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Registered office

Jana Small Finance Bank Limited
The Fairway Business Park, First Floor,
Survey No.10/1, 11/2 & 12/2B,
Off Domlur, Koramangala Inner Ring Road,
Next to EGL Business Park Challaghatta,
Bengaluru – 560071

Customer Care Banking Toll-free No.: 1800 2080 (24x7)
Email: customercare@janabank.com
Registered Office No.: 080-46020100
MFI Toll Free: 1800 4200

Contact Details for NEFT/RTGS queries

Toll-Free No.: 18002080

Email: customercare@janabank.com

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Grievance.redressal@janabank.com

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nodal.officer@janabank.com

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investor.grievance@janabank.com

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Shreyasee Sen, Adfactors PR for Jana SFB at
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Careers
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Financial Resolutions for 2017

Ultimately, the motive of opting for a financial resolution is empowering your money, to empower you!

Regardless of what goal you choose, a simple resolution can get you there. It has the potential to put you in control of your money and also allows you to dictate its direction – provided you religiously follow it!

To begin with – identify what you want your money to do for you? Only when that is clear, go ahead.

Saving
If Saving is your intention for the year 2017; be it for a rainy day, a down payment, a dream trip, your child’s education or anything else, you can easily make it happen!
Begin by automating your savings. It’s really hard to do a 'saving' transfer on your own. Automated savings force you to follow through because the cash is drawn directly from your bank before you can get your hands on it.
And if you have just begun with Savings, then you must also remember to create an "Emergency Fund" as well. You never know when a crisis can strike – the money that you put away as savings can save you in good and the bad times.

Paying off debt
To begin with – not all debts are equal. Make a list of all your liabilities, organize them by the annual interest rate, and those with the highest rates (most likely your credit card debt) should be paid off immediately. If you’re paying 19% or 20% in interest each year, your investments could turn out to be a futile effort, because such expenses end up chewing up the profits you make.
Another thing to consider is to stop piling on to existing debt and start living within means. How? By setting a realistic budget for yourself, keeping in mind your income and expenses! And sticking to it.
And finally, as with savings, you could automate those debt payments as well!

Spending Less
Here’s the trick – first, keeping in mind your income and expenses, define what a bigger purchase is. Step 2, whenever you go out to shop, if a situation arises where you need to make a bigger purchase, give yourself at least a 24-hour waiting period, to make the decision. Also ask yourself what you’re giving up in return of this purchase. How important is it for you? Whether you really need it or want it?

Bonus Resolution: Earning More
When we talk about improving finances, it is a human tendency to turn to 'rigour' measures like paying off debt or spending less. What people rarely consider is - making more money. When in fact, this should top the list.
So you could figure out ways to enhance your earnings - either by putting your time to better use or by putting your money where it would earn you more.

Whatever the case– always remember, all of your financial dreams are achievable; the trick is to set your sights on a goal, and have the “resolution” to see it through.

So what’s your resolution for 2017?

3 Finance Lessons to Learn from Grandparents

Most of us would relate to the fact that our grandparents (for some, even parents) had enough stories to tell. Stories of how they survived the financially tough times of their life. These wise and valuable lessons taught us the importance of valuing money.

Here are some worthwhile lessons from yesteryears that could come handy to us and our generation next…

Live within means and save for emergency
Having lived through some very difficult times, our grandparents very well understood the pain of not having money when you needed it the most, and had invented the idea of ‘Emergency funds’ for a reason. They always made sure to place some share of the income aside - 'just in case'.
So if we are 'living a champagne lifestyle on a lemonade budget’, it is time we stopped, and got into the habit of regular savings like our grandparents, and invest in the right opportunities. This also includes putting aside some money for emergencies.

Be patient
Investing requires patience, more than you think! Although a rare virtue today, but when our grandparents initiated an investment, they never ever thought about withdrawing. They stood patiently as their wealth continued to reach to its handsome maturity proceeds.
Today, with people actively investing in SIPs, Mutual Funds, etc., this advice holds even greater relevance. The lesson to remember here is, never break your investments unless absolutely necessary; and while investing in a volatile market, stay committed to see the investment through the worst times.

Add new debt only when you can afford it
With banks competing with each other to attract more and more business, taking a loan has become easy and quicker than ever. In no time, the money is sitting in your account. What we tend to forget is that if our EMIs eat up too much from our earnings, critical financial goals like retirement planning, kids education, investments, could take a hit.
The lesson here is to avoid unnecessary debts. Never take a loan impulsively, just because it is available easily. Take the ones that you have planned for and can easily repay.

Remember to act on the money lessons you would wish to pass along to your grandchildren!

Help your Money make more Money

Saving money is not enough. Invest your way to greater wealth.

It's been a while since the savings-minded India started exhibiting a change in trend. As opposed to earlier, when 'saving' just meant being penny-wise, and 'savings' was referred when money was literally saved; people were now realizing that safe-keeping the savings at home wasn’t really the safest or the smartest thing to do.

As more-and-more people got educated about investments, Indian audience gradually expanded its horizon of Investments. They now understood that –– Saving & Investing, go hand-in-hand, and to be able to invest, you need to first start saving.

So how should one really go about investing?

The omnipotent mantra is – Diversification!
While investing - always diversify your funds into multiple options, to make the most of your investment corpus, while keeping the risks at a minimum.

Here's a list of some of the most popular investment options…

Fixed Deposits
A secure investment that earns you anything between 6% and 8.25%! If you don't wish to lock away your funds for a long duration, try the 'Laddering' approach. Laddering helps spread the investment amount across different maturities and provides liquidity to funds. Each "rung" of the ladder is an FD of a specific maturity date, and the "height" of the ladder is the difference between the shortest and the longest maturity FD.

PPF
The Public Provident Fund (PPF) that currently offers 8.1%, is a preferred instrument for planning and achieving long-term goals. In the last few years, besides other nationalized banks, private banks have also started offering this service. You also get to enjoy tax-free interest and withdrawals, and tax-deductible investments.

National Pension Scheme
The interest rates depend on the scheme chosen and vary every financial year. NPS is promoted by the Government of India and is considered to be among the best retirement plans in India. It not only offers great returns on investment but also comes with a lot of flexibilities that help in choosing the investment options.

Post Office Saving Schemes
This is said to be one of the oldest way to invest your money and enjoy guaranteed returns with the least amount of risk. The offerings include RDs, Time Deposits, Monthly Income Schemes, National Savings Certificates, Kisan Vikas Patra, and Sukanya Samriddhi Accounts.

