Uncategorised

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

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates

Please click here for the interest rates.

Minimum Deposit Value
  • INR 3 crore
Minimum Tenure
  • 7 days

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

Eligibility Criteria

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

How to Apply

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

Required Documents

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

Terms & Conditions



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

Key Benefits

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

Eligibility Criteria

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

  • Individual
  • Minor
  • Proprietorship
  • HUF

How to Apply

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

Required Documents

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

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



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

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates
  • Get best-in-class Interest Rates
  • Earn more attractive interest rates than Savings Account

Please click here for the interest rates.

Low Deposit Amounts
  • Start depositing with an amount as low as INR 1,000
Mobile Banking App
  • Transact conveniently through our Mobile Banking App
Cumulative and Non-Cumulative
(Monthly / Quarterly / Half-Yearly / Yearly Payout Options)
  • Freedom to choose the Interest pay-out option

Terms and Conditions:

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

2. The above card rates are applicable to deposits less than INR 3 Crore.

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

4. In case of premature withdrawal of the deposit, interest will not be paid at the originally contracted rate. In such cases interest will be paid at the applicable rate of interest for the duration which the deposit is maintained with us minus premature withdrawal penal rate as follows:

    -Fixed Deposit less than INR 300 Lakhs – 1%

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

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

Eligibility Criteria

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

How to Apply

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

Required Documents

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

Frequently Asked Questions    |   Terms & Conditions



Jana Small Finance Bank ensures that your earnings grow effortlessly with a variety of deposits. Multiple interest payout options, along with attractive interest rates make our deposits the best investment for your hard-earned money. We also offer higher interest rates for senior citizens. Invest now and give a boost to your earnings.

Regular Fixed Deposit

Regular Fixed Deposit allows customers to park their surplus funds as a lumpsum and enjoy attractive returns on it.

  • Freedom to choose the Interest pay-out option
  • For deposit amount less than INR 3 Cr

FD Plus

FD Plus allows customers to earn a higher rate of interest than a Regular FD.

  • Attractive Interest Rates
  • Flexible Tenure

Deposit of 3 crores & above

Deposit of 3 crores & above is designed especially for HNIs, Corporates, SSO, and Government Institutions, to enjoy attractive returns.

  • Minimum deposit of INR 3 Cr

Tax Saver FD

Save on your taxes by investing in Jana Bank’s Tax Saver Fixed Deposit.

  • Invest as low as ₹100 and up to maximum of ₹1,50,000 in a Financial Year
  • Tenure - 5 Years(1825 Days)

Recurring Deposit

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

  • Flexible Tenor Options
  • Start as low as ₹ 100

Video KYC

Video KYC is a quick and easy way to open savings account from your home.

  • Full KYC savings account in few minutes
  • Enjoy anywhere anytime banking unrestricted balances/deposits

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

Key Benefits

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

Eligibility Criteria

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

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

How to Apply

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

Required Documents

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

Service Charges & Fees   |    Terms & Conditions



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

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

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

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

Key App Features

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

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

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

FAQ    |   Terms & Conditions    |    Card Limit



Download our Mobile Banking App

 

Online banking services from Jana Small Finance Bank let you bank at your convenience, from the comfort of your home or office. We value your time and hence bring you convenient and secure online transactions for funds transfer, shopping and more.

Mobile Banking

Our smart and user-friendly mobile application allows customers to access their bank account anytime, anywhere.

  • Smart, fast, easy and secure online banking
  • On-the-go Deposits and Funds Transfer

Internet Banking

Access your bank account from any device of your choice with the secure and easy online banking.

  • 24/7 banking facility
  • Seamless access across PC, tablets, smartphones

Corporate Internet Banking

Jana Small Finance Bank offers to its corporate clients the Corporate Internet Banking facility.

  • Instant digital cash transfers
  • No cap on lower limit for money transfer

Click here to learn more about safe digital banking practices at Jana Small Finance Bank

Grievance

Before you submit your request, please go through our Grievance Redressal policy.
    
Drop an email to customercare@janabank.com
    
Call us on Banking Toll Free Number: 1800 2080 (8 a.m. to 8 p.m.) OR
MFI Toll Free Number: 1800 4200 (7 a.m. to 10 p.m.)
    
Visit us at our Branch. Locate nearest branch
    
Write to us at:
Jana Small Finance Bank Ltd. No. 11, 5th floor, Divyashree Chambers, O’Shaughnessy Road, Bengaluru - 560025

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

Name: Shirley George

Email Id: Nodal.officer@janabank.com

Telephone No.: 7348868060

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

In case your grievance does not get resolved at the Bank Level within a month, please write to the Banking Ombudsman

Jana Small Finance Bank
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Please email your resume to careers@janabank.com



At Jana Small Finance Bank, we strive to ensure the integration of our principles, values and vision, and to enrich the lives of our customers. These accolades are an affirmation of our success in this endeavour.

August 2024: 4 awards awarded by the Indian Chambers of Commerce at the Emerging Asian Banking Awards

Jana Small Finance Bank received the Best Small Finance Bank, India, Best performance on profitability (Runners-up), Best Performance on Asset Quality, Best Performance on Risk Management from the Indian Chambers of Commerce at the Emerging Asian Banking Awards.

June, 2024: Leader in Digital Transformation Strategy at 9th BFSI Leadership Awards

Jana Small Finance Bank received the Leader in Digital Transformation Strategy at the 9th BFSI Leadership & Awards Summit.

