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NPCI has launched Bharat Aadhaar Seeding Enabler (BASE) platform to facilitate Direct Benefit Transfer by enabling the citizens to carry out certain activities in digital mode. Aadhaar can be seeded to only one bank account of an individual, and the account shall become the primary account for receiving government subsidies and benefits.

What is BASE?

BASE (Bharat Aadhaar Seeding Enabler) is an NPCI’s central platform that enables banks to process Aadhaar Seeding and de-seeding requests in a secure and efficient manner.By using BASE platform, citizens can perform the following services.

Services:

Service Description
Aadhaar Seeding / De-seeding Link your Aadhaar number to your Jana Bank account seamlessly.

Types of Aadhaar Seeding:
1. Fresh Seeding – Link your Aadhaar number for the first time.
2. Movement (Same Bank) – Move your Aadhaar linkage from one Jana Bank account to another.
3. Movement (Other Bank) – Transfer your Aadhaar linkage from another bank to Jana Bank.

De-seeding:
You can also request de-seeding of your Aadhaar from your account whenever required
Account Details View the Bank account details that is currently seeded with your Aadhaar.
Aadhaar Mapped Status Check whether your Aadhaar is currently mapped in the NPCI mapper.
Aadhaar Mapping History Track your previous Aadhaar seeding and de-seeding requests for transparency.

Eligibility Criteria:

  • The customer’s Aadhaar number must be linked with their Jana Small Finance Bank account.
  • Aadhaar seeding will not be done for the following account types:
    • NRE (Non-Resident External) Accounts
    • PPF (Public Provident Fund) Accounts
    • Loan Accounts
    • Fixed Deposit (FD) Accounts

*The above list is only indicative and Aadhaar cannot be seeded for accounts, which are ineligible to receive DBT/Subsidy benefits.

How to Use:

Step 1: Click on the Visit link. This will direct you to the NPCI portal

Step 2: On the NPCI portal click on the customer tab and select the Bharat Aadhaar Seeding Enabler (BASE)

Step 3: Select the required service (Seeding / De-seeding / Status / History) from the NPCI BASE portal.

Step 4: Enter the required details and authenticate using the OTP sent to your Aadhaar-registered mobile number to complete the process.

Jana Small Finance Bank has partnered with IndusInd Bank to deliver hassle-free cross-border remittance services. Customers can transfer funds globally with ease, backed by secure transactions, regulatory compliance, and support for multiple foreign currencies.

Why Jana Small Finance Bank ?

  • Competitive/Better exchange rate
  • Lower charges for Outward remittance among peer banks.
  • Faster Processing (T+1)
  • No Charges for Inward remittance (only taxes as applicable)

Inward Remittance

International money transfers received in India from overseas for eligible personal and non-trade purposes.

Permitted Purposes

  • Family maintenance and savings from Indian non-residents
  • Personal gifts and donations
  • Receipts towards Non-Resident deposits (FCNR(B)/NRE accounts)
  • Compensation of employees / Salary credits

Process Flow

  1. Initiate inward wire transfer from overseas bank.
  2. Complete their Transfer form by mentioning beneficiary details, beneficiary bank details and IndusInd correspondent bank details.
    • Name of the Beneficiary: Jana Small Finance Bank Limited
    • Account No. of the Beneficiary: 201021255493
    • Account with: IndusInd Bank Limited, (Branch Name: MG Road)
    • IndusInd Bank SWIFT Code: INDBINBBBGM
    • Jana SFB IFSC Code in Field 57
    • Beneficiary account details in Field 59
    • Purpose code/details in Field 70 or Field 72
  3. Foreign currency amount is converted to INR at applicable exchange rates.
  4. Jana SFB credits the customer account with transaction narration as “Forex Remittance”.
  5. Transactions requiring clarification or failing compliance checks may be kept on hold or returned to the remitter bank.

Applicable Documents

  • Customer Declaration for inward remittance
  • FEMA declaration (included as part of disposal instruction)
  • Standing Instruction (for recurring remittances such as salary credits)
  • Disposal instruction/email confirmation for self-account funding by NRIs

Outward Remittance

International money transfers sent from India for permitted personal and non-trade purposes under FEMA and LRS guidelines.

Permitted Purposes

  • Family maintenance and savings
  • Personal gifts and donations
  • Education-related travel and university fees
  • Repatriation of Non-Resident deposits (FCNR(B)/NRE accounts)

Process Flow

  1. Customer submits outward remittance request at the branch with required documents.
  2. Branch verifies documents and raises service request for processing.
  3. Transaction Banking Team validates:
    • PAN and KYC details
    • Form A2
    • Purpose code and supporting documents
    • Fund availability and compliance requirements
  4. Request is shared with partner AD-I Bank for processing.
  5. AD-I Bank reviews documents, debits the account, and executes the international transfer.
  6. Funds are remitted to the overseas beneficiary account through SWIFT transfer.

Applicable Documents

Family Maintenance (S1301)
  • Form A2
  • Self-attested PAN card copy
  • Beneficiary passport copy / relationship proof
Gift Remittance (S1302) & Repatriation of NRE Deposits (S0014)
  • Form A2
  • Self-attested PAN card copy
Education Fee Payment (S0305)
  • Form A2
  • Self-attested PAN card copy
  • University admission/offer letter
  • Student ID or passport copy

FAQs

What is a cross-border remittance?

What is a cross-border remittance?

A cross-border remittance is an international money transfer sent or received from another country.

Who can use inward remittance services?

Residents as well as Non-residents individuals and eligible account holders receiving money from overseas for permitted purposes can use this service. Remittances for CA or Non-Individuals are not available currently.

Which currencies are supported?

International remittances are supported in multiple major global currencies through the partner AD-I Bank network.

Is PAN mandatory for outward remittances?

Yes, PAN is mandatory for outward remittance transactions under FEMA/LRS guidelines

What is Form A2?

Form A2 is the prescribed FEMA declaration form required for outward foreign remittances.

How long does an inward remittance take?

Subject to compliance checks and complete information, inward remittances are generally processed within standard banking timelines.

Can transactions be rejected?

Yes. Transactions may be rejected or returned in case of incomplete information, compliance concerns, or non-permitted purposes.

What is the maximum remittance limit under LRS?

Resident individuals can remit up to USD 250,000 per financial year under the Liberalised Remittance Scheme (LRS), subject to RBI guidelines.

Are business/trade remittances allowed?

No. Only permitted non-trade current account transactions are supported under the AD-II arrangement.

What details should the remitter provide for inward remittances?

The remitter must provide:

  • Jana SFB IFSC Code
  • Beneficiary account number and name
  • Purpose of remittance
  • Correct SWIFT transfer details

How to get the rate for the day?

The rates for the day can be checked on the following link: FX Rates. However, kindly ensure to refresh the browser/cache memory and cross-check the date mentioned on the table.

Are there any tax implications for remittances?

In case of transactions by resident individual, additionally TCS (Tax Collected at source) might be applicable depending on the utilization of LRS limit against customer PAN.

Are there any charges applicable for remittances?

Please visit our website for Service Charges & Fees > Forex

Where can I download the Forms?

Visit the nearest branch of Jana Small Finance Bank Ltd. and our Branch Official will guide you on the application process.



 

What is NPS?

