest Rates for Bulk Fixed Deposits for Resident/Non-Residents: Effective from 4th October 2024

Tenure 3 Crores - 4 Crores >4 Crores -5 Crores >5 Crores - < 10 Crores 10 Crores - 25 Crores >25 Crores - 50 Crores >50 Crores
7-14 Days 6.75% 6.75% 6.75% 6.75% 6.75% 6.75%
15-30 Days 6.75% 6.75% 6.75% 6.75% 6.75% 6.75%
31-45 Days 6.75% 6.75% 6.75% 6.75% 6.75% 6.75%
46-60 Days 6.75% 6.75% 6.75% 6.75% 6.75% 6.75%
61-90 Days 6.75% 6.75% 6.75% 6.75% 6.75% 6.75%
91-180 Days 6.75% 6.75% 6.75% 6.75% 6.75% 6.75%
181-364 Days 7.00% 7.00% 7.00% 7.00% 7.00% 7.00%
365 Days 7.25% 7.25% 7.25% 7.25% 7.25% 7.25%
> 1 Year - 2 Year(730 Days) 8.35% 8.00% 8.00% 8.00% 8.00% 8.00%
> 2 Years - 3 Years(1095 Days) 8.25% 8.25% 8.25% 8.25% 8.25% 8.25%
> 3 Year - < 5 Years 7.00% 7.00% 7.00% 7.00% 7.00% 7.00%
5 Years(1825 Days) - 10 Years 6.25% 6.25% 6.25% 6.25% 6.25% 6.25%

Terms and Conditions:

  1. The interest is computed based on the actual number of days in a year i.e. 365 days for a non- leap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days.
  2. The above card rates are applicable to deposits of INR 3 Crore & above.
  3. In case of premature withdrawal of the deposit, interest will not be paid at the originally contracted rate. In such cases interest will be paid at the applicable rate of interest for the duration which the deposit is maintained with us minus premature withdrawal penal rate as follows:
    1. Fixed Deposits greater than or equal to INR 300 Lakhs – 1%
  4. For all Non-Cumulative Fixed Deposits, interest is calculated on Simple interest basis. Interest payouts are as per financial year: Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half-yearly payouts will be on 1st October & 1st April and Annual interest payouts will be on 1st April irrespective of the date of booking.
  5. In case of premature withdrawal of fixed deposit: The Interest rate applicable for premature closure will be lower of the rate for the original /contracted tenure for which the deposit has been booked OR the rate as prevailing on the date of deposit for the tenure for which the of deposit has been in force with the Bank.
  6. Sr. Citizen Preferential rate is not applicable for NRE & NRO Fixed Deposits.
  7. Minimum tenure for NRE fixed deposits is 1 year and no interest rate is payable for deposits prematurely withdrawn within the period of 1 year from the date of the deposit.
  8. Interest earned on NRO fixed deposits are taxable as per applicable rates according to Income Tax Act 1961 as amended from time-to-time.
  9. Rates are subject to change from time to time without prior notice.

Loans

Jana Small Finance Bank offers Loans at attractive interest rates. For more information on our Loan offerings and interest rates, please get in touch with us or visit our nearest branch.

Type Product Type Min Interest Rate Max Interest Rate Weighted Average/Mean Interest Rates
Individual Loans Group Loan 23.00% 25.00% 24.89%
Agri Group Loan 22.00% 25.00% 23.94%
Agri Individual Loan 24.00% 24.00% 24.00%
Individual Loan 19.99% 28.00% 26.50%
Gold Loan 9.99% 17.99% 15.73%
Two Wheeler Loans 16.00% 26.00% 19.45%
PM Svanidhi 24.00% 24.00% 24.00%
OD Against FD (over & above FD rate) 0.50% 1.50% -
Housing Loan* 9.75% 24.00% 11.84%
Non Housing Loan* 10.00% 24.00% 15.73%
Water, Sanitisation and Hygiene (Wash) 28.00% 28.00% 28.00%

*Under Hybrid Rate of interest, The rate of interest is fixed for 39 months after first disbursement. After 39 months, there will be a floating rate of interest charged :T-Bill% of the month of reset + Applicable Margin %.

*For Quarter: Apr’24-Jun’24

Individual

Savings Accounts

Savings Accounts

Generic Account Opening Terms and Conditions Regular
Jana DIGIGEN & V-KYC Terms and Conditions Regular

Current Accounts

Video KYC Individual Current Account Video KYC
Generic Account Opening Terms and Conditions Regular

Deposits

Generic Account Opening Terms and Conditions Regular
Jana DIGIGEN & V-KYC Terms and Conditions Regular

Loans

Gold Loan Mobile Banking

Online Banking

Mobile Banking Mobile Banking
Internet Banking Internet Banking
Corporate Internet Banking Corporate Internet Banking

Payments

Transfer Funds
IMPS IMPS
NEFT NEFT
RTGS RTGS
UPI QR Code Loan Repayment UPI

Cards

RuPay Debit Card Rupay debit card

PM CARES Fund

Terms & Conditions for Contribution to PM-CARES Fund Rupay debit card

Customer Campaigns

BillPay Karein Aur Rewards Payein Rupay debit card

Individual

NRI Account

1. What all documents required for opening NRE/NRO Accounts?

1. What all documents required for opening NRE/NRO Accounts?

You need to have the following to open an NRI Account::

  • Duly Filled NRE/NRO Account Opening Application Form
  • Recent Colour Passport Size Photographs
  • Identity Proof: Indian/Foreign passport along with Pan/Form 60
  • NRI/PIO Status Proof: Valid VISA, Work/Residency permit, OCI Card, PIO declaration
  • Address Proof: Indian and overseas address proof
  • FATCA/CRS declaration

2. What are the Service Charges applicable for an NRE/NRO Account?

For complete details of NRE/NRO service charges, please refer our Schedule of Charges – NRE/NRO Accounts. It has the complete list of applicable charges for the services we offer on your NRE/NRO Accounts.

3. What is the Average Monthly Balance requirement applicable for NRE/NRO Savings or Current (Non-Interest Bearing) accounts?

Low Average Monthly Balance requirement of Rs.10,000/- for all Metro & Non-Metro Branches.

4. What is the Initial Payment requirement applicable for NRE/NRO Savings or Current (Non-Interest Bearing) accounts?

Low Initial Payment requirement of Rs.50,000/- only.

5. NRE/NRO Account holder are liable to pay tax on their NRE/NRO Accounts in India?

NRE Account holders are not liable to pay any tax in India. However, In case of NRO Account holders, Interest earned on the deposit balance is taxable in India.

Video KYC

1. What does video KYC mean?

1. What does video KYC mean?

Video KYC enables you to open a bank account wherein after entering few details you will have an option to get on a video call with our bank executive to complete your KYC process. With the video KYC process, you will not be required to visit the branch for completion of KYC.

2. What are the different steps involved in video KYC process?

You will have to visit www.janadigi.com , fill up your details and get on a video call with bank’s representative to complete the KYC process. The representative will guide you through the process. Please keep your original Aadhaar number, Original PAN Card, a blank sheet & a black pen handy.

3. Who is eligible to open an individual current account through Video KYC?

An Individual Current Account (through Video KYC) can be opened if you are a sole owner of a business having a valid PAN Card and are new to Jana Bank. Existing Jana customers can call our customer care number 18002080 for more details..

4. What are the documents required to do video KYC?

  • Aadhaar number
  • Original PAN
  • A blank white sheet of paper and black pen
    •

    5. What are the pre requisites to keep in mind before video KYC?

    • Good internet connectivity
    • Blank Background and no other person in frame
    • Aadhaar number, original PAN and blank sheet & black pen for signature
    • Physically present in India while doing video KYC

    6. How do we apply for video KYC?

    For doing the video KYC on-boarding, you will have to visit the link www.janadigi.com, fill up basic details and then you will get on a video call with our bank executive to do basic KYC checks. The agent will guide through the process, please keep your Aadhaar number, original PAN, a blank white sheet & black pen for signature.

    7. What are the advantages of doing a video KYC?

    Advantages

    • Open a full KYC regular Savings account in a few minutes from comfort of home
    • Enjoy unrestricted balance/deposits
    • Saves your valuable time
    • Convenient
    • No contact

    8. Is Aadhaar required for video KYC?

    Yes Aadhaar is required to do the video KYC. Aadhaar authentication is done through OTP received on the registered mobile number. Physical aadhaar is not required to carry out video KYC. However, please note that submission of Aadhaar is voluntary.

    9. Is PAN required for video KYC?

    Yes physical PAN card is mandatory for doing the video KYC. The customer will have to show the original copy of PAN card during the video call with our bank executive for verification purpose.

    10. I already have an account with Jana Small Finance Bank. Can I open another account with video KYC?

    Video KYC is only available to new to bank customers. Existing customers can call our customer care number 18002080 to schedule an appointment for any other service/product.

    11. Can I do video KYC account opening through my mobile phone?

    v-KYC process can be done through mobile phone by clicking on www.janadigi.com. This a progressive link which is compatible across various mobile devices

    12. How can I apply for personalised debit card during video KYC process?

    Once the account is opened, you will receive a SMS & email from the bank with the confirmation and account details. After the account is opened, please call our customer care number 18002080 for raising a request for a debit card.

    13. How can I login to mobile banking and set M-pin after video KYC process?

    Once the account is opened, you will receive an SMS & email from the bank with the confirmation and account details on your registered phone number and email id. Download the mobile banking app from Play store/App store. Please use the account details to login to the mobile banking app.

    14. Why is camera, microphone & location access required?

    Since the KYC process is done via video call, the access to camera and microphone is required to complete the KYC process. Please be assured it’s only for completing the KYC process and for verification purpose. Also, as per RBI guidelines, the prospect needs to be in India to carry out the video KYC process. The location details are required for the verification purpose only and will not be shared with any one.

    15. What if the video call is interrupted in between due to connectivity issue?

    If the video call drops in between, request you to restart the video call again by visiting the link www.janadigi.com.

    16. How can I avoid rejection of video KYC?

    The rejection can be due to several reasons one of them is poor video quality. You can still visit the nearest bank branch to open an account or call 18002080 to schedule an appointment for face to face account opening.

    17. My communication address is different from my Aadhaar address. Can I carry out the video KYC process?

    Yes it’s possible to add a communication address while filling up details for account opening. Please tick the self-verification box for the same.

    18. Is there any transaction limits on account opened through video KYC?

    Video KYC account opening lets you open a full KYC account. There is no limit on the transaction amount on the account.

    19. Can I do the video KYC journey in parts i.e. fill online details now and do video call later?

    The video KYC process has to be completed as a single process and cannot be split into parts.

    20. I have opened a digiGEN min KYC account. Can I open a regular savings account through video KYC?

    The video KYC is currently available for new to bank customers. Existing customers can call our customer care number 18002080 to schedule an appointment for any other service/product.

    21. What are the timings for doing video KYC account opening process

    The video KYC is available 7 days a week between XX timings.