Other than these, here's a list of some of the investment options that fall outside the safety net of guaranteed returns…

Mutual Funds
Two popular funds here are – Debt & Equity! Debt Mutual Funds mainly invest in a mix of debt or fixed income securities such as Government Securities, Corporate Bonds, etc., while Equity Funds typically invest in stocks of companies. For beginners, it will be a good idea to start off with an SIP (Systematic Investment Plan) of a small amount and gradually increase the investment.

Direct Equity
This refers to a direct investment in a business enterprise, in against for equity in the enterprise. The returns from equity have been more rewarding than all other asset class. But direct equity investing is also considered to be a risky proposition. So it is advised to get involved only after doing the necessary research about the company’s background, user base, returns over the years, and any other information that you can find.

Real Estate Investments
In a country like India, where land is limited and the population is booming, owning a property is a dream for the most. But when you do invest in real estate, make sure to look for a location that is developing or is developed, or else, it would take a lot of time before you’d be able to monetize your investment.

That said - before you make your choice, do ask “yourself” these questions...

What is my objective - is it Short term or Long term?

What is the quantum of risk that I am willing to take?

What is the duration of my Investment?

What kind of returns am I expecting?

Once you have your answers – go ahead, invest and reap rich returns!

Happy Saving. Happy Investing!

Jana Stories

Jana Stories

The desire to lead a meaningful and happy life, find success in all endeavours, create wealth, and prosper, lies deep within every person. All you need is an enabling environment or framework, where opportunities are offered to nurture hidden potential and encourage people to script their own success stories!

Jana helps by creating that enabling environment to bring these dreams to life.

Explore inspiring customer stories

Chukki Devi
Chukki Devi's decision to support her family after her husband's sudden illness changed the lives of many. With the help of her son, she accessed the bank's special loan facility and carved her way into a successful business.

Fulmani Kachap
Before Fulmani Kachap got her auto driver's license, she struggled with everyday expenses. Today, she not only runs her household with her earnings but has also gained respect among her peers for her determination and hard work.

Ruchita Vishwasrao
A timely loan helped Ruchita Vishwasrao start a homemade food business with her friends. After her husband's health took an unexpected turn, Ruchita struggled with the medical expenses and the daily provisions for her daughter. Today, her business nourishes the lives of many.

Pushpa
Pushpa used to deliver home cooked food and stitch clothes to support her family. With an individual loan, she has expanded her garment business and her family now lives a comfortable life.

Jamuna Kadam
Jamuna Kadam beat the odds of ill health and an alcoholic husband to independently provide for her kids' education. Her perseverance and strength is truly inspirational.

Varsha
Varsha turned her joy of cooking into a small business. Today she takes great pride in her being self reliant and financially independent.

Bilkish Bibi
Bilkish Bibi worked in an advocate’s office after her husband’s death and is now a crusader for women’s rights.

Investor Details

We are committed to our investors and stakeholders who contribute to the growth, development and success of Jana Small Finance Bank.

The promoters of Jana Small Finance Bank Limited are Jana Capital Limited(which is held by Jana Urban Foundation and other investors) and Jana Holdings Limited. Jana Urban Foundation, previously known as Janalakshmi Social Services, is a Section-8 not-for-profit company registered in June 2006.The Foundation is an urban inclusion think tank based in Bengaluru 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 strives to understand the world of urban excluded households and incubates viable and scalable social business models that are central to inclusion. The Foundation’s activities comprise of Research & Policy Initiatives and Corporate Social Responsibility.

Bajaj Allianz Life Insurance Company Limited (“Bajaj Allianz Life”) offers competitive products and customised life insurance solutions for goal based planning, that have led Bajaj Allianz Life to earn customer's trust and market leadership. Currently, Bajaj Allianz Life has a strong life insurance portfolio and caters to all kinds of customer life goals with ULIPs and Child plans, from group insurance to health insurance.
Bajaj Allianz General Insurance Company Limited (“Bajaj Allianz General”) has been known as an industry leader for its customer-centric products and solutions, which truly offer value far and beyond protection. Bajaj Allianz General continues to be one of the most profitable and financially robust insurers in the industry by maintaining its growth as well as profitability.

Enam Holdings is a privately managed principal investment group with a 30-year heritage of investing in the Indian capital markets. Enam Shares & Securities Ltd was founded in 1984 to provide knowledge-driven financial services. Enam makes long-term investments in listed companies, as well as backs entrepreneurs building valuable private companies.

GAWA Capital Partners was founded in 2009 in Madrid. GAWA Capital is an impact investing company that supports social entrepreneurs in underserved and low-income markets. The GAWA Capital team and its board members are experienced investment professionals, specialists in emerging markets, lawyers and academicians who share a passion for impact investing and the mission of building an asset management company that stays at the crossroads between capitalism and social impact.

HarbourVest is an independent, global private markets investment specialist with more than 35 years of experience and more than $45 billion in assets under management. The Firm’s powerful global platform offers clients investment opportunities through primary fund investments, secondary investments, and direct co-investments in commingled funds or separately managed accounts. HarbourVest has more than 400 employees, including more than 100 investment professionals across Asia, Europe, and the Americas. This global team has committed more than $32 billion to newly formed funds, completed over $18 billion in secondary purchases, and invested over $7 billion directly in operating companies. Partnering with HarbourVest, clients have access to customised solutions, longstanding relationships, actionable insights, and proven results.

Founded by the late Qimat Rai Gupta, and currently led by Anil Rai Gupta, QRG is the promoter of Havells India, a leading fast moving electrical goods (FMEG) company and a major power-distribution equipment manufacturer with a strong global footprint. Rising from humble beginnings, Qimat Rai Gupta was an inspiring and instrumental catalyst behind Havells’ transformation from a commoditised and regional electrical company to a branded global consumer product organisation. His belief in people empowerment continues to guide Havells in its future growth trajectory.

ICICI Lombard General Insurance Ltd. (ICICI Lombard) is the largest private-sector non-life insurer in India based on gross direct premium income in FY, (financial year) 2017, a position it has maintained since FY 2004 after being one of the first few private-sector companies to commence operations in the sector in FY 2002, according to the CRISIL Report. ICICI Lombard offers its customers a comprehensive and well-diversified range of products, including motor, health, crop/weather, fire, personal accident, marine, engineering and liability insurance, through multiple distribution channels. ICICI Lombard was founded as a joint venture between ICICI Bank Limited and Fairfax Financial Holdings Limited. ICICI Bank Limited is India’s largest private-sector bank in terms of consolidated total assets with an asset base of 9.9 trillion as on March 31, 2017. Fairfax Financial Holdings Limited is a Canadian based holding company, which through its subsidiaries, is engaged in property and casualty insurance and reinsurance, and investment management with US$43.38 billion of total assets as on December 31, 2016.