National Pension System (“NPS”) is a voluntary, long-term retirement savings scheme regulated by the Pension Fund Regulatory and Development Authority (“PFRDA”). It enables individuals to systematically save during their working years and receive a regular pension income after their retirement. NPS ensures long-term financial security, which combines the benefits of market-linked returns, low fund management costs, and tax savings, making it one of the most efficient retirement planning solutions in India.

NPS combines the benefits of market-linked returns, low fund management costs, and tax savings, making it one of the most efficient retirement planning solutions in India.

NPS Vatsalya :

NPS Vatsalya is a government-regulated pension scheme that allows parents or guardians to invest in the name of their minor children (under 18).

The plan builds long-term wealth through compounding and seamlessly converts into a regular National Pension System (NPS) account once the child reaches adulthood.

Secure Your Retirement with NPS

Plan today for a financially independent tomorrow with the National Pension System (NPS) — a government-backed retirement savings scheme designed to help individuals build a stable retirement corpus through disciplined and long-term investing.

At Jana Small Finance Bank Limited, we make it easy for you to open and manage your NPS account with seamless on- boarding, expert guidance, and convenient digital access in our Mobile & Internet Banking.

Key Features of NPS

1. Government-Regulated Retirement Solution
2. Flexible Investment Choices : NPS lets individuals choose or change their Point of Presence (POP), investment pattern and fund manager to optimise returns.
3. Option in Portfolio Selection
4. Attractive Tax Benefits
5. Low-Cost Investment
6. Portable Across India
7. Retirement Corpus & Pension
8. Transparent - Subscribers enjoy 24x7 online access to their NPS account

Types of NPS Accounts

Tier I Account

  • Primary retirement account
  • Tax-saving benefits available
  • Partial withdrawal permitted under specified conditions
  • Mandatory for NPS participation

Tier II Account

  • Voluntary savings account
  • Flexible withdrawal facility
  • No lock-in period (except for specific tax-saving options).

NPS fees and charges

NPS Services New Charge Structure

NPS Services New Charge Structure

*Initial Subscriber Registration (applicable only in the first year)

  • Physical onboarding: ₹200 per account (₹50 will be collected on a quarterly basis)
  • Digital onboarding: ₹100 per account (₹25 will be collected on a quarterly basis)

Initial Contribution – NIL

All Subsequent Contribution - NIL

All Non-Financial Transaction Processing of Exit/Withdrawal NIL

*Annual Fee NIL 0.20% per annum of AUM, subject to a minimum of ₹30 (Collected Quarterly)

*Method of Annual Fee and One-time registration charge deduction will be through cancellation of units by Central Recordkeeping Agencies (CRAs)

*GST or other taxes as applicable, in additional.

*Dormant Account will not be charged.

For Elaborate details on NPS Charges please Click here

Latest Charges Regulation

FAQs

What is the Age Limit for Investing in NPS ?

What is the Age Limit for Investing in NPS ?

18 to 70 Years

What is the Age Limit for Investing in NPS Vatsalya ?

0 - 18 Years

Can NRIs also open NPS/PRAN with us ?

Yes

Can I withdraw money before retirement?

Yes, partial withdrawals are permitted under specific conditions.

Can I change my pension fund manager?

Yes, subscribers have the flexibility to change their pension fund manager and investment choice.

What is the Minimum Contribution for NPS ?

Rs.500/- NPS Initial Subscription is preferred and 1000 for NPS Vatsalya and there is NO Upper limit

Can NRIs invest in Tier-II of NPS ?

NRIs/OCIs with Tier I accounts are not permitted to activate Tier II account.

Can a Subscriber choose different PFMs for his/her NPS ?

Subscribers may choose different Pension Funds and Investment Options for Tier I and Tier II accounts.

What is MSF scheme in NPS ?

The Multiple Scheme Framework (MSF) is an upgrade by the PFRDA that allows non-government NPS subscribers to invest in multiple distinct pension schemes and fund managers simultaneously under a single PRAN account, unlocking options like 100% equity allocation.

When can I withdraw from NPS ?

We can withdraw NPS corpus/investment in below types.

Normal Exit (At Age 60 or Retirement)

The withdrawal limits are determined by your total accumulated corpus at maturity:

  • Corpus above ₹12 Lakh: Non-government subscribers can withdraw up to 80% as a lump sum. Only 20% must be used to purchase an annuity for a regular pension (Note: Per current tax laws, only 60% of the total corpus remains completely tax-free). Government employees remain capped at a 60% lump sum / 40% annuity split.
  • Corpus between ₹8 Lakh and ₹12 Lakh: You can take up to ₹6 lakh as an immediate lump sum. The remaining balance can be drawn through a structured Systematic Unit Redemption (SUR) plan over a minimum period of 6 years, or used to buy an annuity.
  • Corpus up to ₹8 Lakh: You are permitted a 100% lump sum withdrawal. You do not need to buy any mandatory annuity.
  • Non-Government Framework: Private sector subscribers can officially initiate a normal exit either at age 60 or after completing 15 years of subscription, whichever hits first.
Premature Exit (Before Age 60 / 15-Year Horizon)

If you decide to voluntarily close your NPS account early:

  • Account Age Requirement: You must have maintained the account for at least 10 years.
  • Standard Rule: You can only take up to 20% as a lump sum. The remaining 80% must go toward an annuity.
  • Small Corpus Rule: If your total accumulated wealth is ₹2 lakh or less, you are allowed a 100% complete lump sum withdrawal.
Partial Withdrawals (During the Investment Tenure)

You can access small tranches of your funds before retirement without closing the account:

  • Lock-in Period: Permitted only after completing 3 years of membership.
  • Maximum Limit: You can withdraw up to 25% of your own contributions (excluding interest and employer contributions).
  • Frequency: Allowed up to 4 times before reaching age 60.
  • Interval Time: There must be a minimum gap of 4 years between consecutive partial withdrawals.
  • Post-60 Extension: If you extend your account past age 60, you can still make partial withdrawals up to 25% of your contributions, but the minimum required gap reduces to 3 years.

Disclaimer

Third-Party Portal Redirection – Disclaimer and Customer Declaration

Third-Party Portal Redirection – Disclaimer and Customer Declaration

By proceeding further, you acknowledge, understand and agree to the following terms and conditions:

  1. Third Party Redirection

    You are being redirected from the Bank’s Mobile Banking/Internet Banking Application to the platform/application maintained and operated by authorized CRAs(Central Recordkeeping Agency) /intermediaries such as CAMS, KFintech and Protean eGov Technologies Limited (“Third Party Platform”) for availing services related to National Pension System (NPS), including but not limited to:

    • New NPS Subscription / Registration
    • NPS Contribution
    • Tier I / Tier II Transactions
    • NPS Related Servicing Requests & SIPs
    • Subscriber Authentication and Validation
    • PRAN related services
  2. Independent Third-Party Services

    The aforesaid Third Party Platform is independently owned, operated and managed by CRAs authorized under the National Pension System architecture regulated by the Pension Fund Regulatory and Development Authority (PFRDA).