    22. Is there any minimum pixel requirement for doing video KYC

    There is no minimum pixel requirement for the camera for doing video KYC

    23. What are the requirements of doing a successful video KYC?

    • Good internet connectivity on mobile/laptop/PC
    • Blank Background and no other person in frame
    • Aadhaar number, original PAN and white sheet & black pen for signature
    • Physically present in India while doing video KYC

    For any further information, please contact the nearest Jana Small Finance Bank branch.

    DIGIGEN

    1. What is a DIGIGEN account?

    1. What is a DIGIGEN account?

    DIGIGEN is a self on-boarding digital savings bank account offered by Jana small finance Bank for new to bank customers. Customer can open a DIGIGEN account by accessing the DIGIGEN URL present on the Jana bank’s (www.janadigi.com) website under Individual Savings account www.janabank.com and register using their Aadhaar number, PAN and other basic details. Customers can then register for Mobile banking/Retail Internet Banking and start using their Digi account immediately.

    2.What is the eligibility criteria for opening the DIGIGEN account?

    DIGIGEN account can be opened if you are a resident Indian citizen, above 18 years of age, have a PAN & Aadhaar linked with a phone number.

    3. Is it mandatory to provide nominee for DIGIGEN account?

    No. You will be asked to provide nominee details. If you do not wish to provide nominee, please select no & proceed further. It is always recommended to register the nominee details.

    4. What are the features of DIGIGEN?

    DIGIGEN is a Digital Bank Account. Key features of your DIGIGEN account:

    • Branchless banking
    • Higher interest rate on savings account balance.
    • Free online funds transfer using NEFT & RTGS.
    • Initial funding through a Net-banking/Debit card/UPI using a payment gateway

    5. What is FATCA and is it mandatory to provide FATCA declarations?

    FATCA stands for Foreign Account Tax Compliance Act. Yes, it is mandatory to provide FATCA declaration.

    6. If I am not a resident of India, can I still open DIGIGEN account?

    No. This account is opened only for a resident of India.

    7.I am not a citizen of India, can I open DIGIGEN account?

    No. This account is opened only for a citizens of India.

    8. Is it possible to open DIGIGEN account without Aadhaar?

    As it is a digital account, it is mandatory to provide Aadhaar & PAN details. If you do not wish to provide Aadhaar, please visit our nearest bank branch and choose from other range of products.

    9. If I get disconnected from the DIGIGEN journey due to some reason, can I start the journey again?

    Yes, you can start the journey wherever you left by entering the mobile number & OTP.

    10. Can I apply for a DIGIGEN account if I do not have a PAN card?

    PAN is mandatory to open DIGIGEN account.

    11. Will I get a cheque book for this account?

    No. Cheque is not available for DIGIGEN account. Please convert to full KYC to avail the cheque book facility.

    12. What are the account features & conditions of Digi Account?

    Account features includes Interest on savings.

    Account Restrictions DIGIGEN OTP Based
    Total cumulative credits Allowed Rs. 2,00,000** in a financial year
    Maximum Balance allowed at any given point of time across all accounts Rs. 1,00,000**in a financial year
    Time limit to complete your Full KYC/ Account Validity 365 days

    **Keeping in mind the interest credit from the Savings account & FD, cumulative credits and maximum balance at any point in time are capped at Rs. 1,90,000 and Rs. 90,000 respectively in the DIGIGEN application.

    Allowed limits

    Product Name Max Tenure Min Amount Max Amount
    Savings Account 365 days NA INR 90000
    Regular FD : Cumulative 11 Months INR 10000 INR 90000
    Senior FD: Cumulative 11 Months INR 10000 INR 90000

    13. How much amount I can fund through DIGIGEN application?

    Product Name Max Tenure Min Amount Max Amount
    Savings Account 365 days NA INR 90000 ((If choose to open only savings account)
    INR 90000 (If choose to open both savings and Fixed deposit accounts)
    Regular FD : Cumulative 11 Months INR 10000 INR 90000
    Senior FD: Cumulative 11 Months INR 10000 INR 90000

    Any amount more than mentioned above and upto maximum balance of Rs 90,000 can be funded by adding beneficiary on the Mobile banking/internet banking.

    14. How to fund my account till the optimum Limit of DIGIGEN account?

    You can fund your account by UPI or adding this account as a beneficiary in any other bank where you have account and can transfer the fund to your DIGIGEN account up to the optimum limit and then use Jana Bank Mobile Banking or Internet Banking to open FD accounts.

    15. Can I hold my DIGIGEN account jointly with another applicant?

    The DIGIGEN account is for a single user only, and cannot be opened jointly.

    16. How do I start using the Mobile Banking/ Retail Internet Banking App once my account is activated?

    Once your account is active, you can download and register in to the Mobile Banking App by entering your CRN and Name and DOB combination. Then generate the MPIN that you chose during the account opening process.

    17. What will be the fees & charges for DIGIGEN account?

    DIGIGEN has free funds transfer through NEFT & RTGS. For detailed SOC, please visit www.janabank.com.

    18. Can I withdraw cash or deposit cash through my DIGIGEN account?

    Yes, please visit the nearest ATM to withdraw cash. Cash withdrawal will not be facilitated by branches for DIGIGEN accounts however cash deposit can be done within the allowed limits.

    19. How can I invest in Term Deposit / Fixed Deposit after opening a DIGIGEN account?

    You can invest in a term deposit / Fixed by funding your savings account through DIGIGEN application or you can also register into the Mobile Banking App or Retail Internet Banking and book term deposit through it.

    20. How can I deposit money into my DIGIGEN account?

    You can deposit money via a payment gateway using your Net Banking/Debit card/UPI of another bank. This option is available just after the account activation screen on the DIGIGEN URL itself.
    You can also transfer money from another account through NEFT/IMPS at any point of time.

    21. How much money can I deposit into my DIGIGEN account?

    DIGIGEN the maximum amount you can have in this account at any given point of time is INR 90K. You can have a cumulative credit of maximum of INR 1.9 Lakhs in this account in a Financial Year. To remove these restrictions, please convert to a full KYC customer. Converting to a Full KYC account will remove your transaction restrictions.

    22. How do I upgrade to a regular Jana savings account?

    In order to upgrade to a regular savings account, you will need to verify your Full KYC details. You can book an appointment by calling our customer care on 1800 2080. One of our executives will visit you to complete the Full KYC verification. For Full KYC conversion, customer shall provide original KYC documents when the executive of the Bank visit you.

    23. When will the funds I transferred be available in my account?

    During the initial funding, the funds will reflect in the account in the same day. If the funding was successful and you haven’t received your money within two working days, please get in touch with us with the transaction reference number or call at our customer care number 18002080.

    24. What are the restrictions on transactions allowed for DIGIGEN?

    The aggregate of all deposit accounts to be not more than Rs 100000/- at any point in time.The aggregate of all credits in the account in a financial year should not exceed INR 190,000/- , unless in-person full KYC process is completed.
    If there is a transaction breach ( as mentioned above), the account will be put under debit and credit restrictions until converted to full KYC.
    In case full KYC is not completed within a year from the date of account opening the account will be closed
    For removing these restrictions, please visit the nearest Jana bank branch & convert to full KYC.

    25. What will happen if I breach these restrictions?

    In case if you breach these restriction at any point of time before converting into a Full KYC account then bank will put debit and credit restrictions and the written communication to be sent to convert to full KYC. Failing to do so will result in closure of the account.

    26. What are the limitations of this account?

    This account does not comes with a cheque book. You can deposit money in to your DIGIGEN account through payment gateway transactions or via IMPS/NEFT from other Bank.

    27. How do I book an appointment to convert my DIGIGEN account to a full KYC Jana savings account?

    In order to upgrade to a regular savings account, you will need to verify your details and convert your account into full KYC account.
    You can Call our customer care on 1800 2080 and schedule your appointment or you can visit our nearby branch
    One of our executives will visit you to complete the in-person KYC verification.
    Our customer executive will verify your details with your original PAN, Aadhaar & address proof. We will need a few more details from you.

    28. Who will call regarding the confirmation call for the appointment?

    One of our customer executives will call you to confirm the time of visit and your address of visit.

    29. Can the appointment be rescheduled?

    Yes, the appointment can be rescheduled. One of our executives will call you as per the confirmed time. If you would like to reschedule the appointment, please inform the same.

    30. What is an MPIN and why do I need to set one?

    An MPIN is a Mobile Banking Personal Identification Number. You will need your MPIN to login to the Mobile Banking App to transact and access your DIGIGEN account.

    31. How do I create my MPIN?

    During Jana Bank Mobile Banking registration process, you’ll be able to create a 4-digit MPIN of your choice.

    32. What if I forget the MPIN? How can I create again?

    You can deregister and register yourself to select a new MPIN for operating your account in case you forget your MPIN.

    33. How do I set password for my Net Banking*?

    You can set your password while registering for Net Banking. You’ll need your CRN number and Name and DOB combination to register in Retail internet banking.

    34. What is the validity of my DIGIGEN account?

    As per RBI guidelines, your DIGIGEN Account has a validity of 365 days, if the full KYC formalities are not completed before the completion of 365 days. If you haven’t completed these formalities, your account will be closed at the completion of 365 days.

    35. Once my DIGIGEN account is closed, can I re-apply for another DIGIGEN account?

    Once your DIGIGEN account is closed, you won’t be able to reactivate it or open a new DIGIGEN account. However, you can visit our nearest bank branch and explore other products

    36. What happens to the account after a year i.e. 365 days if the KYC is not completed?

    For account with no balance on due date - account will be automatically closed after the year is complete. For account with balance – DD with the remaining account balance to be sent to your communication address.

    37. Can the account closure be avoided?

    To avoid closure of accounts you can convert your account into a full KYC account.

    38. How will the balance of my DIGIGEN account be remitted to me in case of closure of the account?

    DD with the remaining account balance to be sent to your communication address in case of account closure.

    For any further information, please contact the nearest Jana Small Finance Bank branch.

    Deposits

    FD Plus

    1. Will this be applicable for new customers or existing customers?

    1. Will this be applicable for new customers or existing customers?

    This product will be available for both new and existing customers.

    2. When can the customer decide to opt for the ‘No Premature Withdrawal Option’?

    Customer has to opt for this at the time of account opening.

    3. Can the on-boarding be done through FOS?

    No. On-boarding has to be done through Paper Based format only.

    4. What if the customer wants to withdraw the deposit before the tenure completes?

    No. The customer cannot withdraw the deposit under any circumstances except in case of death of the account holder on order from statutory and/or regulatory body subject to approval from the Product Team.

    5. Is there minimum or maximum deposit amount?

    Minimum deposit amount should be above INR 15 Lakhs while there is no maximum deposit limit.

    6. Will there be additional rate given to Senior citizens and Jana Bankers?

    No. There is no additional rate for Senior citizens and Jana Bankers.

    7. For FDs above 1Cr, is there special rate available under this product?

    There is no special rate for deposits above 1Cr under this product.

    8. What is the Code for this product?

    Product Code for ‘FD Plus’ product is 411.

    9. Are both Cumulative and Non-Cumulative options available?

    The product is currently available for both cumulative and non- cumulative options.

    10. Are there any other changes in the Terms and Conditions?

    No. All other Terms and Conditions remain same as the Regular FD.

