Jana Small Finance Bank's Group Loan is designed to extend loan facilities to women, with the objective of helping them meet their financial needs.

Key Benefits

FEATURES	ATTRIBUTES
Loan Amount	Minimum amount is INR 15,000 Maximum amount is INR 50,000
Age of Applicant	Between 18 to 58 years
Loan Tenure	Maximum 24 months
Security	Group guarantee
Processing Fee	0 - 2% plus applicable GST
Interest Rates	Enjoy highly competitive interest rates ranging from 22% - 26% p.a.

Eligibility Criteria

Applicants must meet the following requirements to be eligible for the loan:

• Should fulfil KYC documents requirements
• Age should be between 18 to 58 years
• Should not have an adverse credit record
• Should meet the acceptable credit norms according to Jana Small Finance Bank
• Should be part of a group of customers who are willing to guarantee each other for the repayment of loan

How to Apply

• Visit the nearest branch of Jana Small Finance Bank and our Loan Executive will guide you on the application process.
• Contact us and our Customer Care Executive will fix a doorstep service appointment with our Loan Executive to help you with the application process.

Required Documents

• Primary ID: Aadhaar

• Secondary ID: PAN card / Form 60

• In case of non-availability of PAN card, customer needs to submit Form 60 along with the one of the following OVDs (Officially Valid Documents)
  • Passport
  • Voter ID card
  • Driving licence
  • NREGA (National Rural Employment Guarantee Act)
  • Letter issued by National Population Register containing details of name and address

• Residence Proof:
  • Any of the valid KYC documents
  • Utility bill (not more than 60 days old)

For Terms and Conditions, please contact the nearest Jana Small Finance Bank branch.

Service Charges & Fees       

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

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

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

Deposit of 3 crore & above is designed especially for HNIs, Corporates, SSO, and Government Institutions, to park their surplus funds and enjoy attractive returns on their high-value deposits. This special category has a minimum deposit value of INR 3 crore.

Key Benefits

FEATURES	BENEFITS
Attractive Interest Rates	Please click here for the interest rates.
Minimum Deposit Value	INR 3 crore
Minimum Tenure	7 days

For interest rates on deposit of INR 3 Crore & above, please contact the nearest branch of Jana Small Finance Bank.

Eligibility Criteria

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

How to Apply

• Visit the nearest branch of Jana Small Finance Bank, and meet our Relationship Manager to understand 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 list of KYC documents required to open an Account.

Terms & Conditions

Jana Small Finance Bank’s Recurring Deposit is a term deposit designed to help you make financial provisions for future. It allows you to deposit a fixed amount every month and earn high returns, at rates that are applicable to fixed deposits. This investment is an ideal one for customers with regular incomes.

Key Benefits

FEATURES	BENEFITS
Attractive Interest Rates	Get best-in-class Interest Rates of 8.25% on your Deposit Account Earn more attractive interest rates than Savings Account 0.50% extra rate of interest for senior citizens
Low Deposit Amounts	Start depositing with an amount as low as INR 100 per month
Premature Withdrawal Facility	No penalty on Premature withdrawal
Mobile Banking App	Transact conveniently through our Mobile Banking App

Eligibility Criteria

Existing Jana Small Finance Bank customers with a Current Account or Savings Account can apply for Recurring Deposit Account provided they have one if the following types of ownerships:

• Individual
• Minor
• Proprietorship
• HUF

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 list of KYC documents required to open an Account. This is applicable to customers who do not have any other account with Jana Small Finance Bank.

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

Jana Small Finance Bank's Regular Fixed Deposit ensures that your earnings grow steadily and effortlessly. Its key features like attractive interest rates and multiple interest payout options make it the ideal investment for your hard-earned money. For detailed FAQs on DICGC Insurance, Click here - https://www.dicgc.org.in/FD_FAQs.html

Key Benefits

FEATURES	BENEFITS
Attractive Interest Rates	Get best-in-class Interest Rates Earn more attractive interest rates than Savings Account Please click here for the interest rates.
Low Deposit Amounts	Start depositing with an amount as low as INR 1,000
Mobile Banking App	Transact conveniently through our Mobile Banking App
Cumulative and Non-Cumulative (Monthly / Quarterly / Half-Yearly / Yearly Payout Options)	Freedom to choose the Interest pay-out option

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 less than INR 3 Crore.

3. For interest rates on deposits of INR 3 Crore & above, please contact the nearest branch of Jana Small Finance Bank.

4. 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:

    -Fixed Deposit less than INR 300 Lakhs – 1%

    -Fixed Deposits greater than or equal to INR 300 Lakhs – 1%

5. 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.
• Following are the types of customers who can open fixed deposit accounts: Individuals, Minors, Proprietorship, HUF (Hindu Undivided Family), Registered and Unregistered Body, Cooperative Society, Trusts, Partnerships, NGO and, Private Limited.

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 list of KYC documents required to open an Account.

Frequently Asked Questions    |   Terms & Conditions

Regular Current Account by Jana Small Finance Bank is designed to help businesses manage their daily entrepreneurial transactions at all stages of growth. It provides hassle-free and low cost cash handling on a daily basis, along with convenient services like 24-hour Phone Banking, Net Banking and Mobile Banking.