Morgan Stanley Private Equity Asia (MSPEA) is one of the leading private equity investors in Asia-Pacific, having invested in the region for over 20 years. MSPEA invests primarily in highly structured minority investments and control buyouts in growth-oriented companies. Senior professionals with extensive industry relationships, in-depth market knowledge and the ability to apply international investment principles within each local context lead the experienced investment team. MSPEA has offices in Hong Kong, Beijing, Shanghai, Seoul, Tokyo, Mumbai and New York, and leverages the brand and unparalleled global network of Morgan Stanley.

Tata Capital Growth Fund (TCGF) is a private equity fund that manages third party capital raised from investors globally. The Fund targets private equity growth-capital investments in companies that derive a substantial portion of their revenue from operations in India. TCGF targets investments around the following four themes: urbanisation, discrete manufacturing, services that are strategic to value chain, and growth opportunities. The Fund’s investment strategy is to provide entrepreneurs in India with value enhancing benefits through operational involvement as against silent capital.

The Rohatyn Group (TRG) was earlier part of CVCI Private Equity, which was formed in 2001 to manage Citigroup’s emerging markets’ private equity portfolio; it operated as a business unit within the Citi Capital Advisors group. In February 2012, the business was sold to TRG. Founded by Nicolas Rohatyn in 2002, TRG is an investment manager focused exclusively on emerging markets. The firm has a long history of investing in private markets and deploying capital in the space across private equity (control and non-control), distressed corporate bonds, direct corporate loans, real estate and publicly listed small capitalisation equities since 2004.

TPG is a leading global private investment firm founded in 1992. TPG now has over $79 billion under management with investment and operational teams in 16 offices around the world and offices in San Francisco, Fort Worth, New York, Austin, Houston, Beijing, Hong Kong, London, Luxembourg, Melbourne, Moscow, Mumbai, etc. TPG has extensive experience with global public and private investments executed through leveraged buyouts, recapitalisations, spinouts, growth investments, joint ventures and restructurings.

Treeline Investment Management is a private equity firm established in 2006 with two subsidiaries in Hong Kong and Singapore. It has nine investment professionals throughout Asia-Pacific, each with at least 10 years of investment experience. The group focuses on identifying strong growth opportunities in the Asia-Pacific region for medium and long-term investment. Tree Line Advisors (Hong Kong) Limited is licensed by the Securities and Futures Commission in Hong Kong to conduct the regulated activity of asset management for professional investors.

Management Team

Ajay Kanwal

MD & CEO

Ajay Kanwal

MD & CEO

Ajay Kanwal is Jana Small Finance Bank's Chief Executive Officer. He is a veteran consumer and commercial banker with 35 years’ experience in the banking industry. Ajay was Regional CEO of ASEAN & South Asia at Standard Chartered Bank before joining Jana Small Finance Bank as CEO in 2017. He also had a short stint as Senior Advisor at TPG and Mastercard. He began his career with Citibank and has held various leadership positions throughout his banking career at Standard Chartered, including CEO of Taiwan, Regional CEO for North East Asia, and Regional Head of Consumer Banking for South East Asia.

Ajay has served on the board of several companies, including as Chairman of the Board of Standard Chartered Bank (Singapore) Ltd., Director of Standard Chartered Bank (China) Ltd. and Standard Chartered Bank (Korea) Ltd. and Commissioner of PT Bank Permata, among others.

Krishnan Subramania Raman

Executive Director and Chief Credit & Collections Officer

Krishnan Subramania Raman

Executive Director and Chief Credit & Collections Officer

Krishnan Subramania Raman is Jana Small Finance Bank's Executive Director and Chief Credit & Collections Officer. Raman is responsible for quality of credit origination, credit training, automation of credit processes and NPA management.
Raman joined Jana in December 2017 as Chief Risk Officer and has been instrumental in establishing a robust Risk Management framework. Raman brings in over 35 years’ banking experience from India, Singapore, Indonesia and the UAE. Just prior to joining Jana, he had senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.
Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India

Amit Raj Bakshi

Chief Human Resources Officer

Amit Raj Bakshi

Chief Human Resources Officer

Amit Raj Bakshi is Jana Small Finance Bank’s Chief Human Resources Officer.

Amit has over 20 years’ experience in Banking, FMCG, ITES and Telecom sector, with expertise in Talent Acquisition & Management, HR Policies & Governance, Compensation & Benefits, Strategic Workforce Planning and HR Technology.

Prior to joining Jana, he has worked with Axis Bank, JP Morgan & Chase, Telenor, DBS Bank, Genpact, and Wrigleys.

Amit holds an MBA from Institute of Marketing & Management and has earned professional certifications in HR from London Business School, UK and XLRI Jamshedpur.

Ashish Gopal Saxena

Chief Information & Digital Officer

Ashish Gopal Saxena

Chief Information & Digital Officer

Ashish Gopal Saxena is the Chief Information & Digital Officer at Jana Small Finance Bank. As the CIO of the Bank, Ashish is responsible for managing the IT Strategy, creating business value using Information and communication technology and providing the best in class IT enabled DIGITAL solutions to Bank’s customers.
Ashish has 22 years of experience in technology functions to design, deliver and implement high-performance solutions. Ashish’s experience includes AU Small Finance Bank where he was responsible for setting up the Bank’s technology set up. Ashish has also held various senior positions in reputed organizations such as UGRO Capital Ltd, Aviva Life insurance, Max New York Life and TCS.
Ashish has a Bachelor’s degree in Electronics Engineering from IET, Lucknow.

Abhilash Sandur

Chief Financial Officer

Abhilash Sandur

Chief Financial Officer

Abhilash Sandur is the Chief Financial Officer at Jana Small Finance Bank. Abhilash is a qualified Chartered Accountant and has done his Masters in Commerce from Bangalore University. Abhilash has over 15 years of experience with last 6 years in Jana Small Finance Bank. He has extensive experience in multiple in Finance areas including Controllership, Business Planning and Analytics, Cost Controls, Business Finance, Process Re-Engineering, and Balance sheet controls. Prior to joining Jana, Abhilash has worked at ING Vysya Bank, Kotak Mahindra Bank and Bharti Axa General Insurance.