April, 2024: IBS Intelligence Digital Banking Awards 2024

Jana Small Finance Bank received the IBS Intelligence Digital Banking Awards 2024 - Regional Winners, Asia, for our innovative "Omnichannel Digital Banking Solution for Retail and Corporate Customers".

February 2024: "Best Fintech and DPI Adoption" award by the Indian Banking Association

Jana Small Finance Bank received the "Best Fintech and DPI Adoption" award by the Indian Banking Association at the 19th Annual Banking Technology Conference, Expo, & Citations!

February, 2024: Dream Companies to Work and National Best Employer Brand Award by World HRD Congress

Jana Small Finance Bank received Dream Companies to Work and National Best Employer Brand Award by World HRD Congress Regards.

June, 2023: Best Data Quality- SFB: Consumer Award 2022-23 by TransUnion CIBIL Limited

Jana Small Finance Bank received Industry Best Data Quality (DQ) in consumer segment by TransUnion CIBIL.

December, 2022: Award for the Best bank - IT Risk Management (payments & small finance bank category) at the 18th IBA Annual Technology Conference, Expo & Awards 2022.

Jana Small Finance Bank received the award for the best bank in IT risk Management (Small Finance Bank category)

April, 2022: Award for Most significant lender supporting SC entrepreneurs under Ambedkar Young Entrepreneurs League (AYE League)

Jana Small Finance Bank received the award for the most significant lender to SC entrepreneurs

Jan 2021: Gold award at ‘RMAI Flame awards Asia 2020’ for ‘Campaign Decade Plus’

Jana Small Finance Bank is the proud winner of the Gold award in ‘Campaign of the Decade’ category for its ‘Jana Diwas’ campaign. The award has been conferred at 11th edition of RMAI Flame Awards Asia. Instituted in the year 2006, Flame Awards acknowledges and celebrates the best of the rural marketing & communication projects, Initiatives and practices in India and Asia.

This award is a testimony of our commitment to serve the under-served sections of the society. Jana bank is dedicated to the cause of financial inclusion. “Jana Diwas’ is a campaign in which the bank celebrates the success stories of its customers and employees.

Jan 2021: Campaign of the Decade Award for Jana Diwas conferred by the Rural Marketing Association of India

Jana Small Finance Bank is the proud winner of the ‘Campaign of the Decade Award for Jana Diwas’. The award has been conferred by the Rural Marketing Association of India.

This award is a testimony of our commitment to serve the under-served sections of the society. Jana bank is dedicated to the cause of financial inclusion. This is a segment where countless stories emerges of people who fight against all odds to overcome adverse situations in life.

Dec 2020: CSR award for excellence in BFSI sector by Golden Globe Tigers 2020 in December 2020

Jana Small Finance Bank receives the prestigious ‘The Golden Globe Tigers 2020’ - CSR Award for Excellence in BFSI Sector.

The CSR award is a recognition of our efforts towards the upliftment & betterment of the communities. The bank has actively listened and responded to the needs of our customers. Providing “Financial Literacy” to the community at large especially un-banked people, has been the key priority of the bank.

Dec 2020: Winner at the cfi.co Inclusive Finance Awards for ‘Best Inclusive Financial Service India 2020’ by Capital Finance International, London

Jana Small Finance Bank receives the ‘BEST INCLUSIVE FINANCIAL SERVICES - INDIA 2020’ Award. This prestigious award has been conferred by Capital Finance International, London.

Such a recognition by an independent and esteemed international jury reinforces our commitment of being a trusted & inclusive bank. We stay committed to our journey of being the leading digitized bank with consistently high standards of performance, compliance and work culture.

2020: Featured in ‘Fortune – The top 500’ list of largest corporations in India for the year 2020

Jana Small Finance Bank entered the Fortune 500 list, the top definitive ranking list of India’s top 500 companies

Dec 2019: Received the Global Leadership Award 2019 by Dale Carnegie

Jana Small Finance Bank received the 1st Runner up trophy at the Fifth Edition of the Dale Carnegie Global Leadership Award 2019. Every year, the winner of the global leadership award is selected after a careful and thorough evaluation by a global jury. The criterion of the awards is the linkage of L&D strategy with overall goals, uniqueness of the initiatives, innovation and impact of the L&D initiative on the organization.

Jana Small Finance Bank was conferred with the 2018 Best Inclusive Finance Services India Award instituted by CFI.co. The judging panel commended the bank for its corporate mission and vision, and for remaining true to its roots and keeping operations customer-focused.

Janalakshmi Financial Services, India’s largest Microfinance Company was recognised among India’s Distinctive Goodwill Brands 2017. Goodwill Brands 2017 is a listing of the brands that have created a significant impact on their consumers in terms of loyalty, trust, reliability and image, at a faster pace over the last few years.

May 2017: Awarded for Best Financial Sector Transaction ADB Private Sector-CNBC Awards

Janalakshmi Financial Services, which works to increase access to finance and improve financial services to the underserved urban poor in India, was honoured in the category of Best Financial Sector Transaction for its innovative and impactful private sector solutions to key development challenges. Instituted by The Asian Development Bank and CNBC, the award focuses on developmental transactions and underlines the important work ADB clients undertake in Asia and the Pacific.