    For any further information, please contact the nearest Jana Small Finance Bank branch.

    Online Banking

    Mobile Banking

    Mobile Banking

    General

    1. What is Jana Small Finance Bank Mobile Banking?

    1. What is Jana Small Finance Bank Mobile Banking?

    • Jana Small Finance Bank Mobile Banking is a mobile application that allows you to access your bank account(s) using a mobile phone.

    2. Who can use Jana Small Finance Bank Mobile Banking?

    • Any Jana Bank customer with an active CASA account and a valid mobile number registered with the bank, can download the Mobile Banking App and register using their CRN or Debit Card details.

    3. What are the facilities available in Jana Small Finance Bank Mobile Banking?

    • Jana Small Finance Bank Mobile Banking makes banking a lot simpler. Now you don’t have to visit a Branch or ATM anymore for services like Mini statement, Balance Enquiry, Funds Transfer, opening a Deposit and Mobile recharges.
    • Jana Small Finance Bank Mobile Banking also gives you the access to added features like ATM / Branch Locator, applying for bank’s products, and other service requests.
    • It helps to easily manage your accounts, deposits and cards.

    4. Are there any charges for downloading/activating Jana Small Finance Bank Mobile Banking?

    • Jana Small Finance Bank offers Mobile Banking application free of charge to its customers.
    • Your mobile operator may levy charges for GPRS/SMS used. Please check with your operator for details.

    5. Which version of handsets support Jana Small Finance Bank Mobile Banking?

    • Jana Small Finance Bank Mobile Banking is supported on all handsets with the following Operating Systems:

      • a) iPhone / iOS 7.0 onwards

      b) Android 4.1 onwards

    6. What if I disagree with the terms and conditions for the application and click on the disagree button?

    • In order to use the application, you need to comply with the terms and conditions.
    • In case you disagree, you will not be able to use the application.

    7. Where can I find the details of loans on Jana Small Finance Bank Mobile Banking?

    • To view your loan details, click on the button Other Accounts on the Account Summary screen. The default view is deposits.
    • Click on loans to view all the loans linked to your customer id. Click on the Loan Account Number to view the loan details.

    8. If I have lost my mobile handset what should I do?

    • If you have lost your mobile phone then please report the same to Customer Service at 18002080.
    • You can download the application on your new handset and register using your CRN or Debit Card details. Once registered on the new handset, you will be de-registered from the older handset.

    9. Can I use JSFB MB on two handset simultaneously?

    • No, to ensure security of your account you can only use the application on one handset.

    10. How can I navigate to the various modules of application?

    • Once you open the application on your handset, click on the Menu icon present on the top of your screen to access the menu options of the Mobile Banking App.

    11. How do I download the Jana Small Finance Bank Mobile Banking application?

    • Jana Small Finance Bank Mobile Banking can be downloaded from Google Play Store for Android devices or from App store of Apple devices.

    12. What if I delete/uninstall JSFB MB from my phone by mistake?

    • You will need to download the application again on your handset.
    • Please refer to the FAQ response for "How do I download the Jana Small Finance Bank Mobile Banking application."

    13. Can anyone else access my JSFB MB?

    • Jana Small Finance Bank Mobile Banking is user specific.
    • It requires a 4 digit MPIN code that is recognised by the Bank for any transactions via the application.
    • It is a safe and secure process as the application locks itself on entering three consecutive incorrect PINs.
    • For matters of safety you are requested not to share your Jana Small Finance Bank Mobile Banking MPIN with anyone.

    14. Will the application get deactivated if I don’t use the service for a period of time?

    • The application will not get deactivated.

    15. Can I access JSFB MB when I am on national roaming?

    • Yes, as long as you have internet connectivity activated on your mobile number, subject to availability of the network, you can access Jana Small Finance Bank Mobile Banking anywhere

    16. I have formatted my phone, what should I do to activate JSFB MB application again?

    • In case of Android, you just need to download and install the application again. Necessary checks will be performed by the application itself to ensure security. Enter your MPIN and the application is ready to use.
    • In case of iPhone, you will need to perform the registration process again.

    Registration

    1. How do I register for the application?

    1. How do I register for the application?

    • You can register for the application using either your CRN or Debit Card details. After validating the CRN or Debit Card details, an OTP will be sent to your registered mobile number, which will be needed to complete the registration.

    2. How to de-register if my phone is lost?

    • If you have lost your mobile phone then please report the same to Customer Service at 18002080.
    • You can download the application on your new handset and register using your CRN or Debit Card details. Once registered on the new handset, you will be de-registered from the older handset.

    3. If I change the mobile number, then will I be able to register for the application?

    • In case you change the mobile number which was earlier registered with the Bank, you cannot register for Mobile Banking as there is a security measure to verify your mobile number before allowing you to register on your Mobile Banking App.
    • Please visit your nearest branch or ATM to update your new Mobile Number with the Bank.

    4. What if the application shows an error stating that your number is not registered with a secured channel?

    • Please visit your nearest branch or ATM to register/update your new mobile number with the Bank to use mobile banking application.

    5. I have registered my number using a secure channel but still unable to register?

    • In case you have just registered the number using a secure channel, please wait for 24 hours before trying to register again.
    • In case it has been more than 24 hours, please contact our customer care centre at 18002080.

    6. What happens when I try to activate JSFB MB on a handset which does not carry the SIM card of the registered mobile number?

    • The application will be downloaded in the handset and you can register in that handset but the OTP will be sent to your registered mobile number, which you need to provide to complete the registration process.

    7. I am on the registration OTP screen, what should I do next to activate the application?

    • You will be sent an SMS with OTP (security code) which needs to be entered on the screen to proceed ahead.

    8. I am a current account customer, can I register to the application?

    • At present, the mobile banking services can be availed by current account customers for the following categories: Sole Proprietorship, Resident Indian, and Hindu Undivided Family.

    9. I have savings as well as current account with JSFB, which of the two will be synchronised to the application?

    • Both the accounts will be synchronised to the Mobile Banking application.

    10. How to complete registration via Debit Card?

    • To register using your Debit Card credentials, enter the below details of your Active* Debit Card:
      • Card Number
      • Card PIN

      • Note: You can activate your Debit Card by doing any transaction at Jana Small Finance Bank ATM or at least one financial transaction (Cash Withdrawal) at non Jana Small Finance Bank ATM.

    11. What should I keep in mind while setting the MPIN?

    • Kindly enter unique digits while setting MPIN.
    • You will not be able to set an MPIN which is repetitive or sequential in nature.

    12. I have entered wrong debit card details 3 times and my card is blocked, what will happen now?

    • The card will be unblocked after 24 hours.
    • You will not be able to withdraw money from any ATM but you can do the Swipe/POS transactions.

    13. If my debit card is blocked or I don’t have a debit card then will I be able to use the MB application?

    • You can also register for Mobile Banking using your CRN number.

    Login

    1. I have entered the MPIN incorrectly, 3 times and message is displayed that ‘your JSFB MB application is locked’. What should I do?

    1. I have entered the MPIN incorrectly, 3 times and message is displayed that ‘your JSFB MB application is locked’. What should I do?

    • Your MPIN will be unlocked automatically within 1 hour.
    • Alternatively, you can click on ‘Forgot MPIN’ and reset your MPIN to continue accessing the Mobile Banking application.

    2. Can I login to Mobile Banking while I am already logged in Internet Banking?

    • You cannot login to Internet Banking and Mobile Banking at same time. Once you log in to Internet Banking, you cannot login to Mobile Banking till the time you do not log-out from Internet Banking.

    3. In case I have forgotten my MPIN how should I reset the same?

    • The MPIN can be reset by clicking ‘Forgot MPIN’ icon, you will get an option to reset your MPIN.

    Fund Transfer

    1. What if I get disconnected from internet or my mobile phone switches off while performing a transaction?

    1. What if I get disconnected from internet or my mobile phone switches off while performing a transaction?

    • You can simply reconnect to Jana Small Finance Bank Mobile Banking and verify your transaction history to check if the transaction has been executed.
    • You can also check the Mini Statement of the account.

    2. If I add a payee using the mobile application will this get reflected in the IB portal also?

    • Yes, the beneficiary added using the mobile application will be reflected while using internet banking as well.

    3. How to transfer funds to Jana Bank account holders and other bank account holders?

    • Select 'Funds Transfer' from Home Page/Menu and then select the required option for Fund Transfer.

    4. If I have multiple accounts and want to transfer money between them, how can I do it?

    • In the Funds Transfer section, select the option "Own Account"
    • Choose the account you want to transfer the amount to.
    • On the next screen select the account you want to transfer from and the amount and proceed like any other fund transfer.

    5. While making payments, how do I select a specific account number in case I have multiple account numbers?

    • To select one of your accounts while making payments, use the arrow marks on the account selection area or swipe up and down till the desired account comes into view.

    6. Can I schedule the fund transfer for a later date?

    • You can schedule the funds transfer to a later date by clicking on the ‘Later’ option instead of ‘Now’ during fund transfer.

    7. Why can’t I see any payees in the transfer to Jana Bank Payees screen?

    • This could be because you have not added any payees so far.
    • Use the "Add Payee" button present at the bottom of the Funds Transfer screen to add a payee.

    8. How can I delete a specific payee?

    • You can delete a payee using the Delete Payee button present at the bottom of the Funds Transfer screen

    9. How many payees can I delete at one go?

    • Only one payee can be deleted at a time.

    10. Can I add a payee without the nickname or the payee name?

    • No, you can’t add a payee without payee name.
    • Payee nick name is also a mandatory filed. You cannot add a payee without a nick name.

    11. How can I add a payee holding an account in another bank and what details are required for the same?

    • You can add another bank payee from Funds transfer -> Add Payee -> Other Bank.
    • Details required to add a payee for other bank account are Account Number, IFSC code, Payee Name.

    12. What will be the transaction limit post payee addition?

    • The Customer will be able transfer funds only after 30 mins of new payee addition.
    • For newly added payee transaction limit is Rs. 2,00,000 for first 24 hours, after which normal transaction limits will apply.

    13. What is the maximum amount that can be transferred per transaction from Mobile Banking?

    Type Minimum Maximum
    RTGS INR 2 Lakhs INR 35 Lakhs
    NEFT INR 1 INR 35 Lakhs
    IMPS INR 1 INR 5 Lakhs

    14. What will be the order of the transaction in the transaction history?

    • The transactions will be visible to the customer in the reverse chronological order i.e. the latest transaction will be the first to appear in the list.

    Deposits

    1. Where can I get details of deposit on JSFB MB?

    1. Where can I get details of deposit on JSFB MB?

    • Login to Jana Small Finance Bank Mobile Banking and click on Deposits arrow in overview screen where you can view Fixed or Recurring Deposits linked to your account.

    2. Can I open Fixed Deposit (FD) using JSFB MB?

    • Yes you can open a Fixed Deposit using the Open Deposit option from the Menu of Jana Small Finance Bank Mobile Banking.