Chitra Menon

Chief Compliance Officer

Chitra Menon

Chief Compliance Officer

Chitra Menon is Jana Small Finance Bank’s Chief Compliance Officer.

Chitra has over 26 years of Banking experience across Operations, Retail Branch Banking, Risk Management, Process Re-engineering, Service quality and Internal Controls.

Prior to joining Jana Bank , Chitra worked with ICICI Bank and HDFC Bank in various roles .Chitra holds a Bachelor’s Degree in Commerce from Delhi University and a Diploma in Business Management from IGNOU. She is also a certified Six Sigma Green Belt.

Gopal Tripathi

Head - Treasury and Capital Markets

Gopal Tripathi

Head - Treasury and Capital Markets

As Head of Treasury and Capital Markets, Gopal Tripathi is responsible for all regulatory obligations for Jana Small Finance Bank. He is also responsible for managing adequate capital and funding for the organisation, asset liability profile and fund transfer pricing, investments and trading at the enterprise level.
Gopal joined JFS in July 2016 and was Head of the Interest Rate and Money Market business at RBS for six years prior to this. Gopal has 23 years’ experience in banking and treasury. He started his career in the treasury function with SBI, followed by HDFC Bank.
Gopal graduated from Patna University, Patna in 1994. He is a Junior Associate of the Indian Institute of Bankers and has a Diploma in Treasury, Integrated and Risk Management from Indian Institute of Banking & Finance.

Pradeep Rebello

Head - Two Wheeler Finance

Pradeep Rebello

Head - Two Wheeler Finance

Pradeep Rebello is the Head of Two Wheeler Finance business at Jana Small Finance Bank.

Pradeep brings with him over 23 years of experience in retail finance industry and specializes in two wheeler finance. Prior to joining Jana Bank, Pradeep was with IDFC Bank and worked with TATA Capital Ltd, ICICI Bank Ltd, HDFC Bank and Centurion Bank.

Pradeep completed his MBA from JDC Bytco College, Nasik and his B.Com from Bhonsala Military College, Nasik.

Rincoo Vachha

Head – Affordable Housing Loan (AHL) and Micro Housing Loan (MHL)

Rincoo Vachha

Head – Affordable Housing Loan (AHL) and Micro Housing Loan (MHL)

Rincoo is the Head – Affordable Housing Loan (AHL) and Micro Housing Loan (MHL) and responsible for setting up and driving the Housing Finance business for Jana Small Finance Bank.
Rincoo comes with more than 21 years of experience, primarily in Home Loans at various leadership positions. He joined Jana Bank from ICICI Bank Ltd., where he was instrumental in setting up and growing business for ICICI Bank’s Home Finance subsidiary in tier II and tier III markets across the country. Rincoo started his career in Logistics industry and has also worked with CRISIL in the real estate ratings division.
He has completed his post graduate management degree in Marketing from Prin. L.N.Welingkar Institute of Management Development and Research (WeSchool), Mumbai University, and holds a Bachelor’s degree in Electronics.

Satish Ramachandran

Chief Risk Officer

Satish Ramachandran

Chief Risk Officer

Satish Ramachandran is the Chief Risk Officer for Jana Small Finance Bank. He has worked with leading financial institutions in India such as Citibank NA, Standard Chartered Bank and Fullerton India and comes with over 20 years of experience across credit policy, collections, underwriting and sales. Prior to joining Jana, he was heading new policy initiatives in Fullerton India and was instrumental in launching new products in Fullerton.
Satish has an engineering degree from BITS Pilani and a PGDM from IIM Lucknow.

Shrinivas Murty

President & Head – Branch Banking & Marketing

Shrinivas Murty

President & Head – Branch Banking & Marketing

Shrinivas Murty is President & Head – Branch Banking & Marketing at Jana Small Finance Bank.

Shrinivas has over 29 years of experience in Retail/SME/Agri/Micro-Finance Sales, Business & Product Development and, Service Operations. He has driven all aspects of Retail, TASC, Agri, SME, Micro-finance and Forex businesses both on liabilities and assets through Branch, Digital and Direct sales channels, having exposure in the diverse geographies of West, North, East, South and Central India.

Prior to joining Jana, Shrinivas was working with Ujjivan Small Finance Bank handling Liabilities portfolio, across products /programs and channels. Prior to Ujjivan he has worked with Bandhan Bank, HDFC Bank, and ICICI Bank.

Shrinivas holds a PGDBM from MDI Gurgaon, and Senior Research Fellowship from IIT Kanpur. He is an associate of Indian Institute of Bankers.

Sudhir Madhavan

Head, Retail Financial Services (Assets)

Sudhir Madhavan

Head, Retail Financial Services (Assets)

Sudhir Madhavan is the Head of Retail Financial Services (Assets). Sudhir joined Jana Small Finance Bank as Head of Collections.
He has 27 years of experience in Retail Banking. Prior to joining Jana, Sudhir worked as Chief Collections Officer for Bajaj Finance. He has also worked with organizations such as GE Money, Citibank, RBS and VP Bank.

Sumit Aggarwal

Head - MSE, Supply Chain & Financial Institutions

Sumit Aggarwal

Head - MSE, Supply Chain & Financial Institutions

Sumit Aggarwal is the Head of MSE, Supply Chain & Financial Institutions at Jana Small Finance Bank. He has 31 years of banking experience. Sumit has managed businesses in Asia, Middle East, Africa and Europe focusing on trade and investment flow within and across Countries and Regions. Prior to joining Jana Bank, Sumit has worked with Emirates National Bank of Dubai as Group Head of Transactional Banking Services. Before Emirates National Bank, he has worked with Standard Chartered Bank and ABN AMRO. Sumit has held various leadership positions in his career with Standard Chartered including Country Head of Transactional Banking in Singapore, Global Head of Commodities and Local Corporate Sales and Regional Head of Transaction Banking for South East & South Asia.

Sumit has done his MBA degree in Business Management from Institute of Management Technology (IMT), Ghaziabad’.

Lakshmi R N

Company Secretary and Compliance Officer

Lakshmi R N

Company Secretary and Compliance Officer

Lakshmi R N is the Company Secretary at Jana Small Finance Bank. She joined Jana in 2013 and was appointed Company Secretary in 2018. Lakshmi has 18 years of experience in secretarial functions and corporate governance. Prior to joining Jana, Lakshmi worked with ING Vysya Bank Limited, Firstapex Software Technologies Private Limited and Kirloskar Multimedia Limited.
Lakshmi holds a Bachelor’s degree in commerce from Bangalore University. She is an associate member of the Institute of Company Secretaries of India, New Delhi.