January 2017: Inducted in Fortune India 500 (Ranked at 488, currently 360)

Janalakshmi Financial Services entered the Fortune 500 list, the top definitive ranking list of India’s top 500 companies. Positioned at 488 in 2016, Janalakshmi Financial Services ranking improved to 360th position in 2017.

September 2016: Received CSR Impact Award in the Women Empowerment Category at the India CSR Summit, Mumbai

Lauded for the work towards addressing violence against women and girls, Janalakshmi Financial Services received the CSR Impact Award in the Women Empowerment category. The award was bestowed upon the company at the 3rd edition of CSR Impact Awards, which recognises efforts of companies that deliver high impact through CSR projects and adopt multi-stakeholder approach leading to excellence in project outcome.

March 2016: Awarded the "Financial Services Company of the Year" at VC Circle Awards

Janalakshmi Financial Services emerged as the Financial Company of the Year for empowering women belonging to the lower segment of society, through financial inclusion. Instituted by VC Circle, the awards are given to companies that not only record tremendous growth but also have a long-standing impact on their respective industries and economy.

November 2015: Inducted into Palladium’s Balanced Scorecard Hall of Fame for Executing Strategy

Janalakshmi Financial Services was inducted into Palladium’s Balanced Scorecard Hall of Fame for Executing Strategy. With the implementation of the Balanced Scorecard, the company was able to outperform its peers, grow its loan portfolio and customer base by 2000%, thereby increasing employee retention and quintupling profits generated to reinvest in social impact programs.

May 2015: Received Smart Campaign Client Protection and got officially recognised for customer-centricity

Underlining the fact that Janalakshmi Financial Services follows globally acceptable principles and ethical practices to meet the 30 standards in customer protection and care, the company received the Smart Campaign Client Protection Certification from Micro-Credit Ratings International Limited (M-CRIL). The certification is a testament to the fact that the company’s systems and processes, products and work culture are in alignment with the customer needs, demonstrating respect and commitment to millions of underserved women. The Smart Campaign is a global initiative to incorporate strong client-protection practices into the microfinance industry in India and other countries. M-CRIL is a licensed certifier of the Smart Campaign’s Client Protection Program in India.

Certification from Micro-Credit Ratings International Limited (M-CRIL)

Janalakshmi Financial Services received certification from leading rating agency, Micro-Credit Ratings International Limited (M-CRIL). M-CRIL is licensed by the SMART Campaign to certify financial service providers who fully comply with the Client Protection Principles (CPP).


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

GST Identification Numbers (GSTIN)for the various states are given below. Look for the state to find the right GSTIN for that state.


Sr. No. State GSTIN
1 Assam 18AABCJ7024M1ZC
2 Bihar 10AABCJ7024M1ZS
3 Chandigarh – UT 04AABCJ7024M1ZL
4 Chhattisgarh 22AABCJ7024M1ZN
5 Goa 30AABCJ7024M1ZQ
6 Gujarat 24AABCJ7024M1ZJ
7 Haryana 06AABCJ7024M1ZH
Sr. No. State GSTIN
8 Jharkhand 20AABCJ7024M1ZR
9 Karnataka 29AABCJ7024M2Z8
10 Madhya Pradesh 23AABCJ7024M1ZL
11 Maharashtra 27AABCJ7024M1ZD
12 N.C.T. of Delhi 07AABCJ7024M1ZF
13 Odisha 21AABCJ7024M1ZP
14 Puducherry 34AABCJ7024M1ZI
Sr. No. State GSTIN
15 Punjab 03AABCJ7024M1ZN
16 Rajasthan 08AABCJ7024M1ZD
17 Sikkim 11AABCJ7024M1ZQ
18 Tamil Nadu 33AABCJ7024M1ZK
19 Telangana 36AABCJ7024M1ZE
20 Uttar Pradesh 09AABCJ7024M1ZB
21 Uttarakhand 05AABCJ7024M1ZJ
22 West Bengal 19AABCJ7024M1ZA

We bring to you an assortment of products catering to every financial need of yours. We strive to provide innovative, result-driven, and compliant solutions, and while doing so, we uphold our commitment towards financial inclusion for all.

Jana Saving Account

Savings Account

We offer you a wide range of savings accounts to meet your banking needs. We value your hard-earned money and offer 6% interest rate on your savings bank account. Select the one that suits you the most and experience the best-in-class banking services.

Jana Fixed Deposit

Fixed Deposit

We ensure your earnings grow effortlessly with our variety of fixed and recurring deposits. Multiple interest payout options and no penalty for premature closure with attractive interest rates make our deposits the best investment for your hard-earned money. We also offer higher interest rates for senior citizens. Invest now and give a boost to your income.
To view the Fixed Deposit rates, click here.

Jana Current Account

Current Account

We bring you an array of current accounts to meet your business needs. Thoughtful features such as Cash Management Service helps you to manage your working capital efficiently and Doorstep Banking lets you bank from your workplace.

Jana Salary Account

Salary Account

Gift your employees the convenience of salary account. Let them enjoy the benefits of anytime banking, zero balance account, and high interest rates on savings and fixed deposits.

Jana Group Loan

Group Loan

Our group loan products are designed to offer financial access to those sections of the society that are traditionally unserved by other organised financial institutions. Apart from competitive interest rates, the loan customers enjoy facilities that help uplift their economic status and achieve their dreams.