    JANA Small Finance Bank:

    • Does not own, control or operate such Third Party Platform;
    • Does not guarantee uninterrupted availability or performance of such platform;
    • Shall not be responsible for any delay, technical issue, downtime, transaction failure, data mismatch, service deficiency or operational error arising at the Third Party Platform level.
  3. Customer Consent for Redirection & Data Sharing

    By clicking “Proceed/Agree”, you expressly consent and authorize the Bank to redirect you to the relevant Third Party Platform and share/display such limited customer information as may be required for facilitating NPS related services, subject to applicable laws, regulatory guidelines and privacy requirements.

  4. Regulatory Framework

    NPS services are governed by:

    • Pension Fund Regulatory and Development Authority Act, 2013;
    • Regulations, circulars, operational guidelines, master circulars and directions issued by PFRDA from time to time;
    • Applicable guidelines issued by Central Recordkeeping Agencies (CRAs), Points of Presence (PoPs), Pension Funds and other authorized intermediaries. Customers are advised to carefully read and understand all applicable terms, disclosures, scheme information documents, risk factors, charges and declarations before proceeding with any NPS transaction. Recent PFRDA Operational and onboarding guidelines continue to strengthen compliance, cybersecurity, subscriber disclosures and intermediary responsibilities for NPS ecosystem participants.
  5. Charges, Fees & Levies

    Applicable charges, transaction fees, PoP charges, CRA charges, Fund management charges and other statutory/regulatory levies, as prescribed by PFRDA and/or relevant intermediaries from time to time, shall be borne by the subscriber/customer.

    Such charges may be revised periodically in accordance with applicable PFRDA circulars and regulatory instructions.

  6. Investment Risk Disclosure

    NPS investments are subject to market risks and investment risks, including possible loss of principal. The value of investments under NPS may fluctuate depending on market conditions, interest rate movements, economic conditions, asset allocation, performance of pension funds and other factors.

    Past performance of Pension Funds/Schemes does not guarantee future returns.

    Neither the Bank nor the Third Party Platform assures or guarantees:

    • Any fixed returns;
    • Protection of capital;
    • Assured pension amount;
    • Appreciation in investment value.

    Subscribers are advised to read all scheme related documents carefully and consult their financial/tax/legal advisors before making investment decisions.

  7. No Investment Advice

    The Bank is only facilitating access to the Third Party Platform and shall not be construed as:

    • Providing investment advisory services;
    • Recommending any specific Pension Fund, scheme, asset allocation or investment option;
    • Guaranteeing suitability of NPS for any customer.

    Any investment decision shall be solely at the discretion, judgment and risk of the customer/subscriber.

  8. Customer Responsibility

    The customer shall be solely responsible for:

    • Correctness and completeness of information submitted.
    • Selection of Pension Fund/Scheme/Investment Choice.
    • Verification of contribution details and transaction confirmations.
    • Safeguarding login credentials, OTPs and authentication factors.

    Jana Small Finance Bank shall not be liable for losses arising due to incorrect inputs, unauthorized access, customer negligence or misuse of credentials.

  9. Cyber Security & Digital Risks

    Electronic transactions are susceptible to risks including but not limited to hacking, phishing, malware attacks, impersonation, communication failures, system interruptions and unauthorized access.

    Customers are advised:

    • Not to share OTPs/passwords/PINs;
    • To transact only through official applications/websites;
    • To verify transaction details carefully before submission.
  10. Limitation of Liability

    Limitation of Liability

    • Direct or indirect losses;
    • Failed or delayed transactions
    • Investment losses;
    • Service interruptions
    • Inaccuracies in third-party content/data;
    • Acts or omissions of CRAs, PoPs, Pension Funds or Third Party Platforms.
  11. Acceptance of Terms

    By proceeding further, you confirm that:

    • You have read, understood and accepted this disclaimer and PFRDA latest circulars in https://pfrda.org.in/regulatory-framework/circulars/active-circulars
    • You understand that NPS is a market-linked retirement product regulated by PFRDA;
    • You voluntarily choose to proceed to the Third Party Platform for NPS related services at your own discretion and risk.

Real Estate Regulatory Authority (“RERA”) was established under the Real Estate (Regulation and development) Act, 2016 to bring transparency, accountability, and efficiency to India’s real estate sector.

Our specialised banking solution is designed exclusively to meet RERA regulatory requirements and ensure secure and seamless project-wise fund management for real estate developers.

What is RERA Current Account?

The RERA Current Account is a specialized banking solution for real estate developers and promoters. It enables transparent tracking, controlled fund utilization, and regulatory compliance in accordance with Real Estate (Regulation & Development) Act, 2016.

It is beneficial for:

  • Real estate developers;
  • Builders; and
  • Commercial & residential project promoters

RERA Current Account Structure

In compliance with regulatory requirements, the RERA operates through three key accounts:

  • RERA Collection Account: Receives 100% of customer payments and project specific receivables
  • RERA Designated Account: 70% of received funds are transferred for regulated usage on land cost and construction costs related expenses as per the norms given in RERA Act
  • Customer’s Current Account: Receives 30% payment towards day to day operations and to carry out the administration costs

Key Features of RERA Current Account:

  • No minimum balance requirement.
  • NIL Account Opening, maintenance, or transactional charges
  • Enhanced digital controls via corporate internet banking limited to view access only
  • Fully RERA compliant auto segregation
  • No interest (per RERA rules)

Frequently Asked Questions

Why do developers need a RERA Current Account?

Why do developers need a RERA Current Account?

RERA requires developers to maintain separate accounts for project collections and project-related expenses.

What is the difference between a RERA Collection Account and a RERA Designated Account?

RERA Collection Account:

  • Used to receive customer payments for the project.
  • Operates as a Zero-Balance Account

RERA Designated Account:

  • Funds are transferred from the Collection to Designated Account based on RERA guidelines.
  • Designated Account used to make project-related payments such as land cost, approvals, and construction.
  • Also a Zero-Balance Account

Are these accounts interest-bearing?

No. As per guidelines, no interest is applicable to RERA Current Accounts.

Are cheque books, debit cards or Internet Banking issued for RERA Current Accounts?

No. Cheque book and debit card facilities are not provided for RERA Current Accounts to maintain regulatory discipline and avoid non-compliant usage.

Corporate Internet Banking provided only with View access.

Who can open a RERA Current Account?

RERA Current Accounts can be opened by the project developer who is developing / constructing a real estate project, whether residential or commercial or mixed use, and are in the process of applying for RERA registration or have already registered the project with the RERA Authority.

Eligible Projects for opening RERA Account are as follows:

  • Projects having a built-in space of a minimum of 500 square meters or 8 flats; or
  • For projects where completion certificate has not been received

Can I link multiple projects to a single RERA Current Account?

No. Each project must have its own separate RERA Collection and Designated Account to meet compliance requirements.

What documents are required to open the RERA Current Account?

Following documents are to be taken for RERA Current Account opening:

  • All extant KYC guidelines applicable for opening RERA Current Account shall be adhered to.
  • Standing Instruction, T&C and undertaking duly signed by customer
  • Nomination facility will not be available in RERA Collection & RERA Designated Account
  • All agreements to be vetted and approved by legal team

In addition following documents are to be collected:

  • RERA Registration
  • Project Schedule
  • RERA Agreement, which stipulates the conditions governing account operation on stamp paper

Note :- : For existing customers, a declaration/undertaking/confirmation can be obtained in lieu of KYC documents from the customer stating the changes in KYC details as last submitted with the Jana Small Finance Bank and such documentary proofs can be obtained for record purposes.