    3. What details of deposits can be viewed on JSFB MB?

    • You can view the following deposit details:
      • Deposit Amount
      • Account Name
      • Maturity Amount
      • Interest Rate
      • Open Date
      • Maturity Date
      • Status
      • Deposit Type
      • Account Number for Maturity Amount

    4. How do I close my deposits using JSFB MB application?

    • Click on the deposits in overview screen. Select the deposit number you want to close. Once you select the deposit you can see the close deposit option at the bottom of the screen. Click that option and proceed further to close the deposit.

    Service Requests

    1. I have 5 current accounts, but all of these accounts are not visible in the mobile application.

    1. I have 5 current accounts, but all of these accounts are not visible in the mobile application.

    • At present, the mobile banking services can be availed by current account customers falling in the following categories: Sole Proprietorship, Resident Indian, and Hindu Undivided Family.
    • If you have any further queries, please contact your nearest branch or contact centre at 18002080.

    2. How can I request for an account statement through the application?

    • Select the account for which you wish to view / request the statement. The options to view and email statement are present at the bottom of the screen.

    3. Will my debit card get instantly blocked?

    • Yes, the debit card will be blocked instantly once you create a service request to block the card.
    • Once blocked, you will not be able to use your debit card for any transaction.

    4. Can I reactivate my debit card once it is blocked?

    • Your debit card once blocked cannot be reactivated in future and you will not be able to use your debit card for any transaction.
    • You can request for a new card by visiting your nearest branch.

    5. Can I change my debit/credit card pin using my JSFB MB?

    • Yes you can change your card pin from the service request section of the application.
    • Service request -> change card pin -> select the card number from the drop down -> continue -> type the old pin and the new pin and reconfirm the new pin -> submit.

    Apply Now

    1. Can I apply any type of loans using MB?

    1. Can I apply any type of loans using MB?

    • Yes you can apply for loans from MB by raising your request in Apply Now section. Our customer care will contact you once your request is received by them.

    2. In how many days my request will be processed?

    • Your request will be processed in 48 working Hrs.

    3. Can I apply for a Deposit?

    • Yes you can apply for deposits from MB by raising your request in the Apply Now section. Our customer care will contact you once your request is received by them.

    4. Can I see all the products available to the bank in this section of MB?

    • Yes you can view the products available in the bank.

    Locate Us

    1. How to use Locate Us?

    1. How to use Locate Us?

    • You can find the ‘Locate Us’ section in MB landing page of JSFB. You need to allow JSFB MB app to allow to access location of your device. It will then fetch you the branch and ATM of JSFB in a radius of 50 Km from your device location.

    2. Can I find any branch address in PAN India this section?

    • No, you will only find the branch/ ATM within a radius of 50Km from your GPS location.

    3. Will I get the phone number of every branch available in this section?

    • No, you will only find the address of the branches visible to you in Locate Us.

    4. Will it give me the nearby branch/ATM information?

    • Yes it will always give you branch address within 50Km from your location and also will show you ATM within 50Km from your location if you select the ATM option instead of branch.

    For any further information, please contact the nearest Jana Small Finance Bank branch.

    Internet Banking

    General

    1. Why should I opt for Internet banking?

    1. Why should I opt for Internet banking?

    • Jana Small Finance Bank Internet Banking is a convenient & faster way to access your account & manage your day to day banking transactions anytime, anywhere, 24X7 at your own comfort, without visiting branches and waiting in queues. It’s very secure and simple to operate.

    2. What are the benefits of using Internet banking?

    • Jana Small Finance Bank’s Internet Banking provides you a scope for benefits like:
      • Dashboard view of all your relationships with Jana Small Finance Bank - like your accounts, deposits, loans and your credit cards.
      • See your transactions history.
      • Open/close deposit instantly.
      • Transfer money to your own accounts and to other bank accounts.
      • Request, track status/stop payment of issued cheques and of cheques that are in clearing.
      • Update your profile picture, email-id and contact details.

    3. Is it safe to use Jana Small Finance Bank, Internet Banking?

    • We provide multiple layers of protection to secure your online banking experience:
      • 128 - Bit encryption to keep your transaction safe.
      • Highly secured Login-id and Password is one layer of security to access your account.
      • Second factor authentication i.e. OTP for all financial transactions.

    4. Who is eligible to use the JSFB Internet Banking?

    • Internet banking service is available to all customer having Savings and Current account with JSFB. In all cases, the customer / holder should have the authority to operate the account with full permission.

    5. What features / services are available on internet banking?

    • Jana Small Finance Bank Internet Banking gives you accessibility to your account/s - anytime, anywhere, 24X7 - at your comfort. You can manage all your daily transactions online. You can view/download statements, order cheque books and do fund transfers. You can even access requests for different services related to your accounts, deposits or cards.

    6. Will all my accounts / relationship details appear under a single user ID in internet banking?

    • Yes, if you are an individual and holding a Current A/c, Savings Account / Deposits / Jana Card / Loan Account with Jana Small Finance Bank, all the relationship with same CRN will be visible in Internet Banking.

    7. On which browsers can I use the Internet Banking website?

    Windows
    Browsers Operating System Current Version
    Internet Explorer 9.0+ Windows Vista + Internet Explorer 11 (OS 7+)
    Firefox 10+ Windows XP + Firefox 45.0.1
    Chrome 15.0+ Windows XP + Chrome 49.0
    Safari 5.1 + Windows XP + Safari 5.1.7
    Opera 11.60+ Windows XP + Opera 36.0
    MAC
    Browsers Operating System Current Version
    Firefox 23.0+ Mac OS X v10.6+ Firefox 45.0.1
    Chrome 25.0+ Mac OS X v10.6+ Chrome 40.0
    Safari 5.1+ Mac OS X v10.6+ Safari 9.1

    8. Can I download my bank statement from Internet Banking?

    • You can download the statement for your Bank Account using Internet Banking.

    Registration

    1. How do I register for Internet banking?

    1. How do I register for Internet banking?

    • Click on ‘Register’ option on main screen of internet banking.
    • You have an option to either register using CRN or your Debit Card details. Keep your CRN number or Debit Card details handy, along with access to your registered Mobile number.
    • If registering using CRN, then enter the CRN Number and the first four letters of your name followed by DOB in format DDMMYY.
    • If registering using Debit Card, enter the 16 digit debit card number and ATM Pin.
    • Once you submit your details, you will be asked to setup a Username and Password of your choice. Please keep the rules in mind while selecting your Username and Password.
    • You will receive an OTP on the registered mobile number. Enter the received OTP code and click on ‘Submit’.
    • The process is complete and you can now log in using the Login Id and Password on the main screen.

    2. Will I get a confirmation of my registration?

    • You will receive an SMS alert on your registered mobile number once the registration is done.

    Login

    1. What happens if I forget the Username?

    1. What happens if I forget the Username?

    • You can retrieve you Username by entering you CRN Number and the first four letter of name in lower case followed by DOB in format DDMMYY without any space. You can also use your 16 digit Debit Card Number and debit card PIN to retrieve your Username.

    2. What happens if I forget the password?

    • You can reset your password online:
      • Click on ‘Forgot Username / Password’ option on the Login screen of Internet Banking. You can reset your password either using your CRN number or your Debit Card details.
      • If you choose CRN option then enter 16 digit CRN number and the first four letter of name in lower case followed by DOB in format DDMMYY without any space, then customer can create Password of his choice and Authenticate with the OTP sent to his registered mobile number
      • If debit card option is chosen, then you have to enter debit card number and debit card PIN to reset new password of his choice and Authenticate with the OTP sent to your registered mobile number

    3. I have exceed the number of wrong password tries, what will happen?

    • In case you have just entered the wrong password tries for 3 times account gets locked, please wait for 24 hours before trying to login again.

    Fund Transfer

    1. What types of funds transfer can I do through Internet Banking?

    1. What types of funds transfer can I do through Internet Banking?

    • You can transfer the funds to:
      • Your own Jana Bank Account
      • Accounts within Jana Bank
      • Accounts of other Banks

    2. What type of Fund Transfer options are available in Jana Small Finance Bank Internet Banking?

    • NEFT
    • IMPS
    • RTGS

    3. Are there any charges for fund transfers done through Internet Banking?

    4. How to add a payee/beneficiary for Fund Transfer?

    Login to Internet Banking by visiting www.janabank.com

    • a) Addition of Jana Small Finance Bank Beneficiary / payee:
      • Go to ‘Fund Transfer’ and click on ‘Add Payee’.
      • Select the option ‘Jana Bank Payee’.
      • Enter the Payee Account Number and Nick Name for the Payee, and click on Submit.
      • The name of the Payee will be displayed on the screen. Validate if the correct beneficiary is being registered.
      • Enter the OTP to complete registration.
      • Your beneficiary is now registered.
    • b) Addition of Other Bank Beneficiary / payee:
      • Go to Fund Transfer and click on ‘Add Payee’
      • Select the option ‘Other Bank Payee’
      • Enter the Payee’s Account Number, IFSC code or bank and branch details, Payee’s Name, Nickname, along with Payee’s mobile number and email ID, and click on Submit.
      • Verify and confirm your details.
      • Enter the OTP to complete registration.
      • Your beneficiary is now registered.

    Note: Funds transfer to any new beneficiary / payee will be enabled only after 10 minutes post activation.

    5. How many payees can be added on any given day?

    • 5 payees can be added in a single day.

    6. What will be the transaction limit post payee addition?

    • The Customer will be able transfer funds only after 30 mins of new payee addition.
    • For newly added payee transaction limit is Rs. 2,00,000 for first 24 hours, after which normal transaction limits will apply.

    7. What is the maximum amount that can be transferred per transaction from Internet Banking?

    Type Minimum Maximum
    RTGS INR 2 Lakhs INR 35 Lakhs
    NEFT INR 1 INR 35 Lakhs
    IMPS INR 1 INR 5 Lakhs

    8. What do I do if I have added a payee with incorrect account details and have transferred the money as well?

    • Bank is not responsible for funds transfer to any wrong account by customer. Please ensure all the details are correct while adding a new payee.

    9. What are the cut off timings for different types of fund transfer?

    • All the types of Transfers i.e. IMPS, NEFT & RTGS are operational 24*7

    10. Can I initiate fund transfer on bank holidays?

    • Yes, Fund transfer can be initiated on holidays. Fund transfer thorough IMPS/NEFT/RTGS as per the mode of transfer selected.

    11. Can I initiate fund transfer for a future date?

    • Yes, for you can set a funds transfer for a later date during funds transfer.

    12. Can I pay from any of my accounts with the Bank?

    • You can initiate fund transfer via any of your linked active accounts to make your payments.
    • You need to select the account number from the list of your linked accounts while initiating a funds transfer instruction online.
    • Please note that if one of your accounts is jointly held and if you do not have debit rights on the account, you will not be able to transfer through such a joint account.

    Deposits

    1. Can I open /close FDs through Internet Banking?

    1. Can I open /close FDs through Internet Banking?

    • Yes, you can open and close the FD through Internet Banking at any point of time.

    2. How long does it take to open FD through internet banking?

    • FD is created real-time, the moment you confirm and authenticate by entering OTP sent to your registered mobile number.