Jana Agri Loan

Agri Loan

Our agri loans are designed for farmers seeking financial support for their business needs. It offers a host of facilities like credit life, cattle & crop insurance, free debit card, and more.

Jana Business Loan

Business Loan

We offer a wide range of business loans to meet your long & short-term business needs. These loans come with a plethora of benefits such as doorstep EMI collection, flexible repayment options, and top up loan facilities.

Jana Gold Loan

Gold Loan

Fulfil your emergency or immediate financial needs with our gold loan. Pledge your gold ornaments and get a loan of up to Rs. 3 lakhs. Avail the loan with minimal documentation.
Refer and win program - Terms & Conditions

Jana Locker

Locker

We offer bank lockers to ensure the safety of your valuables. Choose your locker and be worry-free about your important documents, ornaments, and other valuables.

Jana Pay Point

Jana Pay Point

We offer the convenience of banking in your neighbourhood with Jana Pay, which is an initiative to make banking and payment services available through a network of agents.

Jana Home loan

Home Improvement Loan

We offer easy and hassle-free home improvement loan so that you can upgrade and improve your home effortlessly. This loan can be used for enhancing your home in many ways such as tiling and flooring, internal and external plaster, painting etc.

For product related queries, click here.

*(Page to be updated)

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

*(Page to be updated)

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

*(Page to be updated)

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



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

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

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

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

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

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

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

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

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

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

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

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

Discipline

•    Be punctual
•    Plan the day’s activities
•    Attend all meetings/join conference calls on time
•    Follow process diligently
•    Meet commitments

Service

•    Understand and address internal and external customers’ needs
•    Develop community relationships that make a positive difference
•    Listen with empathy

Respect

•    Treat everyone in a respectful manner
•    Empathize with the needs of others
•    Value others’ time

Honesty

•    Be honest in all dealings
•    Report instances of wrongdoing: Be a Rakshak
•    Protect the interests of customers at all times

Our Vision & Mission

At Jana Small Finance Bank, we strive hard to ensure the integration of our principles, values and vision, to enrich the lives of our customers. These accolades are an affirmation of our success in this endeavour.

  • July 2017: Awarded India's Distinctive Goodwill Brands
  • May 2017: Awarded for Best Financial Sector Transaction ADB Private Sector-CNBC awards
  • January 2017: Inducted in Fortune India 500 (Ranked at 488)
  • September 2016: Received CSR Impact Award in the Women Empowerment Category at the India CSR Summit, Mumbai.
  • March 2016: Awarded the "Financial Services Company of the Year" at VCCircle Awards
  • November 2015: Inducted into Palladium’s Balanced Scorecard Hall of Fame for Executing Strategy
  • May 2015: Received Smart Campaign Client Protection and got officially recognized for customer-centricity
  • Certification from Micro-Credit Ratings International Limited (M-CRIL)

The origin of Jana Small Finance Bank is a classic case of good intentions executed methodically with a definite purpose and a larger benefit in mind.

What started as an incubated initiative called Sanghamitra Urban Programme (SUP) has evolved into Jana Small Finance Bank, an organization committed to making the best of banking products and services available across all strata of society!

Jana’s roots can be traced back to an outstanding microfinance institution called Sanghamitra Rural Financial Services (SRFS) — set up by one of India’s most respected rural NGOs, Myrada (Mysore Resettlement and Development Agency).

Our first group loan in October 2000, marked the earliest instance of urban microfinance in India. Within a span of 16 months, we had loaned INR 10 million towards helping the underserved populace gain a better quality of life.

Realizing that the answer lay in setting up a full-service microfinance institution, we also transformed to Janalakshmi Financial Services (JFS) in 2006. JFS was primarily focused on improving the lives of the urban poor.

Over time, JFS gained a global recognition as one of the world’s most trusted and innovative financial institutions, working on the problem of financial inclusion. In November 2015, we received the popular "Balanced Scorecard Hall of Fame" award. In March 2016, JFS also received the VCCircle award for the "Best financial services firm in India" that had received venture capital funding.

A modest core team at the helm of Jana has been trying to understand the aspirations and challenges of the urban poor, and the role that organized financial services could play in fulfilling these aspirations. We have realized that the urban under-served need more than just small loans. They need a safe haven for their hard-earned savings, and a benefactor behind their entrepreneurial dreams.

With our core belief of ‘empowerment and fulfillment’, combined with our learning and realization, we’ve come a long way, and further continue to shape our thought process and sharpen the edges of our operational philosophy.

As Jana Small Finance Bank, we are now working tirelessly to bring the best of banking options to the growing and aspirational urban under-served and unserved.

We tell them: Likho Apni Kahani.

Jana Small Finance Bank is a young and dynamic bank that is determined to accomplish the vision of helping every Indian prosper.

At Jana Small Finance Bank, we offer a highly engaging and supportive working environment that values, recognizes and rewards quality performance. We want people who see things differently, find solutions and collaborate instinctively. We make it possible for individuals to unlock their potential by investing in technology and systems, people-sensitive schemes, development and leadership programs; and also enable an environment that rewards performance, passion and innovation.

With a wide range of career opportunities available, we invite you to realize your career goals with us while focusing on what matters most. Whether you are a fresh graduate, or an experienced professional, Jana Small Finance Bank can be your platform to enrich your career. Join us and unleash your potential to having an exciting career of learning, development and value driven performance linked growth.