Whom can I contact for support or any queries related to RERA?

You may reach out to::

  • Jana Small Finance Bank branch
  • Contact Centre Team of Jana Small Finance Bank at Contact us

Introducing the Super Saver Savings Account from Jana Small Finance Bank — designed for individuals who want their savings to work harder while enjoying seamless everyday banking.

With monthly interest pay-outs, zero fee banking benefits, and a premium debit card, this account. helps you grow your savings while enjoying convenient banking services.

Product features and benefits:

FEATURES BENEFITS
Monthly Interest Pay-out
  • Interest on your savings credited every month
Zero Fee Banking
  • No fees on domestic banking services.
RuPay Platinum Debit Card
  • A premium debit card for ATM withdrawals, shopping and online payments
Banking andTransaction Facilities
  • Unlimited transactions at Other Bank ATMs
  • No Charges on NEFT/RTGS/IMPS transactions
  • 50% discount on Small locker fee for lifetime subject to availability
  • Unlimited* cash withdrawal with no cap on amount or number of transactions
(*Subject to balance available in the account and IT rule TDS under Section 194N applicable)
Banking Applications
  • State of the art Mobile Banking and Internet Banking Application facilitating seamless fund transfer, Bill payments and Rewards enabling you to access your account anytime, anywhere with our secure platforms.
I-Choose My Account Number
  • Personalized Account Number - Choose an account number of your choice and add a personal touch to your banking experience.
SMS Alerts
  • Instant SMS updates for your account transactions with no charges
Reward Points
  • Earn reward points on eligible transactions
Statements of Account
  • Monthly e-statements and complimentary physical statements every six months

Eligibility Criteria

  • Applicable for all Resident Indian Customers aged above 18 years.
  • Monthly Average Balance to be maintained: ₹ 25,000/-
  • Existing customers can also apply / upgrade to Super Saver Savings Account by visiting nearest branch.

How to Apply

  • Visit the nearest Bank branch and our Relationship Manager will guide you on the application process.
  • You can also contact us at 1800 2080 and our Customer Care Executive will fix an appointment with our Relationship Manager to help you with the application process.

Required Documents

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

Service Charges & Fees   |   Terms & Conditions




The Ministry of Finance, Government of India, in its Union Budget FY 2015-16, launched three social security schemes.

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) for Life Insurance Cover

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) for Life Insurance Cover

Pradhan Mantri Suraksha Bima Yojana (PMSBY) for Personal Accidental Cover

Travel Insurance

Atal Pension Yojana (APY) for Old Age Pension

Atal Pension Yojana (APY) for Old Age Pension

Drive home your dream car with Jana Small Finance Bank’s hassle-free Used Car Loans. Enjoy quick approvals, competitive interest rates, flexible repayment options, and minimal paperwork. Whether you are an existing customer or new to Jana SFB, we make owning a pre-owned car simple, affordable, and accessible.

Key Benefits

FEATURES BENEFITS
Quick & Hassle-free Processing
  • Quick approvals*
Minimum Down Payment
  • Loan Amount as high as 90% of the car value*
Competitive Interest Rates
  • Pocket-friendly EMI repayment options*
Maximum Loan Amount
  • Loan Amount up to Rs.15 Lakhs*
Flexible Tenure
  • 12 Months to 60 months*

Eligibility Criteria

  • New and Existing bank customers can apply for used car loans
  • Any Individual between 21 to 60 Years of Age can apply*
  • Ownership: First or second-owner vehicles allowed
  • Following are the types of customers who can apply for Used Car Loans:
    • Individuals
    • Sole Proprietorship Firms
    • Partnership Firms

How to Apply

  • 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

  • KYC Documents
  • Active Bank Account details.
  • Loan shall be granted at sole discretion of the Bank*.
  • Current Operational States: Maharashtra, Gujarat, Telangana, Tamil Nadu, Karnataka and Delhi-NCR.

*Terms and Conditions apply. For more details please contact with the nearest Jana SFB Branch.

A Convenient Way to Invest in the Market

A Mutual Fund is an investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. Instead of investing in individual assets, you invest in a fund managed by professional fund managers, giving you exposure to a variety of investments with a single purchase.

Types of Mutual Funds:

  • Equity Funds: Invest primarily in stocks, offering the potential for higher returns but with higher risk.
  • Debt Funds: Invest in bonds and fixed-income securities, offering lower risk and more stable returns.
  • Hybrid Funds: A mix of equity and debt, aiming to provide both growth and stability.
  • Index Funds: These track a specific market index (like the Nifty 50), offering a passive investment approach with lower costs

Systematic Investments in Mutual Funds:

SIP (Systematic Investment Plan)

A Smart Way to Invest Regularly: A Systematic Investment Plan (SIP) is a disciplined approach to investing, where you contribute a fixed amount of money at regular intervals, such as monthly or quarterly. This strategy helps you build a consistent saving habit and provides the opportunity to grow your investment over time as the market increases in value.

SIP is a great choice for investors looking to build wealth steadily, with minimal effort, and without worrying about short-term market fluctuations.

SWP (Systematic Withdrawal Plan):

Easy Access to Your Investment: A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount of money regularly from your mutual fund investment. It is ideal for those who want to convert their investment into a regular income stream, such as for retirement or monthly expenses.

STP (Systematic Transfer Plan):

Smooth Transfer Between Funds: A Systematic Transfer Plan (STP) allows you to transfer a fixed amount from one mutual fund to another at regular intervals. This is useful for investors who want to move funds between different types of mutual funds—like from a debt fund (for securing investments) to an equity fund (for growing investments), for example—without needing to do a lump sum transfer.

SIP: Invest a fixed amount regularly in mutual funds to build wealth over time.
SWP: Withdraw a fixed amount regularly from your mutual fund investment to create a steady income stream.
STP: Transfer a fixed amount between mutual funds at regular intervals to adjust your portfolio based on changing financial goals or market conditions.
Each of these plans offers a systematic approach to managing your investments, whether you're looking to grow your wealth, generate regular income, or adjust your investment strategy over time.

Application Process – Coming Soon

FAQs

AMC Partners

AMC Partners

Jana Small Finance Bank Limited (“JSFB”) is a distributor of these AMC Partners . JSFB does not control the AMC Partners and bears no responsibility for the same. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

  1. Aditya Birla Mutual Fund: https://mutualfund.adityabirlacapital.com/forms-and-downloads/forms
  2. HDFC Mutual Fund: https://www.hdfcfund.com/statutory-disclosure/form-disclosures/addenda-notices
  3. ICICI Prudential Mutual Fund: https://www.icicipruamc.com/media-center/downloads
  4. Kotak Mutual Fund: https://www.kotakmf.com/Information/forms-and-downloads
  5. Nippon India Mutual Fund: https://mf.nipponindiaim.com/investor-service/downloads/scheme-information-document
  6. SBI Mutual Fund: https://www.sbimf.com/offer-document-sid-kim
  7. Sundaram Mutual Fund: https://www.sundarammutual.com/scheme-information-document
  8. Tata Mutual Fund: https://www.tatamutualfund.com/information-documents/sai
  9. Wealth Mutual Fund Company: https://www.wealthcompanyamc.in/literature-forms/?tab=statutory-disclosures&section=sai

What is Net Asset Value (NAV) of a scheme?