    Service Request

    1. What are the service requests that I can place through Internet banking?

    1. What are the service requests that I can place through Internet banking?

    • Configure / Update Email ID
    • Change Card PIN
    • Block Card

    Locate/ Contact us

    1. How do I get in touch with Jana Small Finance Bank in case of any queries? Internet Banking?

    1. How do I get in touch with Jana Small Finance Bank in case of any queries? Internet Banking?

    • You can call Jana Small Finance Bank’s customer service toll free number at 18002080.

    For any further information, please contact the nearest Jana Small Finance Bank branch.

    Corporate Internet Banking

    General

    1. What is CIB (CIB)?

    1. What is CIB (CIB)?

    • CIB (CIB) is Jana Bank's user-friendly online banking service that helps Business, Corporate and Institutional customers to execute complex banking transactions from with a click of a button.

    2. What is the Difference between retail and CIB?

    • In retail internet banking multiple accounts can be operated by a single person but in corporate Single Account can be operated by multiple person according to their Role & limit allocated.

    3. Who is eligible for Jana Bank CIB?

    • This service is available to any non-individual entity availing Jana Bank products.

    4. How do I access CIB (CIB)?

    5. What are the benefits of using Jana Bank’s CIB?

    Jana Bank’s CIB comes with a host of benefits like:

    • Single Page view of accounts, deposits etc.
    • Visibility to average and projected balances of accounts
    • Facility to download account statements (PDF/EXCEL formats only)
    • Secure and safe online banking - protected by 2-factor-authentication
    • Option to have Verify-Confirm-Authorise workflow
    • Fund Transfer to own account, Jana to Jana account and Other Bank accounts
    • Simplifying salary payments to multiple beneficiaries via a single file upload
    • Personalised dashboard
    • Admin controlled user access
    • At the click of a button access to cheques book requests, stop cheque request, account statement mail copy, cheque status and request status for your raised service requests.
    • Ease of opening deposit.

    6. Which browsers can be used to operate CIB?

    • CIB can be operated through all browsers except Safari and it is a web based application and cannot be operated through Mobile phones due to small screen size.

    Application Process Related

    1. How will I know when my CIB request has been processed?

    1. How will I know when my CIB request has been processed?

    Once the documents are submitted by the entity, the request will be processed within 5 working days subject to fulfilment of document scrutiny by bank.

    You will receive three emails which will be password protected. Password to access the email attachments will be your registered mobile number for CIB.

    • Email 1 – Group ID and Login ID attached as a PDF file in the email
    • Email 2 - Login password attached as a PDF file in the emaill
    • Email 3 – Authorisation password attached as a PDF file in the email

    In case you do not receive any communication, please contact your Jana Bank Branch/RM.

    2. What are Group ID and Login ID?

    There is a two-tiered login approach for every CIB customer.

    • Group Id – all entities are provided with a unique ID called Group Id.
    • Login Id – all the users under that entity will be issued an Id called Login Id.

    For example, Sneha working for Anil Enterprise will use Group ID ANIL and Login ID SNEHA to login ( both Group Id and Login Id will be different and will be provided by bank admin to the entity basis request received for CIB access)

    3. Can any Group ID and Login ID be selected?

    At the time of on-boarding the entity can express their choice of Group Id which will be allotted subject to availability. Once the Group Id is allocated entity cannot alter the same.

    User ID is created by the Bank Admin basis the individual user’s name availability. Once the Login Id is allocated, users cannot alter the same.

    4. Is Group ID and Login ID case-sensitive?

    • Yes, Group ID and Login ID are case sensitive.

    5. Is password case sensitive?

    Yes. Rules to set password are:

    • Password should be of at least 8 characters without any space
    • It should mandatorily contain alpha-numeric characters
    • Should contain at least one Special character
    • Following characters are not allowed <&Space\\ /?.,>
    • New password cannot be as same as your previous 3 password(s)
    • Don't put a password same as User name

    6. What documents required to get CIB access?

    You are required to submit certain documents at any Jana Bank Branch. The documents are as listed below:

    Constitution Documentation applicable as per type of access
    View Only Transaction Access
    Sole Proprietor CIBF+KYC+POA CIBF+KYC+POA
    Registered Partnership firms CIBF + KYC + Partnership letter
    CIBF + KYC + POA for users who are not partners     		CIBF + KYC + Partnership letter
    CIBF + KYC + POA for users who are not partners
    Un-registered partnership firms CIBF+ KYC+ Partnership letter+ POA for users including partners who are users CIBF+ KYC+ Partnership letter+ POA for users including partners who are users
    Company / LLP CIBF+ KYC+ Resolution

    In case of unregistered Trust/Society/Association/Club, POA for all users should be obtained     		CIBF + KYC + Board Resolution

    In case of unregistered Trust/Society/Association/Club, POA for all users should be obtained
    Trust /Association
    Society/Club
    Banks
    Government bodies CIBF+ KYC+ letter CIBF + KYC + Govt. Order
    HUF CIBF+KYC+POA(If not Karta) CIBF+KYC+POA(If not Karta)
    • * Indicative list of documents required for CIB operation.
    • * KYC means the KYC of the CIB Users to be on-boarded
    • * If the user is authorised signatory of the account (means account has been opened with the KYC of that user) then KYC of such user will not be required again for CIB on-boarding

    7. Is it mandatory to enter mobile number and email ID in the CIB form?

    • Mobile number and email ID registration are mandatory for all type of users, i.e. maker, checker, viewer etc.

    8. Can multiple users under an entity have the same mobile number and email ID?

    • No. All users within an entity mandatorily should have unique mobile numbers and email IDs registered for the purpose of security.

    9. What is the purpose of CIB Access Request form?

    The CIB Request form has to be submitted by every entity to get the access. This request form will have the following mandatory information:-

    • Choice of Group Id for entity
    • User details for entity
    • User role details for entityr
    • User access right details for entity
    • User Transaction limits (If any)
    • User Account access limit for entity

    Login Related

    1. What do I do in case I have not received my Login credentials?

    1. What do I do in case I have not received my Login credentials?

    • Please call our customer care at 18002080 or contact your nearest bank branch/ Relationship Manager.

    2. I am unable to access my CIB?

    • Please write an email to customercare@janabank.com along with a screenshot of the error so that we resolve the same at the earliest. You can also contact us on 18002080.

    3. What will happen if I do not access CIB for a long time?

    • If you do not access CIB for 90 days, your account will automatically get deactivated.

    4. How do I activate my user ID if it is deactivated?

    • Please call the contact centre at 18002080 or contact your nearest bank branch / Relationship Manager requesting for the activation of the required Id. As per entity’s request Bank Admin user will activate that user for that entity.

    Password Related

    1. How do I get password for my CIB user ID?

    1. How do I get password for my CIB user ID?

    • For CIB the password will be mailed to respective user once their Id gets created.
    • After that users can only change password or can initiate forgot password.
    • To reset password entity admin user has to call the contact centre at 18002080 or contact our nearest bank branch / Relationship Manager requesting for resetting the password of the required Id. As per entity’s request Bank Admin user will activate that user for that entity.

    2. How do I change password for my CIB user ID?

    • On the CIB landing page, select ‘User Preferences and settings’ option.
    • Click the ‘Change Password Tab’.
    • Enter the old password
    • Enter your new password and re-enter the new password (password should be as per bank’s password policy) and submit.
    • User will get an email with password attached in PDF format.

    3. What do I do if I forget my password?

    • On the CIB pre login page, select ‘Forgot Password’ option.
    • Enter the Group Id and Login Id
    • Enter your new password and re-enter the new password (password should be as per bank’s password policy) and submit.
    • User will get an email with password attached in PDF format.

    4. How many passwords are required to access CIB?

    There are two sets of password require to access CIB:-

    • Login password - This is required for logging in to CIB and to view account details.
    • Authorisation Password - This is required for authorising transactions like fund transfers, service requests etc.

    5. When do my passwords get locked?

    As a security feature, the account gets locked if wrong password is attempted for 3 times.

    • Login Password - In case of 3 incorrect login password entries, the system will lock the user account.
    • Authorization Password - In case of 3 incorrect authorization password entries, the system will lock the user account.
    • OTP - In case of 3 incorrect OTP entries, the system will lock the user account.

      • To unlock your account user has to contact our call centre at 18002080 or can contact the nearest bank branch / Relationship Manager.

    Authorisation Related

    1. What are the types of access provided for CIB users?

    1. What are the types of access provided for CIB users?

    a) View access: View-only access will allow users to view the transactions / statement of accounts linked to their User ID. However, they will not be able to transact on these accounts

    b) Transaction access: Transaction access will allow users to do transactions on the accounts linked to the User ID. The following type of transaction accesses can be:

    • Maker: maker will initiate the transactions.
    • Checker: checker will authorise the transactions.

    2. What are the User Profiles that can be taken in CIB?

    Profiles for Users in CIB are as listed below:

    • Maker: can initiate transactions that will need to be approved
    • Checker: can approve transactions initiated by others
    • Maker & Checker: can enter and approve transactions singly
    • Viewer : can only view accounts and not transact on them

    3. What are the types of limits that can be set in CIB?

    Transaction limits can be set to control CIB usage as per the entity’s requirements.

    For an entity user, the following limits can be set:

    • Per transaction limit: Maximum amount up to which a particular user can initiate/ authorise a single transaction.

    In addition, the limits can be applied for entity also based on the transaction type (NEFT/RTGS/Third Party Transfer/ Own account transfer/ Jana to Jana Transfer/IMPS) in safetynet where the transaction exceeding the limits will not get restricted automatically, it will get routed to Bank Admin for approval. In safety net we can define the below limits:

    • Daily limit: Maximum amount of transactions that can be done by all users put together, under a corporate in a day and the number of such transactions.
    • Monthly limit: Maximum amount of transactions that can be done by all users put together, under a corporate in a month and the number of such transactions.

    4. Is there any maximum transaction limit for CIB transactions?

    • No. There is no transaction limit for entities in CIB. It will be UNLIMITED. But there will be threshold limit set at bank level in safetynet for some unusual transaction occurrences to prevent fraudulent activities or Money Laundering practices and same will be informed to the entity at the time of on-boarding.

    5. Is maker – checker process offered by CIB?

    • Yes. Entity can implement a maker- checker process for greater control over the transactions being made on their accounts. Different profiles can be chosen for each user depending on the role played by them within the corporate.

    6. How many levels of approvers can be made in CIB?

    • The number of approvers required for processing transactions will be specific to every entity and every transaction and will be defined or provided by the corporate. Though our CIB supports maximum 3 layers of authorisation for a single transaction.

    7. Do I get an access of all the entity accounts in CIB?

    • CIB access is given at Account Level. Account linking is a process where out of the list of accounts pertaining to the corporate, specific accounts are mapped to specific users and this is done as per instructions provided by the Corporate. Users will have access only to those accounts that have been linked to their User ID.
    • For example, if a corporate has 6 accounts under their Group ID, user A may be mapped to 3 of those accounts whereas user B may be mapped to all 6 accounts.

    8. How do I delete an existing user in CIB?

    • You can go to the specific group where user is tagged and can delete the user. If you are only a maker then the same request will go to the checker and will be processed as per the defined authorisation level. Once the request got processed the status will be available to you in your dateline section corresponding to that request.