Click here to view our current openings.

What our employees say:

Disclaimer: *Jana Small Finance Bank does not ask for any money from our potential aspirants / applicants for recruitment. Be cautious about any correspondence, person or agency who offers you a job or job interview in return for money.

The origin of Jana Small Finance Bank is a classic case of good intentions executed methodically with a definite purpose and the larger benefit in mind.

What started out as an incubated initiative called Sanghamitra Urban Programme (SUP) is today Jana Small Finance Bank, an organization committed to make the best of banking products and services available across all strata of society.

Jana’s roots can be traced back to an outstanding microfinance institution called Sanghamitra Rural Financial Services (SRFS) — set up by one of India’s most respected rural NGOs, Myrada (Mysore Resettlement and Development Agency). Our first group loan in October 2000 marked the earliest instance of urban microfinance in India. Within a span of 16 months, we had loaned INR 10 million towards helping the underserved populace gain a better quality of life.

Realizing that the answer lay in setting up a full-service microfinance institution, in 2006, we transformed into Janalakshmi Financial Services (JFS) that focused on improving the lives of the urban poor. With time, JFS gained global recognition as one of the world’s most trusted and innovative financial institutions working on the problem of financial inclusion. In November 2015, we received the coveted Balanced Scorecard Hall of Fame award. In March 2016, JFS received the VCCircle award for the best financial services firm in India that has received venture capital funding.

A modest core team at the helm of Jana has been trying to understand the aspirations and challenges of the urban poor, and the role that organized financial services could play in fulfilling these aspirations. We realized that the urban underserved needed more than just small loans. They sought a safe haven for their hard-earned savings and a benefactor behind their entrepreneurial dreams.

Our core belief of ‘empowerment and fulfillment’, along with the learning and realization we’ve had along the way, continue to shape our thought process and sharpen the edges of our operational philosophy.

As Jana Small Finance Bank, we are now working tirelessly to bring the best of banking options to the growing and aspirational urban underserved and unserved.

We tell them: Likho Apni Kahani.

*(Page to be updated)

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

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

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

The Bank recognizes that one of its fundamental responsibilities is to ensure that the Bank protects personal information entrusted to the Bank by its customers. This is critical for the maintenance of the Bank’s reputation and for complying with its legal and regulatory obligations to protect the Bank’s customer information. The Bank also follows a transparent policy to handle personal information of its customers.

In this Policy, personal information means any information that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Bank, is capable of identifying such person (e.g., telephone number, name, address, transaction history etc.).

The Policy is in compliance with the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules 2011 (the “IT Rules”) contained in the Information Technology Act 2000.

Applicability

The Bank collects three types of information: personal, sensitive personal data and non-personal

Personal information means any information that relates to a natural person, which either directly or indirectly, in combination with other information available or likely to be available with the Bank, is capable of identifying such person (e.g., telephone number, name, address, transaction history etc.).

Sensitive personal data or information of a person means such personal information which consists of information relating to passwords, financial information such as Bank account or credit card or debit card or other payment instrument details, sexual orientation, physical physiological and mental health condition, medical records and history, biometric information, details of nominees and national identifiers including but not limited to: Aadhaar card, passport number, income, PAN, etc. For customers enrolled in services provided by the Bank, such as online bill payment, personal information about the transaction is collected.

Any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for the purpose of these rules.

The information customers provide online is held by the Bank business that maintains the account or is processing the application for a new product or service.

Non personal information includes the IP address of the device used to connect to the Bank’s website along with other information such as browser details, operating system used, the name of the website that redirected the visitor to the Bank’s website, etc. Also, when you browse our site or receive one of our emails, the Bank and our affiliated companies, use cookies and/or pixel tags to collect information and store your online preferences.

This Policy is applicable to personal information (including sensitive personal information) collected by the Bank directly from the customer or through the Bank’s online portals, electronic communications as also any information collected by the Bank’s server from the customer’s browser.

Accuracy

The Bank shall have processes in place to ensure that the personal information residing with it is complete, accurate and current. If at any point of time, there is a reason to believe that personal information residing with the Bank is incorrect, the customer should inform the Bank in this regard. The Bank shall correct the erroneous information as quickly as possible.

Purpose of collection and Usage of Personal Information

The Bank shall use the information collected to manage its business and offer an enhanced, personalized online experience on its website. Further, it shall enable the Bank to:

Process applications, requests and transactions

Maintain internal records as per regulatory guidelines

Provide services to customers, including responding to customer requests

Comply with all applicable laws and regulations

Recognize the customer when he conducts online banking

Understand the needs and provide relevant product and service offers

If a customer does not wish to provide consent for usage of its sensitive personal data or information or later withdraws the consent, the Bank shall have the right not to provide services or to withdraw the services for which the information was sought from the customer.

Disclosure/ Sharing of Information

The Bank shall not disclose personal information of its customers without their prior consent unless such disclosure has been agreed to in a contract between the body corporate and customer, or where the disclosure is necessary for compliance of a legal obligation. In-case Bank discloses the personal information to Third Parties, such Third Parties shall be bound contractually to ensure that they protect customer personal information in accordance with applicable laws.

The above obligations relating to sharing of personal data or information shall not apply to information shared with government mandated under the law to obtain such information or by an order under law for the time being in force. Further, if any personal data or information is freely available or accessible in the public domain, the Bank shall not have any obligations regarding the same.

