Individual

NRI Account

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

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

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

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

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

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

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

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

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

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

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

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

Video KYC

1. What does video KYC mean?

1. What does video KYC mean?

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

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

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

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

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

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

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

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

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

    6. How do we apply for video KYC?

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

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

    Advantages

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

    8. Is Aadhaar required for video KYC?

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

    9. Is PAN required for video KYC?

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

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

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

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

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

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

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

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

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

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

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

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

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

    16. How can I avoid rejection of video KYC?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    DIGIGEN

    1. What is a DIGIGEN account?

    1. What is a DIGIGEN account?

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

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

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

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

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

    4. What are the features of DIGIGEN?

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

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

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

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

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

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

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

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

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

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

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

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

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

    PAN is mandatory to open DIGIGEN account.

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

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

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

    Account features includes Interest on savings.

    Account RestrictionsDIGIGEN OTP Based
    Total cumulative credits AllowedRs. 2,00,000** in a financial year
    Maximum Balance allowed at any given point of time across all accountsRs. 1,00,000**in a financial year
    Time limit to complete your Full KYC/ Account Validity365 days

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

    Allowed limits

    Product NameMax TenureMin AmountMax Amount
    Savings Account365 daysNAINR 90000
    Regular FD : Cumulative11 MonthsINR 10000INR 90000
    Senior FD: Cumulative11 MonthsINR 10000INR 90000

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

    Product NameMax TenureMin AmountMax Amount
    Savings Account365 daysNAINR 90000 ((If choose to open only savings account)
    INR 90000 (If choose to open both savings and Fixed deposit accounts)
    Regular FD : Cumulative11 MonthsINR 10000INR 90000
    Senior FD: Cumulative11 MonthsINR 10000INR 90000

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    25. What will happen if I breach these restrictions?

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

    26. What are the limitations of this account?

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

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

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

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

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

    29. Can the appointment be rescheduled?

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

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

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

    31. How do I create my MPIN?

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

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

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

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

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

    34. What is the validity of my DIGIGEN account?

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

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

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

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

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

    37. Can the account closure be avoided?

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

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

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

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

    Deposits

    FD Plus

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

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

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

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

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

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

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

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

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

    5. Is there minimum or maximum deposit amount?

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

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

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

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

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

    8. What is the Code for this product?

    Product Code for ‘FD Plus’ product is 411.

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

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

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

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

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

    Online Banking

    Mobile Banking

    Mobile Banking

    General

    1. What is Jana Small Finance Bank Mobile Banking?

    1. What is Jana Small Finance Bank Mobile Banking?

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

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

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

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

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

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

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

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

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

      • a) iPhone / iOS 7.0 onwards

      b) Android 4.1 onwards

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    13. Can anyone else access my JSFB MB?

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

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

    • The application will not get deactivated.

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

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

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

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

    Registration

    1. How do I register for the application?

    1. How do I register for the application?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    10. How to complete registration via Debit Card?

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

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

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

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

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

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

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

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

    Login

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

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

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

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

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

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

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

    Fund Transfer

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    8. How can I delete a specific payee?

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

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

    • Only one payee can be deleted at a time.

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

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

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

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

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

    • The Customer will be able transfer funds only after 30 mins of new payee addition.
    • For newly added payee transaction limit is Rs. 50,000 for first 24 hours, after which normal transaction limits will apply.

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

    TypeMinimum Maximum
    RTGSINR 2 LakhsINR 35 Lakhs
    NEFTINR 1INR 35 Lakhs
    IMPS INR 1 INR 5 Lakhs

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

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

    Deposits

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

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

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

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

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

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

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

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

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

    Service Requests

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

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

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

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

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

    3. Will my debit card get instantly blocked?

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

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

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

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

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

    Apply Now

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

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

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

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

    • Your request will be processed in 48 working Hrs.

    3. Can I apply for a Deposit?

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

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

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

    Locate Us

    1. How to use Locate Us?

    1. How to use Locate Us?

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

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

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

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

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

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

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

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

    Internet Banking

    General

    1. Why should I opt for Internet banking?

    1. Why should I opt for Internet banking?

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

    2. What are the benefits of using Internet banking?

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

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

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

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

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

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

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

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

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

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

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

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

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

    Registration

    1. How do I register for Internet banking?

    1. How do I register for Internet banking?

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

    2. Will I get a confirmation of my registration?

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

    Login

    1. What happens if I forget the Username?

    1. What happens if I forget the Username?

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

    2. What happens if I forget the password?

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

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

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

    Fund Transfer

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

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

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

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

    • NEFT
    • IMPS
    • RTGS

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

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

    Login to Internet Banking by visiting www.janabank.com

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

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

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

    • 5 payees can be added in a single day.

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

    • The Customer will be able transfer funds only after 30 mins of new payee addition.
    • For newly added payee transaction limit is Rs. 50,000 for first 24 hours, after which normal transaction limits will apply.