    Fund Transfer Related

    1. What all transactions can be made using CIB?

    1. What all transactions can be made using CIB?

    CIB can be used to make the following transactions:

    • Own Account Transfers
    • Jana to Jana transfer
    • Other bank Transfers
      • All transfers can be done either through NEFT, RTGS or IMPS
    • Open Deposits
    • Request Cheque Book
    • Stop Cheque
    • Cheque Status
    • Request Status Inquiry
    • Bulk upload (Single debit, multiple credits)
    • Statement generation
    • View FD accounts
    • View OD accounts

    2. What is the salary upload processing time?

    • Salary files can be uploaded using CIB before 4 PM.

    3. How much time will it take to execute salary upload transaction?

    • As soon as the authoriser approves the bulk file upload, bank will start processing the file. Cut- off time to upload the file is 4 PM and the file processing time will depend upon the number of records in the file.

    4. Bulk NEFT/RTGS allowed or not?

    • Bulk NEFT/RTGS transactions are allowed through bulk uploads only.

    5. Is there any specific format for funds transfer using the Bulk Upload Facility?

    • Yes. Corporate clients can either create their own format with the help of bank’s template or they can use bank’s default template to create bulk upload file.

    6. Can I use CIB for international fund transfers?

    • No. You can only transfer funds within India.

    7. What are the timings for NEFT/ RTGS/ IMPS transactions through CIB?

  • To know the cut-off timings of all payment related instruments please visit https://www.janabank.com/payments

    • 8. How do I check status of my CIB transactions?

    • Login to CIB >> Click on Accounts >> Click on Dateline to view all the transactions details or use transaction filters available in the system according to your requirement >> Click on Search and Transaction Details along with Status would be displayed according to the search criteria. OR Click on Accounts >> Click the required account >>Click on statements >> click on date range or select pre-defined date range to view all the transactions through your account.

    9. What are the other options available in CIB under Transaction Status Enquiry?

    • Stop Transaction – This helps you Stop Transactions that have already been approved
    • Modify Transaction – This helps you Modify details of transactions that have already been approved
    • Copy Transaction – This helps you copy transaction details to make similar payments again
    • Set as Favourite Transaction – This helps you to set transactions as favourite to make the same payment

    10. Is it possible to schedule a transaction?

    • Yes, you may schedule a transaction by entering a future date while making a transaction. It will be executed on the day specified.

    Security & Safe Banking

    1. How safe is Jana Bank’s CIB?

    1. How safe is Jana Bank’s CIB?

    CIB provides multiple layers of protection to secure your online banking experience:

    • Two levels of passwords (Login and Authorization/OTP) to provide enhanced security to all your transactions.
    • Entities also have the option to apply for a maker and checker facility for all financial transactions.
    • There is safetynet functionality to prevent any fraudulent fund transfer and Money Laundering activities.

    2. What should I do if I suspect an unauthorized transaction in my account?

    • If you suspect that there has been an unauthorised transaction in your account, please report it to the nearest bank branch immediately or email to customercare@janabank.com/ you can call us on 18002080. You may also contact your Branch or Relationship Manager..

    3. What general precautions should I take to protect my account on the Internet?

    • Never disclose your password to anyone and change it regularly
    • Do not access your Internet Banking account from a cyber cafe or a shared computer. However, if you happen to do so, change your passwords from your own computer.
    • Do not give your account information to telemarketers or to callers claiming to confirm or verify your account information. Bank never makes such calls to share such information on the phone.
    • Never respond to emails that request personal information. Jana Bank will not send any requests asking you to disclose your passwords, PINs, OTP or other personal or financial information
    • Always remember to log off from Internet Banking section and close your browser when you have finished your online banking.
    • Always use strong, alphanumeric passwords, which cannot be guessed easily and for multiple accounts, use different passwords and do not write them down.
    • Always check the last login to your Internet Banking account to ensure that there has been no unauthorised login attempt to your account.
    • Do not use passwords that are obvious, like your name/nickname, names of your family members, your address, phone number, or any other information that a thief might find in your purse or wallet.
    • Do not use the same password as the one which you use to log in to your computer or access your email.

    For any further information, please contact the nearest Jana Small Finance Bank branch.

    Form 15G/15H FAQs

    A person can submit a declaration in Form 15G/15H to the bank, wherein he/she declares that the estimated total income of the previous year is below the basic exemption limit and tax liability on his/her total income is NIL.

    1. What are Form 15G/GH?

    1. What are Form 15G/GH?

    Forms 15G/15H are forms which a customer can submit to ensure that the Tax Deducted at Source (TDS) is not deducted on the interest income, if she/he meets the applicable conditions. Also, the customer must have a Permanent Account Number (PAN) before making a declaration in Form 15G/15H.

    2. Who can submit Form 15G/GH?

    A resident individual (other than a senior citizen), HUF, Trust, Association, Society, Clubs can submit Form 15G. Whereas, a resident senior citizen can submit Form 15H.

    3. If a customer submits the form and does not have a PAN?

    The date of birth and PAN should be updated in the bank account(s) in the bank’s records. An individual can only submit Form 15G/15H to a bank with a valid PAN, failing which, tax will be deducted @ 20%. It is advisable to obtain a copy of the PAN card with the cover letter if PAN is not available with the bank.

    4. Who all are not eligible to submit Form 15G/15H?

    • Company
    • Partnership Firm
    • Non-Resident Indian
    • An Indian resident whose estimated total income or the aggregate total income exceeds the basic exemption limit given in the table below:
      Type of customer Age Form Type Basic Exemption Limit (Rs.)
      Individual Below 60 years 15G 2,50,000*
      Senior Citizen (Individual) 60 years or above at any time during the year but below the age of 80 years. 15H 3,00,000*
      Super Senior Citizen (Individual) 80 years or above at any time during the year. 15H 5,00,000**
      Other than Individual (i.e. Trust, Association, Club, HUF and Society) Not Applicable 15G 2,50,000

      *Form 15G/H can be accepted even if the estimated total income exceeds the basic exemption limit, provided it does not exceed Rs. 5 Lakhs and the total tax liability (after considering rebate) is NIL. Refer FAQ No. 6 for the meaning of “total income” and FAQ No. 7 for an illustration

      **Form 15H can be accepted only if the total tax liability on total income is NIL for a super senior citizen. Refer FAQ No. 6 for the meaning of “total income”.

    5. Does filing Form 15G/15H mean interest income is not taxable?

    Form 15G/15H is only a declaration that no taxes should be deducted at source on interest income since the tax on the customer’s total income is nil. Thus, Form 15G/15H can be obtained, only if the tax on the total income of the resident individual after all deductions is Nil.

    6. What is ‘Estimated Total Income’ while submitting Form 15G/15H

    The term ‘Gross Total Income’ (‘GTI’) is aggregate of incomes computed under the five heads of income, after applying clubbing provisions (if any) and after making adjustments of set off losses (if any). However, the ‘Total Income’ (‘TI’) of an assessee is computed by deducting from the GTI, all deductions permissible under Chapter VIA of the Act i.e., deductions under sections 80C to 80U of the Act.

    Estimated Total Income is the total income (i.e., TI as defined above) from all the sources the customer has or will earn during the year for which Form 15G/15H is submitted after claiming all the deduction permissible under the Act.

    7. Illustration:

    a) Tax Computation of resident individual aged below 60 years

    Particulars Scenario-I Scenario-II
    Interest Income on Fixed deposits 3,00,000 3,00,000
    Income From House Property 2,00,000 2,00,000
    Income from Other Sources 1,50,000 3,00,000
    Gross Total Income 6,50,000 8,00,000
    Deductions under chapter VIA (80C, 80D etc.) 1,50,000 1,50,000
    Total Income 5,00,000 6,50,000
    Tax Liability 12,500 42,500
    Rebate us/ 87A 12,500 -
    Net Tax Liability Nil 42,500
    Applicability of Form 15G Form 15G can be accepted as tax liability is NIL Form 15G cannot be accepted as there is a tax Liability

    In both the scenario, ‘Gross total income’ exceeds the basic exemption limit. However, in scenario I, after claiming the deduction under Chapter VIA and rebate under section 87A there is no tax liability payable, therefore the customer can submit Form 15G. In scenario II, total income after eligible deductions exceeds Rs. 5 Lakhs and there is a tax liability payable, therefore the customer cannot submit form 15G.

    b) Tax Computation of senior citizen aged between 60 to 80 years

    Particulars Scenario-I Scenario-II
    Interest Income on Fixed deposits 3,00,000 3,00,000
    Income From House Property 2,00,000 2,00,000
    Income from Other Sources 1,50,000 3,00,000
    Gross Total Income 6,50,000 8,00,000
    Deductions under chapter VIA (80C, 80D etc.) 1,50,000 1,50,000
    Total Income 5,00,000 6,50,000
    Tax Liability 10,000 40,000
    Rebate us/ 87A 10,000 -
    Net Tax Liability Nil 40,000
    Applicability of Form 15H Form 15H can be accepted as tax liability is NIL Form 15H cannot be accepted as there is a tax Liability

    In both the scenario, ‘Gross total income’ exceeds the basic exemption limit. However, in scenario I, after claiming the deduction under Chapter VIA and rebate under section 87A there is no tax liability payable, therefore the customer can submit Form 15H. In scenario II, total income after eligible deductions exceeds Rs. 5 Lakhs and there is a tax liability payable, therefore the customer cannot submit form 15H.

    8. What is previous year and assessment year?

    Previous year refers to the current Financial Year 2021-22 (i.e., beginning 1st day of April 2021 and ending on 31st day March 2022) for which the customer is submitting the form. Assessment Year (‘AY’) is year subsequent to the current financial year. For instance, for the current Financial Year 2021-22, the Assessment Year would be AY 2022-23.

    9. When would the customer submit Form 15G/15H?

    Customer should submit Form 15G/15H at the beginning of the previous year. Form 15G/15H are valid for one financial year. Accordingly, a separate Form 15G/H would need to be obtained for each Financial Year.

    10. Is there a time limit to submit Form 15G/15H?

    There is no time limit or due date for obtaining Form 15G/15H. However, it is advisable to obtain it at the beginning of the financial year or as and when the new deposit is created or renewed.

    11. What is the validity of Form 15G/15H?

    The Form 15G/15H obtained by the customer is valid for one Financial Year in which the customer has declared that his tax liability is NIL.

    12. Customer has submitted Form 15G/15H during FY 2020 and no new deposits have been opened in FY 2021, in such case is the customer required to submit Form 15G/15H?

    Yes, the customer is required to submit Form 15G/15H to the bank for each financial year separately as for the Form 15G/H is valid only for one financial year.

    13. Can TDS exemption be given for all the deposits made by the customer?

    The benefit of TDS exemption can be granted only with respect to deposits which are mentioned in Form 15G/15H as the case may be. If subsequent to submission of Form 15G/15H by the depositor, a new deposit has been created or a deposit has been renewed by which the Fixed Deposit (FD) number, amount, or any other detail changes, a fresh Form 15G/15H is required to be submitted for getting exemption from TDS. This is required as per the Central Board of Direct Tax Notification No. 6 of 2017.