NAV is the unit price of a mutual fund scheme. The performance of a particular scheme of a mutual fund is denoted by Net Asset Value (NAV). NAV indicates the price at which investors buy or redeem mutual fund units.

NAV of a fund changes every day as a result of changes in the market price of the securities that form a part of the portfolio. Therefore, NAV is determined on a daily basis and required to be disclosed by the mutual funds on a daily basis. NAV of schemes has to be updated in accordance with time lines mentioned under:
T = date of transaction in mutual fund units in India

Sr.no Scheme Type Timeline
1 All schemes other than those mentioned below 11 PM on T day
2 Schemes with exposure to ETCDs (Exchange Traded Commodity Derivatives) 9 AM on T+1 day
3 Fund of Funds (FoFs) schemes 10 AM on T+1 day
4 Schemes investing at least 80% of total assets in permissible overseas investments 10 AM on T+1 day
5 Index funds and ETFs investing at least 80% of total assets in permissible overseas investments 10 AM on T+1 day
6 Schemes unable to disclose NAV as per timeline above due to valuation issues As per disclosure in SID, with reasons for delay

Documents Required for mutual funds investments:

Document Purpose Remarks
PAN Card Mandatory for identity & tax purposes Essential for all investors
Proof of Identity (POI) KYC verification Passport, Driving License, Voter ID, etc
Proof of Address (POA) KYC verification Utility bill, bank statement, Passport, etc.
Passport-sized Photograph Identification Recent photo for application
Cancelled Cheque or Bank Statement Bank account verification For linking bank account for transactions
KYC Acknowledgment Proof of KYC compliance Issued by KRA or via in-house KYC process
Risk Profiling and Investment Objective Assess investor’s risk tolerance To be filled while creating Investor Account
Additional Documents (for NRIs) Proof of NRI status and overseas address Passport, OCI card, overseas address proof, as applicable

SEBI’s Cut-off Timings for Mutual Funds Investments (as of 1 July 2025):

Scheme Category Subscription (Purchase) Cutoff Time If Submitted before Cut-off Time If Submitted after Cut-off Time Redemption (Sale) Cutoff Time If Submitted before Cut-off Time If Submitted after Cut-off Time TAT
Liquid & Overnight Funds 01:30 PM NAV of same business day NAV of same business day 03:00 PM NAV of same business day NAV of next business day T+1
Other Debt Funds & Conservative Hybrid 01:30 PM NAV of same business day NAV of next business day 03:00 PM NAV of next business day NAV of next business day T+2
Equity Funds & Aggressive Hybrid Funds 03:00 PM NAV of same business day NAV of next business day 03:00 PM NAV of next business day NAV of next business day T+2
  • “Business Day” does not include a day on which the Markets are closed or otherwise not accessible.
  • Redemption from international funds / FoF Overseas may take upto T+6 days.

Confirm KYC status of the investor:

CVL KRA - © Copyright 2011. All rights reserved with CDSL Ventures Limited, India

Interest Rates for Retail Fixed Deposits for
Domestic / NRO / NRE Customers

- Effective from 23rd June 2026

Tenure Regular FD Interest Rate(p.a.) Sr. Citizen Interest Rate(p.a.)
7 Days - 14 Days 3.50% 3.50%
15 Days - 60 Days 4.25% 4.25%
61 Days - 90 Days 4.75% 4.75%
91 Days - 120 Days 5.00% 5.00%
121 Days - 180 Days 6.00% 6.00%
181 Days - 270 Days 6.50% 7.00%
271 Days - 366 Days 7.00% 7.50%
367 Days – 2 Years 7.30% 7.80%
>2 Years - 3 Years (1095 Days) 8.00% 8.30%
>3 Years - 5 Years (1825 Days) 7.77% 8.00%
>5 Years - 10 Years 6.50% 7.00%

Designed for self-employed individuals and growing enterprises, this account offers a perfect blend of flexibility, high transaction limits, and smart digital solutions to power your business growth. With cost-saving benefits, it’s built to set your business free.


Key Benefits:

  • AQB Requirement: ₹5,000/-
  • I-Choose My Account Number
  • Sweep facility with higher interest rate, lower threshold amount, and zero penal charges
  • Free cash deposits of up to ₹2 lakhs/month — 40 times the AQB requirement
  • Zero charges on IMPS
  • 100 free cheque leaves per financial year
  • Free QR code with ivanii soundbox app on phone
  • RuPay Platinum Debit Card with complimentary lounge access and accidental insurance coverage* and more
  • Virtual Account facility for easy collections and reconciliation
  • Seamless digital banking

Eligibility Criteria

Both new and existing customers of the Bank can open Freedom Current Account as per the KYC policy of the Bank.

How to Apply

  • Visit the nearest Bank branch and our Relationship Manager will guide you with the application process.
  • You can also contact us at 1800 2080 and our Customer Care Executive will fix an appointment with our Relationship Manager to help you with the application process.

Required Documents

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

Tailored for achievers in the world of expertise — whether you’re a doctor, lawyer, chartered accountant, company secretary, architect, or teacher. With high-value features and flexible benefits, it’s designed to support the financial needs of your profession while letting you focus on what you do best.


Key Benefits:

  • AQB Requirement: ₹5,000/-
  • I-Choose My Account Number
  • Sweep facility with higher interest rate, lower threshold amount, and zero penal charges
  • Free cash deposits of up to ₹2 lakhs/month — 40 times the AQB requirement
  • Zero charges on IMPS
  • 100 free cheque leaves per financial year
  • Free QR code with ivanii soundbox app on phone
  • RuPay Platinum Debit Card with complimentary lounge access and accidental insurance coverage* and more
  • Virtual Account facility for easy collections and reconciliation
  • Seamless digital banking

Eligibility Criteria

Both new and existing customers of the Bank can open Freedom Current Account as per the KYC policy of the Bank.

How to Apply

  • Visit the nearest Bank branch and our Relationship Manager will guide you with the application process.
  • You can also contact us at 1800 2080 and our Customer Care Executive will fix an appointment with our Relationship Manager to help you with the application process.

Required Documents

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

The Advantage Current Account offers more than just basic banking—it empowers you with tools, offers, and services that help your enterprise thrive. With higher free limits, premium privileges, and value-added solutions, it’s perfect for businesses looking to scale.


Key Benefits:

  • AQB Requirement: ₹25,000/-
  • I-Choose My Account Number
  • Sweep facility with higher interest rate, lower threshold amount, and zero penal charges
  • Free cash deposits of up to ₹5 lakhs/month
  • Free NEFT/RTGS/IMPS
  • 150 free cheque leaves per year
  • Free QR code with ivanii soundbox app on phone
  • Access to value-added services across HRMS, Taxation and Logistics
  • RuPay Platinum Debit Card with complimentary lounge access and accidental insurance coverage* and more
  • Virtual Account facility for easy collections and reconciliation

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have an Advantage Current Account as per KYC policy of the bank.

How to Apply

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

Required Documents

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



For professionals who demand more from their banking. Whether you’re a doctor, lawyer, chartered accountant, company secretary, architect, or teacher, this account offers higher limits, premium benefits, and value-added services to help your practice or enterprise grow with ease.