Key Benefits

FEATURES	BENEFITS
Average Quarterly Balance	INR 5,000
Unlimited Cash Withdrawals	Unlimited cash withdrawal with no cap on amount and number of transactions
Flexi FD	Flexi FD will be created with auto sweep in & sweep out facility, to help you earn higher interest rate on your idle money as per FD card rate

Eligibility Criteria

Businesses that fall under any of the following categories are eligible to operate this account:

• Public Limited Company
• Private Limited Company
• Partnership Limited Company
• Sole Proprietorship

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 list of KYC documents required to open an Account. This is applicable to customers who do not have any other account with Jana Small Finance Bank.

Service Charges & Fees   |    Terms & Conditions

Digital Banking is now made easier with Jana Small Finance Bank's Mobile Banking application. The app, available on PlayStore and AppStore, allows customers to access their bank account anytime, anywhere. Enjoy the mobility of banking with smart, fast, secure and easy application, right at your fingertips.

With the convenience of 24/7 banking on the go, smartphone users can check account balances, view account summary, transfer money and much more, without the need of physically visiting the bank branch.

Security at its best, where transaction rights are given through Debit Card registration and all the financial transactions are dual factor authenticated through OTP. Login available through Fingerprint or Facial Recognition. All the sensitive data is protected in transition through encryption.

Get 360-degree view of all your relationship with Jana Small Finance Bank by downloading and installing the Mobile App on your smart phone. Follow these simple steps: Go to Google Play Store/ App Store and search for the “Jana Bank Mobile Banking” App. Download the app and install it on your smartphone. Ensure that your Debit Card details are readily available with you for self-registration.

Key App Features

Module	Features
Fund Transfer	Within Jana Bank Account Own Linked Accounts Other Bank Account Through IMPS-IFSC Code Other Bank Account Through NEFT Other Bank Account Through RTGS One Time Pay, upto Rs.1,00,000 without adding beneficiary
Deposits	Snapshot Open /Close FD Open/Close RD FD Advice
Transaction History and Statement	Generate Mini Statement Generate Detailed Statement Email Statement Download Statement in PDF and Excel
Service Request	Raise Request for Cheque Book Stop issued cheque Request for change in Email ID Positive Pay
Debit Card Management	Manage International Transactions and Limits Manage Domestic Card Limits Temporary Block/ Unblock Debit Card Permanent Block Debit Card Generate/Set Debit Card PIN (Green PIN)
Bill Payment	Electricity Bill Water Bill FASTag Credit Card Bill
Other Payments	GST Payment
Loan Management	View Loan Details Generate Statement of Account Pay EMI Generate Repayment Schedule

Please connect with your nearest branch to increase your daily transaction limit through Mobile Banking.

To know more about security information for Jana Small Finance Bank Mobile Application, click here.

FAQ    |   Terms & Conditions    |    Card Limit

Grievance

Before you submit your request, please go through our Grievance Redressal policy.

Level 1 Level 2 Level 3

    

Click to Submit your request

Are you an existing customer Yes No

"I authorize Jana Small Finance Bank representative to call/SMS with regards to this request. This consent overrides my registration for DNC/NDNC. T&C"

Submit

    

Drop an email to customercare@janabank.com

    

Call us on Banking Toll Free Number: 1800 2080 (8 a.m. to 8 p.m.) OR
MFI Toll Free Number: 1800 4200 (7 a.m. to 10 p.m.)

    

Visit us at our Branch. Locate nearest branch

    

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

    

In case you do not receive a satisfactory response at Level 1 within 7 working days, please Click here

"I authorize Jana Small Finance Bank representative to call/SMS with regards to this request. This consent overrides my registration for DNC/NDNC. T&C"

Submit

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.: 7348868060

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, please write to the Banking Ombudsman

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You received this email because you are registered on janabank.com. To unsubscribe, please click here. © Jana Small Finance Bank Limited, No. 29, Union Street, Off Infantry Road, Cubbon Park Road, Bengaluru – 560001.

Are you committed, consistent and self-motivated? Do you believe in teamwork and aim for success whatever the odds may be? If yes, then you have it in you to become a Jana Bankable player! Share your resume with us at careers@janabank.com and mention the Job Role in the subject line for the role you wish to explore.

Jana Small Finance Bank, Chief Executive Officer Ajay Kanwal shares his vision for the bank and what this means for JanaNayaks (employees of Jana). In his first address, Ajay outlines the priorities for the small finance bank and the way forward for 2018.

The Jana Anthem was released last year at the nation-wide Jai JanaNayak (roadshow event). The anthem sung by JanaNayaks who were selected through an internal contest, reflects the spirit of the organization.

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Jana is a proud recipient of ‘India’s Distinctive Goodwill Brands Award’ for the year 2017. The organisation, which recently received licence to operate as a Small Finance Bank has won the award in the Integrated Financial Services Category

Bangalore, 20th July 2017: Janalakshmi Financial Services (JFS), India’s largest Microfinance Company, is a proud recipient of ‘India’s Distinctive Goodwill Brands Award’ for the year 2017. The organisation, which recently received licence to operate as a Small Finance Bank has won the award in the Integrated Financial Services Category. Some of the past winners of this award include LIC, HDFC, Shriram Capital, Edelweiss, ICICI, SBI, Aspire Home Finance, Kotak and many other leading financial institutions.