    Accordingly, Form 15G/H would need to be obtained as follows:

    • In a case where there are deposits in an earlier year and no deposits during the current Financial Year i.e., 2021-22 – Form 15G/H to be obtained at the beginning of the current Financial Year.
    • In the case of single deposit for the entire current Financial Year – single declaration to be obtained in the relevant quarter in which the deposit is made; and
    • In the case of additional deposits during the current Financial Year – fresh declarations to be obtained in the quarter in which the additional deposit is made by providing details of earlier declarations made during the current financial year.

    14. Is the interest earned on Fixed Deposits in the name of a Minor clubbed with the guardians and can 15G be submitted by the Guardian for Interest on Fixed Deposits earned by him and on the Deposit in Minor’s name?

    The interest income earned on deposit in the name of a Minor (below 18 years of age) is clubbed with the guardians as per declaration obtained at the time of opening the FD account. In such case Form 15G/15H can be obtained from the Guardian as applicable.

    15. When shall taxes be deducted at source?

    Taxes shall be deducted at source when the interest income earned exceeds Rs. 40,000 in a financial year for all resident assesses, except for resident senior citizens. In case of resident senior citizens, taxes shall be deducted at source when the interest income earned exceeds Rs. 50,000 in a financial year.

    However, no taxes shall be deducted if the depositor being a non-senior citizen has furnished Form 15G and depositor being senior citizen has furnished Form 15H.

    16. What if the customer forgets to submit the forms during the financial year and tax has been deducted by the bank where the interest paid exceeds Rs. 40,000 (for any person other than senior citizen) or Rs. 50,000 for a senior citizen?

    If the customer has not filed Form 15G/15H during the year, the bank would have deducted taxes where the aggregate interest paid exceeds Rs.40,000 (for any person other than senior citizen) or Rs. 50,000 for a senior citizen and deposited the taxes to the Government. The bank shall not refund the taxes deducted for a customer.

    In such a case, the customer shall file his/her personal income tax returns and claim refund of taxes.

    17. Is bank liable to provide acknowledgement for submission of Forms?

    The bank is required to provide a copy of the acknowledgement to the customer for submission of the Forms. Such acknowledgement will be required for any further correspondence.

    Instructions for filling Form 15G by the Depositor

    Sl. No. in the Form Particulars in the Form Instructions in brief
    1. Name of the Declarant Please provide the full name of the person holding fixed deposits in the Bank as per the PAN.
    In the case of the fixed deposits are held jointly, the first holders will be the Declarant.
    2. PAN of the assessee PAN to be provided
    3. Status Status can be any one of the following per Form:
    1. Individual (including senior citizen or super senior citizen)
    2. HUF
    3. Association
    4. Trust
    5. Society
    4. Previous year (for which the declaration is being made) The previous year refers to the financial year in which the declaration is required to be filed. Refer FAQ No. 8.
    If the deposits are made, say on September 24, 2021, then the previous year for which the declaration is filed would be 2021-22.
    5. Residential Status The person making deposits shall report his residential status as ‘Resident’
    (Refer Note below)
    Note: An individual will qualify as a ‘Resident’ if he satisfies any one of the following:
    • He is in India for a period of 182 days or more during the previous year; OR
    • He is in India for a period of 60 days or more during the previous year AND 365 days or more during the four preceding previous years

    If any one of the above two conditions are not satisfied, he is a Non-Resident.
    6. to 14 Address and contact details of the Declarant Complete address to be provided along with email ID / phone number, if any
    15. Whether assessed to tax under the Income-tax Act, 1961 Please mention “YES” only if you satisfy the following (any condition):
    1. Filed income tax returns in any of the last 6 years preceding the current year
    2. Income is above taxable limit (i.e. basic exemption limit mentioned in FAQ No. 4) in any of the last 6 years preceding the current year
    3. Assessed to tax in any of the last 6 years preceding the current year
    If you select ‘YES’ for any of the above 3 points, please mention the latest assessment year in which:
    1. Filed income tax returns
    2. Income was above taxable limits
    3. Assessed to income tax.
    If you do not satisfy any of the above 3 points, then select ‘NO’.
    16. Estimated income for which the declaration is made Please mention only the estimated income from fixed deposits that would be paid by Jana Small Finance Bank during the year for which the declaration is filed.
    17. Estimated total income of the previous year in which income mentioned in column 16 to be included Please mention the estimated total income (after considering the income in sl. No. 16) from all the sources after claiming deductions under Chapter VI-A of the Income-tax Act, 1961.

    Example: Your total annual income is Rs. 2,25,000 from all sources (like interest on deposits with other bank, income received from other business or rent received). Also, you have 1/2/3 FD(s) with Jana Small Finance Bank for which the estimated income earned on deposit(s) is Rs. 10,000. In that case, mention Rs. 2,35,000 as the ‘Estimated Total Income including the estimated income earned on deposit(s).
    18. Details of Form 15G other than this Form filed during the previous year, if any Please mention total number of Form 15G/15H filed during a previous year across all the banks

    Example: You have two deposits with ABC Bank and one deposit with Jana Small Finance Bank, and have submitted one Form 15G/H for both deposits with ABC Bank on April 05, and now you are submitting for Jana Small Finance Bank Fixed Deposit, then mention the count of ‘Number of forms filed’ as 1.
    In case you have not submitted any Form 15G/H, from April 01 till date, then the answer is ‘0’
    19. Details of Form 15G other than this Form filed during the previous year, if any
    Identification number of relevant investment / accounts etc. Please mention the FD account number / date filed by you during the relevant financial year
    Nature of income Please specify ‘Interest’ if income is earned from fixed deposits
    Section under which tax is deductible Section 194A of Income-tax Act, 1961
    Amount of income Please specify the amount of interest income against the FD (s) made.

    Instructions for filling Form 15H by the Depositor

    Sl. No. in the Form Particulars in the Form Instructions in brief
    1. Name of the Declarant Please provide the full name of the person holding fixed deposits in the Bank as per the PAN.
    In the case of the fixed deposits are held jointly, the first holders will be the Declarant.
    2. PAN of the assessee PAN to be provided
    3. Date of birth (DD/MM/YYYY Please provide the date of birth as per PAN
    4. Previous year (for which the declaration is being made) The previous year refers to the financial year in which the declaration is required to be filed. Refer FAQ No. 8.

    If the deposits are made, say on September 24, 2021, then the previous year for which the declaration is filed would be 2021-22.
    5. to 13 Address and contact details of the Declarant Complete address to be provided along with email ID / phone number, if any
    14. Whether assessed to tax Please mention “YES” only if you satisfy the following (any condition):
    1. Filed income tax returns in any of the last 6 years preceding the current year
    2. Income is above taxable limit (i.e. basic exemption limit mentioned in FAQ No. 4) in any of the last 6 years preceding the current year
    3. Assessed to tax in any of the last 6 years preceding the current year
    If you select ‘YES’ for any of the above 3 points, please mention the latest assessment year in which:
    1. Filed income tax returns
    2. Income was above taxable limits
    3. Assessed to income tax.
    If you do not satisfy any of the above 3 points, then select ‘NO’.
    15. Estimated income for which the declaration is made Please mention only the estimated income from fixed deposits that would be paid by the Jana Small Finance bank during the year for which the declaration is filed.
    16. Estimated total income of the previous year in which income mentioned in column 16 to be included Please mention the estimated total income (after considering the income in sl. No. 15) from all the sources after claiming deductions under Chapter VI-A of the Income-tax Act, 1961.

    Example: Your total annual income is Rs. 2,25,000 from all sources (like interest on deposits with other bank, income received from other business or rent received). Also, you have 1/2/3 FD(s) with the Jana Small Finance bank for which the estimated income earned on deposit(s) is Rs. 10,000. In that case, mention Rs. 2,35,000 as the ‘Estimated Total Income including the estimated income earned on deposit(s)
    17. Details of Form 15G other than this Form filed during the previous year, if any
    Please mention total number of Form 15G/15H filed during a previous year across all the banks

    Example: You have two deposits with ABC Bank and one deposit with Jana Small Finance Bank, and have submitted one Form 15G/H for both deposits with ABC Bank on April 05, and now you are submitting for Jana Small Finance Bank Fixed Deposit, then mention the count of ‘Number of forms filed’ as 1.     		In case you have not submitted any Form 15G/H, from April 01 till date, then the answer is ‘0’
    18. Details of Form 15G other than this Form filed during the previous year, if any
    Identification number of relevant investment / accounts etc. Please mention the FD account number / date filed by you during the relevant financial year
    Nature of income Please specify ‘Interest’ if income is earned from fixed deposits
    Section under which tax is deductible Section 194A of Income-tax Act, 1961
    Amount of income Please specify the amount of interest income against the FD (s) made.

    The Locker facility provides customers a safe, trustworthy space to store their valuables. Jana Small Finance Bank offers locker facility at select branch locations for the benefit of its customers.

    Smart Lockers

    Smart Locker eliminates the presence of a bank staff and gives access to customer to deposit or retrieve precious items at any time, any day. This also comes with next-generation automated technology & advanced identification features. Smart locker facility is only available in selected location.

    Key Benefits

    FEATURES CHOICES
    Size Options
    • Wide availability of lockers in various sizes at selected locations
    Nomination
    • Nomination Facility available
    Rentals
    • Competitive rentals charged on the lockers

    Locker Sizes

    Size Height Width Dimension
    Small Locker 125 179 502
    Medium Locker 125 360 502
    Large Locker 278 360 502

    Smart Locker Sizes

    Size Height Width Dimension
    Small Locker 83 325 235
    Medium Locker 118 325 235
    Large Locker 152 325 235
    Extra Large Locker 186 325 235

    Service Charges & Fees   |   Frequently Asked Questions   |   Terms & Conditions



    Jana Small Finance Bank offers RuPay debit card under following variants:

    • RuPay Select
    • RuPay Platinum
    • RuPay Classic

    Key Benefits

    RuPay Select Debit Card:

    Be a part of an exclusive club with your RuPay Select Debit Card for your affluent lifestyle.

    FEATURES BENEFITS
    Gym Access
    • One complimentary 30 days free offline gym membership every quarter.
    Spa services
    • One complimentary spa session or salon service every quarter.
    Health Check-ups
    • One complimentary premium health check-up package every quarter.
    Golf Program
    • One complimentary golf lesson or round every quarter.
    Complimentary Lounge Program
    • Make your travel experience hassle-free with access to 50+ domestic lounges three times per calendar quarter and 500+ participating international lounges three times per calendar year per card. Know more.
    Comprehensive Accidental Insurance Cover upto INR 10 lakhs*
    • Keep yourself and your family safe with Personal Accident insurance and Permanent Disability cover upto Rs.10 Lakhs*.
    Exclusive Merchant Offers
    • Exclusive Offers from Partner Merchants.
    24/7 Concierge Services
    • Personal Assistance Anytime, Anywhere. 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 South Indian Languages on the toll free number- 1800-26-78729.

    Click here to know more.