M Ramachandran

Head of Internal Audit

M Ramachandran

Head of Internal Audit

M Ramachandran is the Chief Audit Officer. at Jana Small Finance Bank. Ram has 41 years of experience in the Banking industry and has exposure to various areas of Risk Management, Audit & Compliance and Vigilance. Prior to joining Jana, Ram worked with HDFC Bank, Vijaya Bank and Corporation Bank in key leadership roles.
Ram holds a Master’s degree in Commerce from Delhi University, a Bachelor’s Degree in Law from Saurashtra University and Diploma in Business Management from All India Management Association.

Ganesh Nagarajan

Chief Operating Officer

Ganesh Nagarajan

Chief Operating Officer

Ganesh Nagarajan is Jana Small Finance Bank's Chief Operating Officer.

Ganesh has over 30 years of banking experience in setting-up and running Retail Operations Units, include Centralised Operations, Branch banking, Clearing, Trade, Currency Chest operations and Contact Centre. Prior to Jana, he was associated with Yes Bank as Group President & Head – Liabilities and Digital Banking & Wealth Management Operations. In the past, he has worked in Equitas Small Finance Bank, Kotak Mahindra Bank and IDBI Bank.

Ganesh holds a degree in M.Sc. Statistics from Madras Christian College.

Board of Directors

R. Ramaseshan

Part Time Chairman and Independent Director.

R. Ramaseshan

Part Time Chairman and Independent Director.

Mr. Ramaseshan has been associated with the bank w.e.f 08th February 2018 as an Independent Director.

He has an extensive experience in the Government as an officer of the IAS, and in the private sector as the Managing Director & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, equity & commodity derivative markets and agricultural markets.

He holds a Bachelor's degree in Engineering and a Master’s degree in Business Administration with specialization in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.

Ajay Kanwal

MD & CEO

Ajay Kanwal

MD & CEO

Ajay Kanwal is Jana Small Finance Bank's Chief Executive Officer. He is a veteran consumer and commercial banker with 35 years’ experience in the banking industry. Ajay was Regional CEO of ASEAN & South Asia at Standard Chartered Bank before joining Jana Small Finance Bank as CEO in 2017. He also had a short stint as Senior Advisor at TPG and Mastercard. He began his career with Citibank and has held various leadership positions throughout his banking career at Standard Chartered, including CEO of Taiwan, Regional CEO for North East Asia, and Regional Head of Consumer Banking for South East Asia.

Ajay has served on the board of several companies, including as Chairman of the Board of Standard Chartered Bank (Singapore) Ltd., Director of Standard Chartered Bank (China) Ltd. and Standard Chartered Bank (Korea) Ltd. and Commissioner of PT Bank Permata, among others.

Krishnan Subramania Raman

Executive Director

Krishnan Subramania Raman

Executive Director

Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.

Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.

Ramesh Ramanathan

Non-Independent and Non-Executive Director

Ramesh Ramanathan

Non-Independent and Non-Executive Director

The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.

Chitra Talwar

Independent Director

Chitra Talwar

Independent Director

Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.

Rahul Khosla

Non-Executive and Non-Independent Nominee Director

Rahul Khosla

Non-Executive and Non-Independent Nominee Director

Mr. Khosla is a seasoned top management executive with over 35 years of deep experience across diverse geographies, functions and roles in multiple domains - Consumer Banking, Payments, Healthcare, Life and Health Insurance. He has expertise in senior executive management skills and responsibilities, including in Chairman, President and CEO roles. He has a sophisticated understanding of business, organizational, governance and functional dimensions and has demonstrated his credentials as a leader of business growth, transformative development, quality performance, building organizational capabilities while managing a wide range of constituents across customers, employees, shareholders, boards and regulators.
Mr. Khosla is an Economics graduate and a qualified Chartered Accountant.

Dr. Subhash C. Khuntia

Independent Director

Dr. Subhash C. Khuntia

Independent Director

Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.

K. Srinivas Nayak

Independent Director

K. Srinivas Nayak

Independent Director

Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.

He is a Public Interest Director at National Commodity Clearing Limited.

Pammi Vijaya Kumar

Independent Director

Pammi Vijaya Kumar

Independent Director

Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.

Mr. Dinesh C Patwari

Independent Director

Mr. Dinesh C Patwari

Independent Director

Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.

Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.