Key Benefits:

  • AQB Requirement: ₹25,000/-
  • I-Choose My Account Number
  • Sweep facility with higher interest rate, lower threshold amount, and zero penal charges
  • Free cash deposits of up to ₹5 lakhs/month
  • Free NEFT/RTGS/IMPS
  • 150 free cheque leaves per year
  • Free QR code with ivanii soundbox app on phone
  • Access to value-added services across HRMS, Taxation and Logistics
  • RuPay Platinum Debit Card with complimentary lounge access and accidental insurance coverage* and more
  • Virtual Account facility for easy collections and reconciliation

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have an Advantage Current Account as per KYC policy of the bank.

How to Apply

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

Required Documents

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



Specially crafted for the complex banking needs of large and mid-corporates, SMEs, financial institutions (including cooperative banks), and other high-value businesses. Designed for select customers, Signature offers powerful features, personalized service, and exclusive privileges to simplify high-volume transactions and help you manage funds with efficiency.

With preferential treatment, dedicated relationship support, and access to premium value-added services, Signature ensures your business banking experience is seamless, swift and rewarding.


Key Benefits:

  • AQB Requirement: ₹2,00,000/-
  • I-Choose My Account Number
  • Sweep facility with higher interest rate, lower threshold amount, and zero penal charges
  • Free cash deposits of up to ₹40 lakhs/month
  • Free NEFT/RTGS/IMPS
  • Unlimited free cheque leaves
  • Zero POS rental charges with Smart Merchant Program
  • Free QR code with ivanii soundbox app on phone
  • Access to value-added services across HRMS, Taxation and Logistics
  • RuPay Select Debit Card with complimentary lounge access and accidental insurance coverage* and more
  • Dedicated relationship manager
  • Virtual Account facility for easy collections and reconciliation

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have Signature Current Account as per KYC policy of the bank

How to Apply

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

Required Documents

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



  • Open Jana Bank Mobile Banking Application
  • In the Pre-Login Screen, go to Settings
  • Click on View Checksum Value
  • Verify the value against the value given below with respect to the OS and App Version

Android:

App Version Checksum
126 0f03512327aaadad051764107be39a
69e0a7f0068916b553f4b2458dd5c13991
127 b999fe96e2b7d707f2ca39e95bc70388
b8434d2fafc24020117fe4e674355181
128 61a1f7125b6e355e67b539d0f1fe15
277be2e55a0136c6514121019bcddf5c4a
129 99b9abfd11000889164ce0973456d1
a660e2f565c32f4f4b485e344547c75fab
130 a485a9a0dff6a75c35571e5ba6acbe
f575a7e516866fca322e0bedab844548e3
131 f944b550ce9a0c39f39564e2f00342
9434f40dac88d982ffdd97ec63a02c8bd4
132 6f4fd5f2ad24bee55df5a67c5d425e
3bb7256159b7550e09eda19b21b45b4c22
133 55d84fa3ae33771eed347223af9cf27
8938e197103a40e13bf99de9a4c5a214f
134 84bf51de1582c15c6f1b4f441555f5dc5
9c8d558a000f88854c5c434e2490112
135 21741240c78b32e16b50e8cfef88ab816
242d4cb8c200dbf755c7c183a066ab2

iOS:

App Version Checksum
126 6e24dbbd24597a96b924f3ac931037
b5bcce8c78ab8becf20a38a73abe45c5b7
127 acf62490345a3909c733daeceb5c0ce65
d48369eab69e383e5edf54add6ed6df
128 3df095bf822957750108b6c9426fc789bfa
45b0eb4788e8d3c4298a70824463f
129 3e9a2af2724585389538f6cde6a6141b00ccf
ee14359619ca0e6b3644697af46
130 b8343807f137b31411f8885e24684f
232cf1da60967fad36b9cdcad7452e0402
132 abaa3249fe15e564f7b7eb9a301337
8923e08421350bea06092578b6095bc4cf
133 3bc4fc60f3a24ff451627c1cbb51db4
1574d9145c20b852bbdd351f07c593e39
134 dcadd2ab2cfb5d88a5ea18a24be3825973
ee2bc42d3d62bcad8b37abfd0f561f
135 8332eef11c102dc682008eed23e57b78a
fd9a76e9cc5c60d87ba45423a8fec98

Introducing iVANII – Jana Small Finance Bank’s digital payments application for merchants

Designed to make every transaction effortless, iVanii is a smartphone-based app that replicates the functionality of a physical sound-box – with added features for today’s dynamic merchants. Whether you manage a single shop or multiple outlets, iVanii helps you hear and track, your payments – all in real time, all in one place.

Product Features and Benefits

FEATURES BENEFITS
Real-Time Audio Notifications
  • Instant audio alerts for every successful transaction, directly on your smartphone.
  • No need to keep checking the app.
  • Experience real-time audio payment alerts.
Multi-Outlet Management
  • Track payments across multiple store locations in one app – perfect for franchises, retail chains, or service businesses.
No Physical Sound-box Required
  • Eliminate the cost and hassle of an additional external hardware.
  • Brings sound-box functionality directly to your smartphone.
Remote Monitoring
  • Monitor all your business transactions from anywhere – ideal for business owners on the go.
Seamless Payments
  • Reliable, real-time payment confirmations with enhanced sound quality – even in noisy or high-traffic environments.
Multilingual Notifications
  • Audio alerts in select Indian languages so merchants across regions can use the app comfortably and confidently.

Who Can Use iVANII

MERCHANT TYPE SUITABILITY
Small & Medium Business Owners
  • Ideal for everyday retail and service businesses
Multi-Outlet Businesses
  • Enables centralized tracking across multiple branches
Retail Store Owners
  • Ensures you never miss a payment confirmation

How to Apply

  • Visit your nearest Jana Small Finance Bank branch and our representative will help you download and set up the mobile application.
  • You can also call us on 1800 2080, and our team will schedule a demo or help you in remotely setting up of the mobile application.
With iVANII, experience digital payments like never before — seamless, secure, and smart.
Download iVANII today. Let your business hear success.

Terms & Conditions



1. Motor insurance

Secure your Car against natural calamities and accidents with our Car & 2W insurance policies that comes with varied Benefits. An accident can happen at any point of time. Avail additional facility of cashless services at a wide network of garages across the country. To know more of benefits, you may please speak to our Officials at the branches.


Term:

Plan Name – Kotak Term Plan

A Term Life Insurance Plan that financially protects you and your family. This plan offers you the option to enhance your coverage against Accidental Death and Critical Illnesses and hence ensuring a 360 degree cover for your life.