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

    TypeMinimum Maximum
    RTGSINR 2 LakhsINR 35 Lakhs
    NEFTINR 1INR 35 Lakhs
    IMPS INR 1 INR 5 Lakhs

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

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

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

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

    10. Can I initiate fund transfer on bank holidays?

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

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

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

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

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

    Deposits

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

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

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

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

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

    Service Request

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

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

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

    Locate/ Contact us

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

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

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

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

    Corporate Internet Banking

    General

    1. What is CIB (CIB)?

    1. What is CIB (CIB)?

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

    2. What is the Difference between retail and CIB?

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

    3. Who is eligible for Jana Bank CIB?

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

    4. How do I access CIB (CIB)?

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

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

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

    6. Which browsers can be used to operate CIB?

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

    Application Process Related

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

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

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

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

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

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

    2. What are Group ID and Login ID?

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

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

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

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

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

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

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

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

    5. Is password case sensitive?

    Yes. Rules to set password are:

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

    6. What documents required to get CIB access?

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

    ConstitutionDocumentation applicable as per type of access
    View OnlyTransaction Access
    Sole ProprietorCIBF+KYC+POACIBF+KYC+POA
    Registered Partnership firmsCIBF + KYC + Partnership letter
    CIBF + KYC + POA for users who are not partners     		CIBF + KYC + Partnership letter
    CIBF + KYC + POA for users who are not partners
    Un-registered partnership firmsCIBF+ KYC+ Partnership letter+ POA for users including partners who are users CIBF+ KYC+ Partnership letter+ POA for users including partners who are users
    Company / LLPCIBF+ KYC+ Resolution

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

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

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

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

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

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

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

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

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

    Login Related

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

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

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

    2. I am unable to access my CIB?

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

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

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

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

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

    Password Related

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

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

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

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

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

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

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

    4. How many passwords are required to access CIB?

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

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

    5. When do my passwords get locked?

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

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

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

    Authorisation Related

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

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

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

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

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

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

    Profiles for Users in CIB are as listed below:

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

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

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

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

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

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

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

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

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

    5. Is maker – checker process offered by CIB?

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

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

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

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

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

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

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

    Fund Transfer Related

    1. What all transactions can be made using CIB?

    1. What all transactions can be made using CIB?

    CIB can be used to make the following transactions:

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

    2. What is the salary upload processing time?

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

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

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

    4. Bulk NEFT/RTGS allowed or not?

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

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

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

    6. Can I use CIB for international fund transfers?

    • No. You can only transfer funds within India.

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

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

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

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

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

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

    10. Is it possible to schedule a transaction?

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

    Security & Safe Banking

    1. How safe is Jana Bank’s CIB?

    1. How safe is Jana Bank’s CIB?

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

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

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

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

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

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

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

    Form 15G/15H FAQs

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

    1. What are Form 15G/GH?

    1. What are Form 15G/GH?

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

    2. Who can submit Form 15G/GH?

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

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

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

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

    • Company
    • Partnership Firm
    • Non-Resident Indian
    • An Indian resident whose estimated total income or the aggregate total income exceeds the basic exemption limit given in the table below:
      Type of customerAgeForm TypeBasic Exemption Limit (Rs.)
      IndividualBelow 60 years15G2,50,000*
      Senior Citizen (Individual)60 years or above at any time during the year but below the age of 80 years.15H3,00,000*
      Super Senior Citizen (Individual)80 years or above at any time during the year.15H5,00,000**
      Other than Individual (i.e. Trust, Association, Club, HUF and Society) Not Applicable15G2,50,000

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

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

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

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

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

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

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

    7. Illustration:

    a) Tax Computation of resident individual aged below 60 years

    ParticularsScenario-IScenario-II
    Interest Income on Fixed deposits3,00,0003,00,000
    Income From House Property2,00,0002,00,000
    Income from Other Sources1,50,0003,00,000
    Gross Total Income6,50,0008,00,000
    Deductions under chapter VIA (80C, 80D etc.) 1,50,0001,50,000
    Total Income5,00,0006,50,000
    Tax Liability12,50042,500
    Rebate us/ 87A12,500-
    Net Tax LiabilityNil42,500
    Applicability of Form 15GForm 15G can be accepted as tax liability is NILForm 15G cannot be accepted as there is a tax Liability

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

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

    ParticularsScenario-IScenario-II
    Interest Income on Fixed deposits3,00,0003,00,000
    Income From House Property2,00,0002,00,000
    Income from Other Sources1,50,0003,00,000
    Gross Total Income6,50,0008,00,000
    Deductions under chapter VIA (80C, 80D etc.) 1,50,0001,50,000
    Total Income5,00,0006,50,000
    Tax Liability10,00040,000
    Rebate us/ 87A10,000-
    Net Tax LiabilityNil40,000
    Applicability of Form 15HForm 15H can be accepted as tax liability is NILForm 15H cannot be accepted as there is a tax Liability

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

    8. What is previous year and assessment year?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    15. When shall taxes be deducted at source?

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

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

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

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

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

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

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

    Instructions for filling Form 15G by the Depositor

    Sl. No. in the FormParticulars in the FormInstructions in brief
    1. Name of the DeclarantPlease provide the full name of the person holding fixed deposits in the Bank as per the PAN.
    In the case of the fixed deposits are held jointly, the first holders will be the Declarant.
    2. PAN of the assesseePAN to be provided
    3. StatusStatus can be any one of the following per Form:
    1. Individual (including senior citizen or super senior citizen)
    2. HUF
    3. Association
    4. Trust
    5. Society
    4. Previous year (for which the declaration is being made) The previous year refers to the financial year in which the declaration is required to be filed. Refer FAQ No. 8.
    If the deposits are made, say on September 24, 2021, then the previous year for which the declaration is filed would be 2021-22.
    5. Residential Status The person making deposits shall report his residential status as ‘Resident’
    (Refer Note below)
    Note: An individual will qualify as a ‘Resident’ if he satisfies any one of the following:
    • He is in India for a period of 182 days or more during the previous year; OR
    • He is in India for a period of 60 days or more during the previous year AND365 days or more during the four preceding previous years

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

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

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

    Instructions for filling Form 15H by the Depositor

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

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

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

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