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Committees of the Board 4

Audit and Compliance Committee
Mr. Dinesh C Patwari
Committee Chairman
Mr. Dinesh C Patwari
Committee Chairman
Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.
Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.
K. Srinivas Nayak
Committee Member
K. Srinivas Nayak
Committee Member
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.
Ramesh Ramanathan
Committee Member
Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.
Chitra Talwar
Committee Member
Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.
R. Ramaseshan
Committee Member
R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Charter of the committee
Nomination & Remuneration Committee
R. Ramaseshan
Committee Chairman
R. Ramaseshan
Committee Chairman
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Ramesh Ramanathan
Committee Member
Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.
Chitra Talwar
Committee Member
Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Rahul Khosla
Committee member
Rahul Khosla
Committee member
Mr. Khosla is a seasoned top management executive with over 35 years of deep experience across diverse geographies, functions and roles in multiple domains - Consumer Banking, Payments, Healthcare, Life and Health Insurance. He has expertise in senior executive management skills and responsibilities, including in Chairman, President and CEO roles. He has a sophisticated understanding of business, organizational, governance and functional dimensions and has demonstrated his credentials as a leader of business growth, transformative development, quality performance, building organizational capabilities while managing a wide range of constituents across customers, employees, shareholders, boards and regulators.
Mr. Khosla is an Economics graduate and a qualified Chartered Accountant.
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.
Charter of the committee
Risk Management Committee
Pammi Vijaya Kumar
Committee Chairman
Pammi Vijaya Kumar
Committee Chairman
Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.
Ajay Kanwal
Committee Member
Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.
R. Ramaseshan
Committee Member
R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.
Rahul Khosla
Committee Member
Rahul Khosla
Committee Member
Mr. Khosla is a seasoned top management executive with over 35 years of deep experience across diverse geographies, functions and roles in multiple domains - Consumer Banking, Payments, Healthcare, Life and Health Insurance. He has expertise in senior executive management skills and responsibilities, including in Chairman, President and CEO roles. He has a sophisticated understanding of business, organizational, governance and functional dimensions and has demonstrated his credentials as a leader of business growth, transformative development, quality performance, building organizational capabilities while managing a wide range of constituents across customers, employees, shareholders, boards and regulators.
Mr. Khosla is an Economics graduate and a qualified Chartered Accountant.
K. Srinivas Nayak
Committee Member
K. Srinivas Nayak
Committee Member
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.
Krishnan Subramania Raman
Committee Member
Krishnan Subramania Raman
Committee Member
Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.
Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.
Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.
Charter of the committee
Corporate Social Responsibility Committee
Chitra Talwar
Committee Chairperson
Chitra Talwar
Committee Chairperson
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Ajay Kanwal
Committee Member
Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.
Krishnan Subramania Raman
Committee Member
Krishnan Subramania Raman
Committee Member
Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.
Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.
Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.
Charter of the committee
Special Committee Of The Board for Monitoring and Follow up of Case of Frauds
Mr. Dinesh C Patwari
Committee Chairman
Mr. Dinesh C Patwari
Committee Chairman
Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.
Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.
Ajay Kanwal
Committee Member
Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.
R. Ramaseshan
Committee Member
R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.
Charter of the committee
Information Technology Strategy Committee
K. Srinivas Nayak
Committee Chairman
K. Srinivas Nayak
Committee Chairman
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.
Ajay Kanwal
Committee Member
Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.
Chitra Talwar
Committee Member
Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
R. Ramaseshan
Committee Member
R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.
Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.
Charter of the committee
Customer Service Committee
Chitra Talwar
Committee Chairperson
Chitra Talwar
Committee Chairperson
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Ajay Kanwal
Committee Member
Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia
Committee Member
Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.
K. Srinivas Nayak
Committee Member
K. Srinivas Nayak
Committee Member
Mr. Nayak has had career of over 30 years managing and leading Technology projects and services in Financial Services. He has built and led multi-location Technology teams to deliver technology solutions deployed globally. Mr. Nayak has handled global responsibilities for software development and infrastructure services delivering global programmes. More recently, he has served as the CTO for a UK based Reg-Tech start-up. Mr. Nayak holds a Bachelor's degree in Engineering.
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.
Charter of the committee
Credit Committee
Chitra Talwar
Committee Chairperson
Chitra Talwar
Committee Chairperson
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Ramesh Ramanathan
Committee Member
Ramesh Ramanathan
Committee Member
The Founder of Janalakshmi, Ramesh Ramanathan has a proven record of accomplishment in addressing the many issues faced by urban India. Ramesh has to his credit a strong international banking experience, creating innovative institutional products, working with cutting-edge technology and risk management systems. He holds an Honors degree in Physics from BITS Pilani, and an MBA from Yale University's School of Management. A co-author of the book "Urban Poverty Alleviation in India," he is a champion for the advocacy of poverty-related and public governance issues.
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar
Committee Member
Pammi Vijaya Kumar, who superannuated from the Reserve Bank of India, Mumbai, as Executive Director in May 2021, has 36 years of central banking experience with him. He is well conversant with Risk Based Supervision of banks and their governance, as also the efficacy of internal control mechanisms in banks and their risk management practices. He is sensitive to deposit insurance, financial inclusion, and rural development issues. He obtained his M.Phil. in Modern Indian History from the University of Hyderabad, Hyderabad, in 1984.
Charter of the committee
Willfull Defaulters Committee
Ajay Kanwal
Committee Chairman
Ajay Kanwal
Committee Chairman
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.
R. Ramaseshan
Committee Member
R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Chitra Talwar
Committee Member
Chitra Talwar
Committee Member
Chitra Talwar has over three decades of corporate experience in two leading consumer products companies, Britannia and PepsiCo. She worked in India and extensively in International markets ,based out of New York. Her functional expertise are in sales, marketing, strategy and general management. She has lead global teams to develop, implement and sustain sales best practices across international markets. Currently active in non profit areas on education and women & child safety, she also holds keen interest in start up space in Retail and Skill Development. She holds a BA in Economics from Madras University and an MBA from XLRI.
Charter of the committee
Stakeholders Relationship Committee
Dr. Subhash C. Khuntia
Committee Chairman
Dr. Subhash C. Khuntia
Committee Chairman
>Dr. Subhash C. Khuntia has had a career in Civil service spanning over 36 years as a member of the Indian Administrative Service. His latest assignment was as Chairman, Insurance Regulatory and Development Authority of India. He has been Chief Secretary, Government of Karnataka and before that he worked as Secretary (School Education and Literacy), Government of India in the Ministry of Human Resource Development.
In Government of Karnataka, he has served in various capacities in the Departments of Revenue, Personnel, Urban Development, Rural Development and as Principal Secretary, Public Works, Ports and Inland Waterways Department and as Secretary, Finance Department. In Government of India, he has served in Ministry of Finance, Ministry of Human Resource Development and Ministry of Petroleum & Natural Gas. He also served as Government nominee Director on the Boards of Indian Oil Corporation, ONGC and Hindustan Petroleum Corporation, and several PSUs of Karnataka State Government. He has been Chairman of the Boards of Bangalore International Airport Limited and Institute of Insurance and Risk Management.
Dr. Khuntia is an alumnus of Indian Institute of Technology, Kanpur from where he did his post-graduation in Computer Science and Physics. He is also an alumnus of London School of Economics from where he did his M.Sc. He has a Ph.D. in Economics and is also a Law Graduate.
Ajay Kanwal
Committee Member
Ajay Kanwal
Committee Member
Ajay Kanwal is a senior consumer and commercial banker with 32 years’ experience across Asia. He has held various leadership positions throughout his banking career and has a proven track record of planning and executing strategy to deliver P&L in a multicultural and volatile emerging market environment. Ajay has played a significant role in launching several strategic growth initiatives while building and managing diverse teams across geographies.
R. Ramaseshan
Committee Member
R. Ramaseshan
Committee Member
R. Ramaseshan has wide experience in the Government as an officer of the IAS and in the private sector as the MD & CEO of a commodity exchange. His predominant experience is in public finance, tax reforms, and equity and commodity markets. Passionate about creating a national market for agricultural produce to help farmers, he currently works with over six states to reform their agricultural market system. He holds a degree in engineering and a Master’s degree in Business Administration with specialisation in Finance. He is a fellow member of the Institute of Cost and Management Accountants of India.
Krishnan Subramania Raman
Committee Member
Krishnan Subramania Raman
Committee Member
Krishnan Subramania Raman has more than 35 years’ of banking experience from India, Singapore, Indonesia and the UAE, 5 of which have been in Jana. Just prior to joining Jana, he has held senior roles in Risk Management at Mashreq Bank, UAE, Standard Chartered Permata Bank, Indonesia (a Standard Chartered joint venture bank) and Dunia Finance, a Dubai-based company.
Raman is a Post Graduate in Business Management from the Indian Institute of Management, Calcutta. He is an Associate member of the Institute of Chartered Accountants of India and is a member of the Indian Institute of Bankers.
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari
Committee Member
Mr. Dinesh C Patwari is from Indian Revenue service (IRS 1986 batch). By qualification he is Mcom in accountancy and financial management besides completing course on treasury and Forex Management. Later, he had also completed MBA in public policy and management from IIM Ahmedabad. With these coupled with work experience He has professional qualification in Accountancy, finance, taxation and banking. He worked in Income-tax department for 36 years in different capacities starting from Asst. Commissioner, Joint/ Addl. Commissioner, Commissioner, Principal commissioner, Chief commissioner, DGIT (inv) and Principal CCIT in various places namely- Mumbai, Ahmedabad, Rajkot, Baroda, Jaipur, Chennai, Kochi and Bangalore. He superannuated from Bangalore as Pr. CCIT in July 2022. During his 36 years glorious service in Govt of India, He examined and investigated cases of many corporates, banks, NBFCs and diverse businesses. His expertise included analysis of annual reports and financial statements, examination of claims of bad debts and NPA provisions and capital market and derivatives transactions. He surpassed all targets and created new records in last 7 years of his service. With his best HR practices, his teams could produce outstanding results. He also authored a book on Futures and Options in an Indian perspective. He has been a speaker on many topics related to financial statement analysis, detection of financial frauds, capital market issues, assessment of banks etc.
Post 2022, he is a senior advisor to Dhruva Advisors, Tax consulting firm. He is also PID and non-executive chairman of The Metropolitan stock exchange of India Ltd after SEBI approval. He also leads webinars for ` on different topics related to tax, investigation, compliance, and enforcement actions.
Charter of the committee