    RuPay Platinum Debit Card:

    Celebrate the joys of life every day with your RuPay Platinum Debit Card.

    FEATURES BENEFITS
    Amazon Pay & Swiggy Offers*
    • Celebrate round the year with exclusive Amazon Pay and Swiggy offer on your RuPay Platinum Debit Card*.
    Complimentary Lounge Program
    • Make your travel experience hassle-free with access to 65+ domestic airport lounges or 7+ railway lounges once per calendar quarter and 500+ participating international lounges two times per calendar year per card. Know more.
    Comprehensive Accidental Insurance Cover upto INR 2 lakhs*
    • Keep yourself and your family safe with Personal Accident insurance and Permanent Disability cover upto Rs.2 Lakhs*.
    Exclusive Merchant Offers
    • Exclusive Offers from Partner Merchants.
    24/7 Concierge Services
    • Personal Assistance Anytime, Anywhere. 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 South Indian Languages on the toll free number- 1800-26-78729.

    Click here to know more.


    RuPay Classic Debit Card:

    With RuPay Classic debit card, customers get the Exclusive Merchant Offers.

    FEATURES BENEFITS
    Exclusive Merchant Offers
    • Celebrate round the year exclusive merchant offers available on your RuPay Classic Debit Card for all Point-of-Sale (PoS) and online shopping transactions. Know more

    Terms & Conditions



    X Disclaimer Now you are entering into the external website link outside the Jana Small Finance Bank website. The purpose behind providing the link is only for the convenience of the customers. Jana Small Finance Bank do not stand to gain from it monetarily, directly or indirectly, in the way of fees or commissions or otherwise, when our customers view the offers made by the merchant or when our customers make any purchases. Customer shall visit the external website with their own risk and Jana Small Finance Bank shall not have any liability for the same.

    OK

    Jana Small Finance Bank offers RuPay debit card under following variants:

    • RuPay Select
    • RuPay Platinum
    • RuPay Classic

    Key Benefits

    RuPay Select Debit Card:

    Be a part of an exclusive club with your RuPay Select Debit Card for your affluent lifestyle.

    FEATURES BENEFITS
    Gym Access
    • One complimentary 30 days free offline gym membership every quarter.
    Spa services
    • One complimentary spa session or salon service every quarter.
    Health Check-ups
    • One complimentary premium health check-up package every quarter.
    Golf Program
    • One complimentary golf lesson or round every quarter.
    Complimentary Lounge Program
    • Make your travel experience hassle-free with access to 50+ domestic lounges three times per calendar quarter and 500+ participating international lounges three times per calendar year per card. Know more.
    Comprehensive Accidental Insurance Cover upto INR 10 lakhs*
    • Keep yourself and your family safe with Personal Accident insurance and Permanent Disability cover upto Rs.10 Lakhs*.
    Exclusive Merchant Offers
    • Exclusive Offers from Partner Merchants.
    24/7 Concierge Services
    • Personal Assistance Anytime, Anywhere. 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 South Indian Languages on the toll free number- 1800-26-78729.

    Click here to know more.


    RuPay Platinum Debit Card:

    Celebrate the joys of life every day with your RuPay Platinum Debit Card.

    FEATURES BENEFITS
    Amazon Pay & Swiggy Offers*
    • Celebrate round the year with exclusive Amazon Pay and Swiggy offer on your RuPay Platinum Debit Card*.
    Complimentary Lounge Program
    • Make your travel experience hassle-free with access to 65+ domestic airport lounges or 7+ railway lounges once per calendar quarter and 500+ participating international lounges two times per calendar year per card. Know more.
    Comprehensive Accidental Insurance Cover upto INR 2 lakhs*
    • Keep yourself and your family safe with Personal Accident insurance and Permanent Disability cover upto Rs.2 Lakhs*.
    Exclusive Merchant Offers
    • Exclusive Offers from Partner Merchants.
    24/7 Concierge Services
    • Personal Assistance Anytime, Anywhere. 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 South Indian Languages on the toll free number- 1800-26-78729.

    Click here to know more.


    RuPay Classic Debit Card:

    With RuPay Classic debit card, customers get the Exclusive Merchant Offers.

    FEATURES BENEFITS
    Exclusive Merchant Offers
    • Celebrate round the year exclusive merchant offers available on your RuPay Classic Debit Card for all Point-of-Sale (PoS) and online shopping transactions. Know more

    Terms & Conditions



    X Disclaimer Now you are entering into the external website link outside the Jana Small Finance Bank website. The purpose behind providing the link is only for the convenience of the customers. Jana Small Finance Bank do not stand to gain from it monetarily, directly or indirectly, in the way of fees or commissions or otherwise, when our customers view the offers made by the merchant or when our customers make any purchases. Customer shall visit the external website with their own risk and Jana Small Finance Bank shall not have any liability for the same.

    OK

    A facility designed especially for the Jana Cash App offers the convenience to recharge your prepaid / postpaid mobile phone and DTH service, anytime and anywhere, using any of our payment modes.

    Key Benefits

    FEATURES BENEFITS
    Convenient Facility
    • Recharge your mobile phone or DTH easily
    Extensive list of service providers
    • Recharge options available for a wide range of service providers:
      Airtel, Vodafone, Idea Cellular, Aircel, BSNL, Tata Docomo, MTNL, Reliance, Telenor (Uninor) and Virgin Mobile
    Diverse Payment Options
    • Payment modes for self-initiated transactions from Jana Cash App:
      • Jana Cash Wallet
      • RuPay Prepaid Card(if linked to wallet)
    • Payment modes for recharges at agent location:
      • Cash
      • Jana Cash Wallet
      • RuPay Prepaid Card

    Eligibility Criteria

    Existing Customers with Jana Cash App can use the service. Those who don’t have access to a Smartphone can visit the nearest agent location and use the recharge service.

    How to Pay

    If you have access to a Smartphone, recharge online:

    • Visit the App Store / Play Store on your phone
    • Download the Jana Cash App
    • Sign-in using mobile number and PIN (First-time users need to sign up for the service)
    • For Mobile Recharge:
      • Enter the mobile number
      • Choose from the available plans
    • For DTH Recharge:
      • Enter the registered mobile number and amount
      • Click pay
      • Recharge is completed in seconds

    If you don’t have access to a Smartphone, recharge offline:

    • Visit the nearest agent location
    • Ask for the recharge service
    • Give him the details
    • And pay through your Jana Cash Wallet or Cash

    Required Documents

    No documents are required to avail this service.

    Service Charges & Fees   |   Frequently Asked Questions   |   Terms & Conditions



    Real Time Gross Settlement (RTGS) is the continuous (real-time) settlement of funds individually on an order by order basis (without netting). 'Real Time' means that the processing of instructions is done immediately at the time they are received rather than at some later time. 'Gross Settlement' means the settlement of funds transfer instructions occurs individually (on an instruction by instruction basis). The funds settlement takes place in the books of the Reserve Bank of India and thus the payments are final and irrevocable.

    Channels for Transacting

    • Mobile Banking (MB)
    • Retail Internet Banking (RIB)
    • Corporate Internet Banking (CIB)

    Limits and Charges

    Transaction Limit RTGS
    Daily Minimum Limit for Channel (MB & RIB) INR 2 Lakhs
    Daily Maximum Limit for Channel (MB & RIB) INR 25 Lakhs
    Daily Minimum Limit for Branch INR 2 Lakhs
    Daily Maximum Limit for Branch NA
    *For CIB, maximum limits are applicable based on corporates requirement

    Click here to view the Schedule of Charges.

    RTGS Transaction Timings

    Our RTGS facility is now available 24X7

    Terms & Conditions



    National Electronic Funds Transfer (NEFT) is a nationwide payment system facilitating one-to-one funds transfer. Under this Scheme, individuals can electronically transfer funds from any bank branch or online banking to any individual having an account with any other bank in the country participating in the Scheme.

    Channels for Transacting

    • Mobile Banking (MB)
    • Retail Internet Banking (RIB)
    • Corporate Internet Banking (CIB)

    Limits and Charges

    Transaction Limit NEFT
    Daily Minimum Limit for Channel (MB & RIB) INR 1
    Daily Maximum Limit for Channel (MB & RIB) INR 10 lakhs
    Daily Minimum Limit for Branch INR 1
    Daily Maximum Limit for Branch NA
    *For CIB, maximum limits are applicable based on corporates requirement

    Click here to view the Schedule of Charges.

    NEFT Transaction Timings

    NEFT Services are now available 24x7.

    Terms & Conditions



    Jana Small Finance Bank uses the Unified Payment Interface (UPI) for its payment service on the BHIM app. BHIM -UPI enables you to send and receive money through your UPI-linked Jana Small Finance Bank account. It ensures a fast and swift transfer of money without having to store balance in a wallet.

    Key Benefits

    FEATURES BENEFITS
    Convenient Facility
    • Transfer money easily using BHIM app or any PSP app
    • Transfer cash instantly and digitally
    Easy Registration
    • The payee gets registered immediately after the transaction
    Flexible Payment Options Get access to offline payments:
    • No lower limit for transfer
    • 24X7 facility to send and receive funds

    Eligibility Criteria

    • Must hold a Jana Small Finance Bank Account
    • Must be a smartphone user

    How to Register

    Follow the steps given below to download and use the service:

    • Visit the Play Store / App Store on your phone
    • Download the BHIM App
    • Register using your bank account information

    Secure and Encrypted Transaction

    • Two-factor authentication includes Passcode for login and UPI - PIN for transaction authorisation.
    • The extra layer of security ensures that your account is secure against fraudulent activities.

    Service Charges & Fees   |   Frequently Asked Questions   |   Terms & Conditions



    Immediate Payment Service is an instant money transfer service through electronic media. With IMPS service, we help you access your Bank Account and transfer funds instantly. The beneficiary account is credited immediately when a Fund Transfer request is made. This service is available 24/7, throughout the year including on Sundays and any Bank Holidays. You will need IFSC code + account number of the recipient to transfer funds using IMPS facility.

    Channels for Transacting

    • Mobile Banking (MB)
    • Retail Internet Banking (RIB)
    • Corporate Internet Banking (CIB)

    How to Transfer Money

    • Login to Jana Small Finance Bank online Banking applications
    • Click on Fund transfer
    • Select Beneficiary
    • Select Transfer type as IMPS
    • Enter details like Transaction amount and Transaction remarks
    • Click on Submit
    • Enter your One Time Password (OTP) received on the registered mobile number / MPIN (only for mobile banking) and click on confirm to complete your transaction

    Once your transaction is completed, your payment confirmation number will be displayed on the screen. You will also receive an SMS informing you about the relevant status.

    Limits and Charges

    Transaction Limit for IMPS
    Daily Minimum Limit for Channel (MB & RIB) INR 1
    Daily Maximum Limit for Channel (MB & RIB) INR 2 lakhs
    *For CIB, maximum limits are applicable based on corporates requirement

    Click here to view the Schedule of Charges.

    Terms & Conditions



    Client said to keep non-clickable
    1. Payment Services
    2. BHIM-UPI
    3. Internet Banking
    4. Mobile Banking

    For media queries, please contact corp.comm@janabank.com