No specific information about customer accounts or other personally identifiable data shall be shared with nonaffiliated third parties unless any of the following conditions is met:

To help complete a transaction initiated by the customer

To perform support services through an outsourced entity provided it conforms to the Privacy Policy of the Bank

The customer/ applicant has specifically authorized it

To conform to legal requirements or comply with legal process

The information is shared with Government agencies mandated under law

The information is shared with any third party by an order under the law

Enforce the terms and conditions of the products or services

Act to protect the rights, interests or property of the Bank, or its members, constituents or of other person

Security Practices

The security of personal information is a priority and shall be ensured by maintaining physical, electronic, and procedural safeguards that meet applicable laws to protect customer information against loss, misuse, damage and unauthorized access, modifications or disclosures. Employees shall be trained in the proper handling of personal information. When other companies are used to provide services on behalf of the Bank, it shall ensure that such companies protect the confidentiality of personal information they receive in the same manner the Bank protects. The Bank shall continuously review and enhance its security policies and security measures to consistently maintain a high level of security.

Amendments

The Bank shall reserve the right to change or update this Policy or practice, at any time with reasonable notice to customers on Bank’s website so that customers are always aware of the information which is collected, for what purpose Bank uses it, and under what circumstances, if any, Bank may disclose it.

By virtue of this privacy policy, the customer assents to collection, use, transfer, disclosure, retention and other processing of her/his personal information, including sensitive personal information, as described in this Policy.

Response to Enquiries and Complaints

The Bank shall encourage customer enquiries, feedback and complaints which shall help it identify and improve the services provided to the customers.

Our Vision & Mission

“Not just a great place to work but a place to do great work”

Jana Small Finance Bank is a young and dynamic bank with a vision to be the leading digitized bank of an aspirational India, serving all customers and communities. At Jana Small Finance Bank, we offer a highly engaging and supportive work environment — one that values, recognises and rewards quality performance. We want people who see things differently, find solutions, and collaborate instinctively. We make it possible for individuals to unlock their potential, by investing in people-sensitive schemes, development and leadership programs, and technology and systems, thus enabling an environment that rewards performance, passion and innovation.

With a wide range of career opportunities available, we invite you to realise your career goals with us while focusing on what matters the most. Whether you are a fresh graduate, or an experienced professional, Jana Small Finance Bank can be your platform to enrich your career. Join us to unleash your potential and enjoy an exciting career, full of opportunities, learning, development, and value-driven and performance-linked growth. To know more about us, click here.

A culture of learn and grow

We believe our employees are the critical pillars of our growth. Driving their performance and productivity by empowering them with relevant learning is our goal. This means creating a culture of learning, driven by traditional and new age solutions. As an organisation with growth opportunities, we offer our employees the proposition to continuously learn, enrich and fulfil their aspirations, so that they can fully realise and leverage their true potential to 'make a difference'. We do great work when we are surrounded by people who inspire and challenge us. Our learning ecosystem fosters collaboration and sharing of best practices, where each employee is a teacher and a buddy.

We are driven by the purpose of inclusive financial growth. We want to create new ways to simplify our customers' financial lives. Our employees deliver this purpose by constantly learning, educating and spreading awareness.

Our learning engagements have won us prestigious industry awards in 2017;

  • The TISS Leap Vault CLO Award is the most prestigious award for excellence in Corporate Learning, Leadership Development, Training and Coaching. We won the award for the best coaching/mentoring program, reflecting our intent and efforts towards talent development.
  • Brandon Hall Group is a leading independent research and analyst organisation focused on Human Capital Management practices. The Brandon Hall Excellence Awards recognises the best organisations to have successfully deployed programs, strategies, and tools that have achieved measurable results. We won the award in the category of Best Learning Program Supporting a Change Transformation Business Strategy.

Why choose Jana

Our values support our vision, and articulate what is most important to us. These values guide us in the work we do every day and in serving our customers.

Thinking about joining us?

Here are the top ten reasons why that’s a great idea.

1. Dig in on your first day

Whether you join us as a recent graduate or a seasoned professional, you’ll start to work directly on challenging projects from day one.

2. Your love for travel

184+ Cities, 19+ States. You will have the opportunity to travel to or work in different locations.

3. Count on us for career growth

We are always growing, so should you. We prioritise the personal development of all team members.

4. Strike a balance that works for you

You’re human - and so are we!
We strive to ensure that our JanaNayaks achieve a healthy, happy work-life balance.

5. Get inspired by your colleagues

Our cultural diversity means that you’ll always have something to learn from those around you.

6. Forget the notion of the “typical day”

Challenge and variety are constants here. From the work you do to the people you meet to the places you travel to, we’ll keep you on your toes.

7. Feel free to grow

Over the course of your career, your goals may shift. Want to change your focus? Switch tracks? We’re here to help.

8. Never stop learning

You’ll learn via classroom-based and virtual courses, e-learning modules and rich-media online resources.

9. People come first

Through our People Charter, we encourage free exchange of ideas, respect for differences, and wellbeing in the workplace for everyone.

10. Make a difference to people around you 

We are in this business for a purpose and desire to be one of the most admired financial institutions in the world. Come join us and fulfil your dreams.

Employee stories

Explore stories from our employees on the work they do, their experiences, and how they are growing in Jana.