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We are Jana Small Finance Bank and we are here to make the best of banking solutions available to the growing and aspiring India.

It will be a pleasure to have you along as we take small and steady steps towards building an empowered tomorrow.

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Press Release

Janalakshmi Financial Services receives ‘Operating Licence’ for small finance bank

Janalakshmi Financial Services (JFS), India’s largest microfinance organization, today announced the receipt of final licence from Reserve Bank of India (RBI) to set up Small Finance Bank.

April 29, 2017

Jasprit Bumrah gets awarded the Jana Bankable Player of the Series Award

It is our joy to recognize Jasprit Bumrah's winning spirit across all forms of play- batting, bowling, and fielding, and decorate him with the Jana Bankable Player of the Series Award.

February 01, 2017

Jana to award people's choice, 'Jana Bankable Player' title for upcoming cricket series

It is our joy to appreciate and highlight exceptional performance through the Jana Bankable Player award, which will be handed out to the most dependable player at the end of every match during the series.

September 20, 2016

Jana Signs With BCCI as Official Sponsor

We are glad to announce our role as the official financial services partner of the Indian Cricket Team. This gives us a boost in prominence through in stadium branding, and on-ground advertising.

September 19, 2016

Government clears FDI proposal of Janalakshmi Financial Services

We are delighted to have received approval for Foreign Direct Investment (FDI) of Janalakshmi Financial Services Ltd. This will set things in motion for us and help us extend our reach.

August 11, 2016

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Policies

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Dividend Distribution Policy

Records Retention and Maintenance Policy

JSFB Code of conduct Policy

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Statutory Auditors Appointment Policy

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Overview

About Jana Small Finance Bank:

Jana Small Finance Bank Limited (Jana Small Finance Bank) is the fourth largest Small Finance Bank, in terms of AUM and the fourth largest Small Finance Bank in terms of deposit size as of March 31, 2023. (Source: Fitch Report).

As at September 30, 2023, we had 771 banking outlets, including 278 banking outlets in unbanked rural centres, in 22 states and two union territories. We have served nearly 12 million customers since 2008, including 4.87 million active customers as at September 30, 2023.

Corporate Identity

We are Jana Small Finance Bank, and since inception, our sole purpose has been to make every Indian prosperous, bringing about a positive difference and improving the lives of the urban unserved!

We strive hard to undertake various activities to deepen the understanding of the various challenges to financial inclusion, addressing policy issues via education, skill development, community connectivity, and financial advisory initiatives, and so on.

Our values and vision, and our beliefs that drive Jana Small Finance Bank are reflected in our corporate identity as well.

OUR LOGO
The core elements of the logo of Jana Small Finance Bank are an adaptation of the Jana Group logo, and reflect what we stand for: Connecting People and Place, all 3 words being equally important.

Design:
The lines are an expression of each individual’s journey to find meaning and relevance in his or her life. The connections recognise the labyrinth of associations in our life and relate to place. The lower arm of the ‘J’ in the logo represents people, the upper arm of the ‘J’ represents place, and the lines of the ‘J’ represent both journeys as well as connections.

Colour Scheme:
‘Fuchsia’ is the colour of prosperity, abundance and empowerment. It is also a non-conformist colour representing the innovative nature of the bank as well as the group at large. ‘Turmeric’, is the colour of knowledge, sanctity and auspiciousness. It stands for a continuous quest for solving new problems and learning new ways of serving customers.

Together, these colours represent a sacred bond between the organisation and its stakeholders.

The logo also amplifies the Brand Promise of Jana Small Finance Bank, captured in the statement ‘Likho Apni Kahani’ or ‘Write Your Destiny’.

The logo is relevant to all the customer segments that the bank targets: the underserved, as well as those who are financially healthier. The lines also reflect the spirit of the company in another manner: no line can ever be drawn without effort and initiative by individuals, to walk their individual journeys or make the connections between people.

The lines are, therefore, visual extensions of the handwritten stories of real people impacted by the work of Jana Small Finance Bank, and of the networks of connections being enabled by Jana Small Finance Bank. Derived from stories and connections, they form the graphic element for all communication.