The award, organised by Herald Global – ERTC Media under the banner ‘Thought Leadership Symposium Champion of Change’, was received by Janalakshmi at Hotel Sahara Star, Mumbai. Mrs. Chaity Sen, Publishing Director, Herald Global – ERTC Media and Dalip Tahil, Veteran Indian Film Actor presented the award to Janalakshmi Financial Services.

Goodwill Brands 2017 is a listing of the brands that have created a significant impact on their consumers in terms of loyalty, trust, reliability, and image at a faster pace over the last few years.

Commenting on the award received, Mr. Puneet Narang, CMO, Janalakshmi Financial Services, said, “This award is not only a great honour to be associated with, but also a testimony to the legacy of brand JFS that has been built over a decade of hard work and dedication by every JanaNayak, as we refer to our employees. It has also come at a time when we are transitioning into a Small Finance bank and are looking forward to taking this bequest to the next level by fulfilling our vision of making financial inclusion for every Indian a reality.”

JFS was shortlisted among 500 applicants across India after three phases of research. The first phase of research comprised of the secondary research by evaluating the industry reports, market surveys and brand reports and any other available source of the industry information. The second phase shortlisted contestants through an in-depth primary survey conducted among the target audience through parameters such as Trust, Image, Sustainability, Goodwill etc. The Final Phase involved the scrutiny by jury members and editorial team. Recipients of India’s Distinctive Goodwill Brands Awards were acknowledged in 25 categories for doing extremely well in their respective categories.

Recently, JFS also won an award in the category of ‘Best Financial Sector Transaction’ by ADB Private sector-CNBC awards.

About Janalakshmi Financial Services Janalakshmi Financial Services (JFS) recently received operating licence to set-up a small finance bank. JFS is the largest Micro Finance Institution (MFI) in India. JFS gave out its first loan in October 2000, and currently serves over 5 million families across 259 cities in India. It has over 16,000 employees, referred to as JanaNayaks. JFS has deep domain expertise in banking and financial services with over 500 years of consolidated banking sector expertise, just among the senior management. It is an organization that is recognized globally as one of the world’s innovative financial institutions working on the problem of financial inclusion.

JFS is promoted by Jana foundation, which is an urban inclusion think tank based in Bangalore with a vision to transform urban India where financial inclusion and enhanced quality of life are assured to all those who aspire to help themselves.

The Foundation undertakes various activities that deepen understanding of financial inclusion and its many challenges. It addresses policy issues through its financial advisory services; education, skilling, livelihood initiatives, community connect activities in order to help customers to improve the quality of their lives and help them meet customer needs comprehensively.

In March 2016, JFS was recognised and awarded as the ‘Best Financial Services firm in India’ by VC Circle. In 2017, JFS was also featured in ‘Fortune – The Top 500’ largest corporations in India. Recently, JFS was awarded for Best Financial Sector Transaction at the ADB Private Sector-CNBC awards.

About Goodwill Brands Awards
India’s distinctive goodwill brands implicates the most adorned and innovative, brands with great benevolence that exhibits trust and loyalty at a faster pace over the past few years. India’s Distinctive Goodwill Brands is a listing of the brands that have been able to create a huge impact on the minds of consumer in terms of loyalty, trust, reliability, and image. It is a listing of the brands that have succeeded to create an emotional bond with the customers and are rewarded with opportunity to deepen their brand message and their relationship with the target audience.

About ERTC Media
We are one of India’s leading independent research & brand listing company. Our team of fieldwork experts pride themselves on making sure that your b2b or b2c brand findings projects are done with highest possible efficiency and to the highest standard. We use multiple resources to ensure that you find your specified target group for various methodologies. We generate a very credible research report to help clients achieve competitive brand, product and customer experience strategies. The team at ERTC have a wealth of knowledge and experience of the brand research & listing industry, which has been instrumental in achieving a credible listing of brands who range from large blue chip companies, mid-size companies to SMEs. We encompass qualitative and quantitative research methodology and have a team of qualified personnels who can source all types of respondents for a particular research, from general consumers to dealers and retailers.

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THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED.

This website is the sole property of Jana Small Finance Bank. The information contained in this site is for general guidance on matters of interest only. Jana Small Finance Bank and its associated websites provide information based on sources believed to be accurate and reliable. Users are responsible for seeking the advice of professionals, as appropriate, regarding the information, opinions, advice or content available herein. In no event shall Jana Small Finance Bank or its founders or anyone else associated with them be liable.

Unless otherwise noted, the servicemarks, graphic images, buttons, layout, and text contained in this web site are the exclusive property of Jana Small Finance Bank and/or their affiliates and may not be distributed, copied, reproduced, imitated, displayed on the Internet in readable text or embedded in hidden text (metatags), or used in any other fashion, in whole or in part, without the express written consent of Jana Small Finance Bank and/or their affiliates.

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