Key Advantage are as below:

Enhanced protection: Get covered against terminal illness and disability3 in addition to death

Additional benefits: Option to choose Accidental Death Benefit4 and Accelerated Critical Illness Benefit (Optional)5 against 34 illnesses

Special premium rates: Special premium rates for non-tobacco users

Need based benefit payout: Choose to receive the benefit amount as a lump sum or as a monthly income for 10 years or a combination of both

Increase life cover: Option to increase life cover at important milestones of life like marriage and child birth/adoption

Tax benefits15: On premiums paid and benefits received as per the prevailing tax laws


Eligibility Criteria for Applying to IPOs:

To apply for an IPO through Jana Small Finance Bank, the following criteria must be met:

  1. Investor Category (as per NSE classification):
Client Code Investor Category Cut-Off Allowed
IND Individuals (Retail), HUFs, Trusts, NRIs (≤ ₹2,00,000) Yes
IND Individuals (HNIs), HUFs, Trusts, NRIs (> ₹2,00,000) No
FII Foreign Institutional Investors No
MF Mutual Funds No
IC Insurance Companies No
FI Banks and Financial Institutions No
OTH Other QIBs No
CO Bodies Corporate No
NOH Non-Institutional Investors No
  1. You must have a Savings or Current Account with Jana Small Finance Bank.
  2. You must maintain sufficient account balance for IPO bid amount.
  3. You must have a valid PAN and a Demat Account with any Depository Participant (DP).
    1. Don’t have one yet? Open a 3-in-1 Account today.
  4. You must comply with all applicable SEBI guidelines.

How to Apply for an IPO

You can apply for an IPO through Jana Small Finance Bank using either of the following methods:

Option 1: Internet Banking or Mobile Banking

  • Log in to your Jana Internet Banking or Mobile Banking App.
  • Navigate to the IPO section.
  • Add your demat account if investing for the first time.
  • Select the IPO you wish to apply for and enter bid details.
  • Confirm the application. The amount will be blocked in your account and not debited unless shares are allotted.
  • You’ll continue to earn interest on the blocked amount.
  • Amount will be automatically unblocked or transferred to the Registrar and Transfer Agency (RTA), as per the instructions received from them.
  • Investor making application using any UPI channel, shall use only his / her own bank account or only his / her own bank account linked UPI ID to make an application in public issues.
  • Applications made using third party bank account or using third party linked bank account UPI ID are liable for rejection.

Apply via Internet Banking

View our guides: Internet Banking | Mobile Banking

Option 2: UPI via Broking Apps

  • Log in to the broking app of your choice
  • Add UPI ID linked to your Jana Bank account and make it your primary bank.
  • Place your IPO bid and approve the UPI mandate through your UPI app.
  • The funds will be blocked, and only debited if allotment is successful.
  • Hold will be removed as per instructions received from National Payments Corporation of India (NPCI).

Note: UPI-based IPO applications have a limit of ₹5 lakh per application. Jana should be your primary bank in the broking app. If required, please change it by accessing: Profile>Bank Accounts in the broking app of your choice.

IPO Process: Key Timelines to Know

Here’s a step-by-step view of what happens after you apply for an IPO:

Steps Relevant Entities Process TAT
1. Application Submission Bank ASBA: Till 3.45 PM
UPI ASBA: Mandate acceptance till 3.45 PM 		Hold processed immediately
2. Confirmation from exchange BSE and NSE T+1 Day
2. Basis of Allotment Finalized By respective RTA T+2 Day
3. Fund Transfer Bank ASBA: Sent to RTA
UPI ASBA: Sent via NPCI to Merchant Banker 		T Day
4. Lien Released Bank ASBA: T+2
UPI ASBA: T+1 		T+1 or T+2 Days from Issue closing
5. Listing of Shares Handled by RTA and exchange By T+3 Day from Issue closing

T Day = Business / Transaction Day

Timelines may vary based on intermediary processing.

TERMS AND CONDITIONS

Terms & Conditions (hereinafter referred to as “Terms”) for making Application through Jana Small Finance Bank Limited (hereinafter referred to as the “Bank” or “JSFB”), Internet Banking in Book Building Public Issues under ASBA.

1.IMPORTANT INFORMATION ON ASBA:

  1. Background: In its continuing effort to make the existing public issue process more efficient, SEBI has introduced a supplementary process of applying in public issues, viz: the "Applications Supported by Blocked Amount (ASBA)" process. Accordingly, SEBI (DIP) Guidelines 2000 has been amended for the ASBA process.
  2. Meaning of ASBA: ASBA is an application for subscribing to a public issue, containing an authorization to block the application money in a bank account.
  3. Self-Certified Syndicate Bank (SCSB): SCSB is a bank that offers the facility of applying through the ASBA process. The list of SCSBs is displayed by SEBI on its website at www.sebi.gov.in from time to time. ASBAs can be accepted only by SCSBs, whose names appear in the list of SCSBs displayed on SEBI's website and are recognized as SCSBs. Retail individual investors maintaining their account in any of these banks may use the ASBA facility subject to fulfilling all the Terms stipulated in this regard. These Banks are deemed to have entered into an agreement with the issuer and shall be required to offer the ASBA facility to all its account holders for all issues to which the ASBA process is applicable.
  4. Eligibility of Investors: An investor shall be eligible to apply under the following categories:
    • Bodies Corporate CO
    • NOH - others (All entities other than QIBs, Bodies Corporate, and Individuals)
    • INDs (Individuals applying up to Rs 1 lakh) as well as individuals/HUFs, Trusts, etc. applying for more than Rs 1 lakh IND
    • Employees EMP
    • Shareholders SHA
    Such investors are hereinafter referred to as “ASBA investors”.
  5. ASBA Process in brief:
    An ASBA investor shall submit an ASBA physically or electronically through the internet banking facility to the SCSB with whom the bank account to be blocked is maintained. The SCSB shall then block the application money in the bank account specified in the ASBA, on the basis of an authorization to this effect given by the account holder in the ASBA. The application money shall remain blocked in the bank account until the finalization of the basis of allotment in the issue or until withdrawal/failure of the issue or until withdrawal/rejection of the application, as the case may be. The application data shall thereafter be uploaded by the SCSB in the electronic bidding system through a web-enabled interface provided by the Stock Exchanges. Once the basis of allotment is finalized, the Registrar to the issue shall send an appropriate request to the SCSB for unblocking the relevant earmarked funds in the bank accounts and for transferring the requisite amount to the issuer’s account. In case of withdrawal/failure of the issue, the amount shall be unblocked by the SCSB on receipt of information from the pre-issue merchant bankers.
  6. Obligations of the issuer:
    The issuer shall ensure that adequate arrangements are made by the Registrar to obtain information about all ASBAs and to treat these applications similar to non-ASBA applications while finalizing the basis of allotment, as per the procedure specified in the Guidelines.
  7. Applicability of ASBA process:
    The ASBA process shall be applicable to all book-built public issues that provide for more than one payment option to the retail individual investors.
  8. Withdrawal of application form:
    In case an ASBA investor wants to withdraw his/her ASBA during the bidding period, he/she shall submit his/her withdrawal request to the SCSB, which shall do the necessary, including deletion. In case an ASBA investor wants to withdraw his/her ASBA after the bid closing date, he/she shall submit the withdrawal request to the Registrar to the issue. The Registrar shall delete the withdrawn bid from the bid file.
  9. Bid Revision:
    An ASBA investor can also revise their bid during the issue period.
  10. Other Information for ASBA Investors:
    • SCSB shall not accept any ASBA after the closing time of acceptance of bids on the last day of the bidding period. ASBA investors will receive an acknowledgment for the receipt of ASBAs.
    • SCSB shall not upload any ASBA in the electronic bidding system of the stock exchange(s) unless –
      1. It has received the ASBA in a physical or electronic form.
      2. It has blocked the application money in the bank account specified in the ASBA or has systems to ensure that electronic ASBAs are accepted in the system only after blocking of application money in the relevant bank account opened with it. SCSB shall ensure that the details of a particular ASBA are uploaded only once in the electronic bidding system of any one of the Stock Exchange(s). SCSB shall be solely responsible for the completion and accuracy of all details entered/uploaded on the electronic bidding system of the Stock Exchange(s). In case of withdrawal/revision of bids by ASBA investors during the bidding period, SCSB shall ensure the deletion of the withdrawn ASBA from the electronic bidding system of the Stock Exchange(s) and unblocking of funds only in case of a whole application form withdrawal in the relevant bank account within the timelines specified in the ASBA process. SCSB shall ensure that information about the revision in the bidding period or price band, as and when received, is communicated and reflected in its systems promptly for the information of ASBA investors.
      3. SCSB shall ensure that complaints of ASBA investors arising out of errors or delays in capturing data, blocking, or unblocking of bank accounts, etc., are satisfactorily redressed.
      4. Registrar to the issue shall act as a nodal agency for redressing complaints of ASBA and non-ASBA investors, including providing guidance to ASBA investors regarding approaching the SCSB concerned.
      5. The Stock Exchange(s) shall ensure that an issue-specific code is generated from the electronic bidding system, so that SCSBs do not face any problems in segregating the ASBA issue-wise.
      6. In case of withdrawal of ASBA during the bidding period, the Stock Exchange(s) shall provide the facility for enabling SCSBs to delete the ASBA from the electronic bidding system or mark the withdrawal individually against the original bid uploaded, or upload the withdrawal of the ASBA in batch mode in the electronic bidding system.
      7. Subject to valid bids being received at or above the issue size, under-subscription, if any, in any category would be allowed to be met with spill over inter-se from any of the other categories, at the sole discretion of the company, and subject to applicable provisions of the SEBI Guidelines.