I can see myself living my dreams

I can be myself at Jana

The right place to be for a promising future


Commercial Launch

About Jana Bank
Commercial Launch

Brand Identity
Commercial Launch

Jana Logo
Commercial Launch

MD & CEO

*(Page to be updated)

Jana Shakti CSR Policy Jana Shakti CSR Policy
   
Janalakshmi's CSR Policy Janalakshmi's CSR Policy
   

Jana is associated with BCCI as the official sponsor of Indian cricket, and is pleased to be the sponsor of Jana Bankable Player award.

What is Jana Bankable Player?

Cricket is the ultimate team sport. But in every team, there is always that player who is dependable, performs consistently and rises to the occasion when the team needs him the most. No matter how the opponent performs, he is always on the pulse of the game, and delivers consistently throughout the match. It’s this commitment of his that helps his team win. He is our Jana Bankable Player.

One player from the 'playing 22' in every match is awarded for his consistency and named the Jana Bankable Player. Audience votes and commentator’s analysis, together decide the Jana Bankable Player for every match.

How is Jana Bankable Player different from Man of the Match?

A 'Man of the Match' or 'Man of the Series', mostly carries the fate of the game on his shoulders, thus creating an impact on the proceedings of the game. The Jana Bankable Player celebrates that dependable player on whom the team can bank upon anytime. He is a consistent performer, and delivers when the team needs him the most - time and again!

What is Jana Bankable Trophy?

The Jana Bankable Trophy has been introduced in alignment with our philosophy to be consistent and dedicated, and is awarded to the player of the series. It expresses exclusivity and excellence, through its sculpture and blends with the values of the organisation and the award itself. Its spirit comes from symbolically projecting - 'enduring values of excellence' in a cricketer.

Features of the trophy

  • Trophy layout is inspired by the Jana ‘J’
  • Symbolises a player’s dependable performance on all 3 fronts
  • Bat, Ball, and the Wickets represent cricketing elements
  • Defines winning spirit in all positions of play - batsman, bowler, and fielder
  • Crafted in aircraft grade aluminium
  • Refined black anodised surface finish

The Jana Bankable Trophy has especially been conceptualized and designed by Foley Designs. They are the creators of the Commonwealth Games 'Queen’s Baton' and the Indian Formula One Grand Prix trophy.

Rewards

Aligned to our key philosophy of being dependable for our customers, the Jana Bankable Player is the recognition of a player’s commitment towards his team. The player who is awarded the Jana Bankable Player of the match and Jana Bankable Player of the series receives a prize money of INR 1 Lakh and INR 2.5 Lakhs respectively.

Find out more about the contest on http://www.janabankableplayer.com/

*(Page to be updated, placeholder for corporate video)

Janalakshmi's Annual CSR Impact Report - F.Y. 2015-16 Annual Report
   
Annual CSR Boards' Report for F.Y. 2015-16 Annual Report
   
Annual CSR Boards' Report for F.Y. 2014-15 Annual Report

*(Page to be updated)

 

About Jana Bank

What started out as an incubated initiative called Sanghamitra Urban Programme (SUP) is today Jana Small Finance Bank. We are committed to making the best of banking options available to the growing and aspirational urban unserved and underserved, in addition to all other strata of the society.

Company Highlights

Established in
December 2016
5001-10,000+
employee strength
Private
sector bank
Present across
184 cities
XXX
Branches
46 Lakh+
Customers
11,000 crores+
Loan disbursement

Management Team

Ramesh Ramanathan

Chairman

T S Sivashankar

Investor Director

Vijayalatha Reddy

Independent Director

R Srinivasan

Executive Vice-Chairman

Vikram Gandhi

Independent Director

Puneet Bhatia

Investor Director

V S Radhakrishnan

CEO & Managing Director

Anil Rai Gupta

Investor Director

V Narayanamurthy

Nominee Director

S Viswanatha Prasad

Investor Director

Ling Wei Ong

Investor Director

R Ramaseshan

Director

Uday Chitale

Independent Director

Aluri Srinivasa Rao

Alternate Director (Ling Wei Ong)

Narayan Ramachandran

Director

Akhil Shriprakash Awasthi

Investor Director
                                                                           

Headquarters

34/1, Andree Road, Shantinagar, Bengaluru, Karnataka, India - 560027          

Connect with us

  • Phone: +918042595700
  • Fax: +918041525770
  • Email: customercare@janabank.com
  • Website: www.janabank.com

Download Fact Sheet

Innovative businesses in India and the Philippines receive ADB Private Sector-CNBC Awards

The Asian Development Bank (ADB) and CNBC today presented the second annual ADB Private Sector-CNBC awards to businesses from India and the Philippines. Janalakshmi Financial Services and AP Renewables Inc...

May 03, 2017

ADB Approves $150 Million to Support Microfinance, Sanitation in India

The Asian Development Bank (ADB) has approved a $150 million equivalent debt financing to Janalakshmi Financial Services Private Limited. ADB’s funding will support Janalakshmi’s conversion from India’s largest nonbank financial...

August 26, 2016

Govt clears FDI proposal of Janalakshmi Financial Services

The government today gave its approval for Foreign Direct Investment (FDI) of Janalakshmi Financial Services Ltd (JFS).
“Based on the recommendations of Foreign Investment Promotion Board (FIPB) in its 237th meeting held on July 12, 2016...