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

About Us

Our Story

Board of Directors

Management Committee

Media

Disclosures

Investor Relations

Awards & Recognition

Careers

RBI Certificate

ISO/IEC 27001 Certification

Rates & Charges

Interest Rates

Schedule of Charges

MCLR

Products & Services

Savings Account

Current Account

Deposits

Loans

Cards

Online Banking

Payments

Insurance

Safe Deposit Locker Facility

FD Calculator

Important Links

Grievance Redressal Mechanism

Grievance on Ex gratia Payment Scheme

Report Fraud/Raise Dispute

Frequently Asked Questions

Policies

Notice Board

Collection Agencies

BC Partner Details

Contribution to PM-CARES Fund

Regulatory Disclosures

Details of Regional Nodal Officer

MSME Disclosure

Guidelines and Forms for Claim Settlement of Deceased Depositors

Secured assets possessed under the SARFAESI Act, 2002

Information on Penal Charges for Loan Accounts

Indicative Document Checklist for Availing Credit Facilitates

Unclaimed Deposits

Financial Literacy Week

RBI Never asks for Your Bank Account Details

Other Links

Debentures Trustee Details

Documents Centre

Shareholding Pattern

Media Company Details

RBI Kehta Hai

Time Norms for Business Transactions

Cybersecurity tips for Safe Banking

Sale of NPA

DICGC

Jana Small Finance Bank is registered with DICGC https://www.dicgc.org.in

Jana Small Finance Bank Limited

The Fairway Business Park, First Floor, Survey No.10/1, 11/2 & 12/2B, Off Domlur, Koramangala Inner Ring Road, Next to EGL Business Park Challaghatta, Bengaluru - 560071

Customer Care Banking Toll-free No.: 1800 2080 (24x7)
Email: customercare@janabank.com
Registered Office No.: 080-46020100
MFI Toll Free No.: 1800 4200
(7 a.m. to 10 p.m.)

Find us on

Download our Mobile Banking App

Note: In case of any unauthorized electronic banking transaction customers are advised to notify the bank at the earliest after the occurrence of such transaction. Please be informed that the longer the time taken to notify the bank, the higher will be the risk of loss.

Beware of fictitious offers / lottery winnings / cheap funds offers.

© 2022 Jana Small Finance Bank Limited
Terms & Conditions | Disclaimer | GST Identification Number | Privacy Policy | Sitemap

ALERT

As per RBI guidelines, you are requested to register your cheque issuance details through Positive Pay for value of 50,000/- & above. Please contact Jana SFB at the following Toll free number 1800 2080, to register the details of cheque for value of Rs 50,000/- & above whenever issued by you.

Top

About us

Board of Directors

Management Committee

Media

Disclosures

Investor Relations

Awards & Recognition

Careers

RBI Certificate

ISO/IEC 27001 Certification

Rates and Charges

Interest Rates

Schedule of Charges

MCLR

Product and Services

Savings Account

Current Account

Deposits

Loans

Cards

Payments

FD Calculator

Important Links

Grievance Redressal Mechanism

Grievance on Ex gratia Payment Scheme

Report Fraud/Raise Dispute

Frequently Asked Questions

Policies

Notice Board

Collection Agencies

BC Partner Details

Contribution to PM-CARES Fund

Regulatory Disclosures

Debentures Trustee Details

Documents Centre

RBI Kehta Hai

Time Norms for Business Transactions

Cybersecurity tips for Safe Banking

Details of Regional Nodal Officer

MSME Disclosure

Guidelines and Forms for Claim Settlement of Deceased Depositors

Secured assets possessed under the SARFAESI Act, 2002

Information on Penal Charges for Loan Accounts

Indicative Document Checklist for Availing Credit Facilitates

Unclaimed Deposits

Financial Literacy Week

RBI Never asks for Your Bank Account Details

Other Links

Shareholding Pattern

Media Company Details

Documents Centre

RBI Kehta Hai

Time Norms for Business Transactions

Cybersecurity tips for Safe Banking

Customer Awareness – Money Mule

Sale of NPA

DICGC

Jana Small Finance Bank is registered with DICGC https://www.dicgc.org.in

Jana Small Finance Bank Limited

The Fairway Business Park, First Floor, Survey No.10/1, 11/2 & 12/2B, Off Domlur, Koramangala Inner Ring Road, Next to EGL Business Park Challaghatta, Bengaluru - 560071

Customer Care Banking Toll-free No.: 1800 2080 (24x7)
Email:
Registered Office No.: 080-46020100
MFI Toll Free No.: 1800 4200
(7 a.m. to 10 p.m.)

Find us on

Download our Mobile Banking App

Note: In case of any unauthorized electronic banking transaction customers are advised to notify the bank at the earliest after the occurrence of such transaction. Please be informed that the longer the time taken to notify the bank, the higher will be the risk of loss.

Beware of fictitious offers / lottery winnings / cheap funds offers.

Note: As per RBI guidelines, you are requested to register your cheque issuance details through Positive Pay for value of 50,000/- & above.

Please contact Jana SFB at the following Toll free number 1800 2080, to register the details of cheque for value of Rs 50,000/- & above whenever issued by you. This measure is bought in your interest.

Terms & Conditions | Disclaimer | GST Identification Number | Privacy Policy | Sitemap

© 2022 Jana Small Finance Bank Limited

ALERT

As per RBI guidelines, you are requested to register your cheque issuance details through Positive Pay for value of 50,000/- & above. Please contact Jana SFB at the following Toll free number 1800 2080, to register the details of cheque for value of Rs 50,000/- & above whenever issued by you.

ESOP Policy

Citizens Charter

Policy for Determination of Materiality of Events/ Information

Dividend Distribution Policy

Records Retention and Maintenance Policy

JSFB Code of conduct Policy

Terms & Conditions for appointment of Independent Director

Statutory Auditors Appointment Policy

Anti-Sexual Harassment Policy

Information Security Policy

Deposits and Deposit Interest Policy

Code for Independent Directors

Banking Ombudsman Scheme 2021

Cheque Collection Policy

Fair Practice Code for Lenders

Customer Service Policy

Code of Conduct for DSA

Corporate Social Responsibility Policy

Customer Grievance Redressal Policy

Customer Privacy Policy

Customer Protection and Compensation Policy

Collection of Dues and Securities Repossession Policy

WhistleBlower Policy

Internet Banking User ID & Password Policy

Related Party Transaction Policy

Board Diversity Policy

Familiarisation Programme for Directors

Nomination and Renumeration Policy

Policy for Evaluation of Performance of Board

Code of conduct under SEBI PIT Regulation