August 11, 2016

Janalakshmi Financial Services to raise $50 mn from IFC

Bangalore-based microlender Janalakshmi Financial Services Pvt Ltd (JFS) is looking to raise about $50 million from International Finance Corp, the private sector lending arm of World Bank, as per a disclosure by IFC...

June 03, 2016

MUDRA Bank invests Rs 50 crore in securitisation deal with Janalakshmi Financial Services

MUDRA Bank has invested Rs 50 crore in a securitisation deal with Janalakshmi Financial Services, helping release capital for the micro lender which is busy in small finance bank preparation...

April 21, 2016

Janalakshmi Announces $210 Million Equity Round, Led by TPG

Janalakshmi Financial Services Limited (“Janalakshmi”) today announced a $150 million (INR 10 billion) round of primary equity financing led by global private investment firm TPG...

April 18, 2016

CDC Group invests Rs 330cr in Janalakshmi Financial Services

UK development finance institution, CDC Group invested Rs 330 crore ($50 million) in microfinance lender Janalakshmi Financial Services. The capital will provide for the Tier II capital of the lender and help the newly selected small bank...

January 11, 2016

Smart Campaign Recognizes Five Indian Financial Institutions for Exceptional Standards of Client Care

The Smart Campaign, a global movement to embed a set of client protection principles into the fabric of the microfinance industry, today recognized five Indian financial institutions with Smart Certification, acknowledging their high standards...

December 08, 2015

RBI grants “In-principle” Approval to 10 Applicants for Small Finance Banks

The Reserve Bank of India (RBI) has today decided to grant “in-principle” approval to the following 10 applicants to set up small finance banks under the “Guidelines for Licensing of Small Finance Banks in the private sector”...

September 16, 2015

Janalakshmi Financial Services raises around Rs 180 crore

Microfinance institution Janalakshmi Financial Services today said it has raised around Rs 180 crore through issuance of non-convertible debentures and from unsecured term loans...

August 10, 2015

Janalakshmi Financial Services Pvt. Ltd. Close First Tranche of INR 125 Crores NCDs

Janalakshmi Financial Services Private Limited (“Janalakshmi” / “the Company”) is pleased to announce that it has successfully closed the first tranche (INR 125 crores) of a total INR 250 crores of listed, non-convertible bonds. The bonds...

February 23, 2015

RBI releases Names of Applicants of Small Finance Banks and Payments Banks

The Reserve Bank of India today released the names of applicants of small finance banks and payment banks, stating it received, in its Central Office, 72 applications for small finance banks (Annex I) and 41 applications for payments banks...

February 04, 2015

Janalakshmi to expand further into untapped market

Triodos Fair Share Fund and Triodos Microfinance Fund jointly contribute USD 11.4 million to Janalakshmi Financial Services, one of the three largest microfinance institutions in India. This loan will help Janalakshmi to expand further...

February 02, 2015

Janalakshmi inks big office space deal in Bengaluru center

Former Citibanker Ramesh Ramanathan promoted micro-finance provider Janalakshmi Financial Services has concluded one of the largest office space lease deals in the heart of Bengaluru...

Dec 11, 2014

Janalakshmi Financial Services Chooses IBM Analytics, Cloud and Mobile Capabilities to Fuel Future Growth and Expansion

IBM (NYSE: IBM) today announced that it has entered into a six year agreement with Janalakshmi Financial Services (JFS), a leading India-based micro finance provider, to transform its business and technology capabilities...

July 15, 2014

Janalakshmi Financial Services Teams with Accenture to Scale Up Operations, Expand Services for India’s Poor

Accenture (NYSE: ACN) and Janalakshmi Financial Services (JFS), one of India’s leading microfinance organizations, have signed a five-year agreement in which Accenture will provide business process outsourcing and IT services...

October 04, 2013

Janalakshmi and Manipal Global Education Services Launch Janalakshmi-Manipal Institute of Financial Inclusion

Janalakshmi Financial Services Pvt. Ltd.(JFS) and Manipal Global Education Services (MaGE) announced today the launch of Janalakshmi-Manipal Institute of Financial Inclusion(JMIFI), that was formally inaugurated at Bangalore, by Shri. Ajay...

March 26, 2013

How Janalakshmi got to the top

While the rest of the sector has been largely stagnating, with a large amount of its unrecoverable loans, Janalakshmi’s loan book has been skyrocketing...

June 19, 2012

Wipro Capitalizes on Cloud Capability to Boost Janalakshmi’s Microfinance ‘Liability Products’ Business

Wipro Technologies, the Global Consulting, System Integration and Outsourcing Business of Wipro Limited (NYSE:WIT) today announced that the implementation of a CRM solution, for Janalakshmi Financial Services...

November 19, 2010

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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

Write to us

Customer Care
customercare@janabank.com

Grievance Redressal
Grievance.redressal@janabank.com

Principal Nodal Officer
nodal.officer@janabank.com

Investor Grievance Cell
investor.grievance@janabank.com

Media Queries
Shreyasee Sen, Adfactors PR for Jana SFB at
shreyasee.sen@adfactorspr.com

Careers
careers@janabank.com

 

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?

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!

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...

  1. What is my objective - is it Short term or Long term?
  2. What is the quantum of risk that I am willing to take?
  3. What is the duration of my Investment?
  4. 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

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.

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.

 
  1. Management Team
  2. Board of Directors
  3. Annual Reports
  4. Committees of the Board

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