A dedicated space to enhance your banking knowledge. Learn about our account services, digital transactions, personal banking, documentation, and much more. Whether you are new to banking or looking to streamline your financial journey, you'll find all the information you need right here.

Explore, understand, and bank with confidence!

IPO

What is IPO and ASBA?

As Initial Public Offering (IPO) is when an unlisted company offers its shares to the public for the first time. This helps the company raise capital to fund growth, repay debt, and enhance its market visibility. For investors, it presents an opportunity to buy shares at the offer price before the stock is listed, with the potential to benefit from price appreciation as the company grows.

Application Supported by Blocked Amount (ASBA) is a facility that allows investors to apply for IPOs by simply blocking the required amount in their bank account. The funds are not transferred at the time of application. Instead, they are debited only if the shares are allotted. This ensures that the investor continues to earn interest on the blocked amount throughout the IPO process.

Key Features of ASBA:

  • Retail investors can apply for IPOs using Internet Banking, Mobile Banking, or UPI through broker apps.
  • The application amount is blocked, not debited, in the investor’s account at the time of application.
  • Jana Bank, as a Self-Certified Syndicate Bank (SCSB), places a hold on the required amount in the account.
  • Investors continue to earn interest on the blocked funds until allotment.
  • In case of partial or no allotment, the remaining or entire hold is automatically released after finalization.
  • UPI-based ASBA applications are limited to a maximum of ₹5 lakhs. While, ASBA application submitted via Internet or Mobile Banking do not have such limit.

Eligibility Criteria for Applying to IPOs:

To apply for an IPO through Jana Small Finance Bank, the following criteria must be met:

  1. Investor Category (as per NSE classification):
    Client Code Investor Category Cut-Off Allowed
    IND Individuals (Retail), HUFs, Trusts, NRIs (≤ ₹2,00,000) Yes
    IND Individuals (HNIs), HUFs, Trusts, NRIs (> ₹2,00,000) No
    FII Foreign Institutional Investors No
    MF Mutual Funds No
    IC Insurance Companies No
    FI Banks and Financial Institutions No
    OTH Other QIBs No
    CO Bodies Corporate No
    NOH Non-Institutional Investors No
  2. You must have a Savings or Current Account with Jana Small Finance Bank.
  3. You must maintain sufficient account balance for IPO bid amount.
  4. You must have a valid PAN and a Demat Account with any Depository Participant (DP).
    1. Don’t have one yet? Open a 3-in-1 Account today.
  5. You must comply with all applicable SEBI guidelines.

How to Apply for an IPO

You can apply for an IPO through Jana Small Finance Bank using either of the following methods:

Option 1: Internet Banking or Mobile Banking

  • Log in to your Jana Internet Banking or Mobile Banking App.
  • Navigate to the IPO section.
  • Add your demat account if investing for the first time.
  • Select the IPO you wish to apply for and enter bid details.
  • Confirm the application. The amount will be blocked in your account and not debited unless shares are allotted.
  • You’ll continue to earn interest on the blocked amount.
  • Amount will be automatically unblocked or transferred to the Registrar and Transfer Agency (RTA), as per the instructions received from them.
  • Investor making application using any UPI channel, shall use only his / her own bank account or only his / her own bank account linked UPI ID to make an application in public issues.
  • Applications made using third party bank account or using third party linked bank account UPI ID are liable for rejection.

Apply via Internet Banking

View our guides: Internet Banking | Mobile Banking

Option 2: UPI via Broking Apps

  • Log in to the broking app of your choice
  • Add UPI ID linked to your Jana Bank account and make it your primary bank.
  • Place your IPO bid and approve the UPI mandate through your UPI app.
  • The funds will be blocked, and only debited if allotment is successful.
  • Hold will be removed as per instructions received from National Payments Corporation of India (NPCI).

Note: UPI-based IPO applications have a limit of ₹5 lakh per application. Jana should be your primary bank in the broking app. If required, please change it by accessing: Profile>Bank Accounts in the broking app of your choice.

Want to learn more?

Visit our Knowledge Centre to explore detailed information to help you invest with confidence.

IPO Process: Key Timelines to Know

Here’s a step-by-step view of what happens after you apply for an IPO:

Steps Relevant Entities Process TAT
1. Application Submission Bank ASBA: Till 3.45 PM
UPI ASBA: Broker dependent 		Hold processed immediately
2. Confirmation from exchange BSE and NSE T+1 Day
2. Basis of Allotment Finalized By respective RTA T+2 Day
3. Fund Transfer Bank ASBA: Sent to RTA
UPI ASBA: Sent via NPCI to Merchant Banker 		T Day
4. Lien Released Bank ASBA: T+2
UPI ASBA: T+1 		T+1 or T+2 Days from Issue closing
5. Listing of Shares Handled by RTA and exchange By T+3 Day from Issue closing

T Day = Business / Transaction Day

Timelines may vary based on intermediary processing.

FAQs

Will my entire bank account be blocked?

Will my entire bank account be blocked?

  • No, only the application amount is blocked. The rest of your account remains accessible.

In case of multiple bids, how is the amount blocked?

  • The highest bid amount will be considered for blocking.

What happens if I withdraw my IPO bid?

  • If withdrawn before IPO closes, the application amount is unblocked post confirmation from exchange
  • If withdrawn after closure, it is unblocked after allotment is finalized, as per instructions from the RTA.

What are the cut-off timings for IPO applications?

  • On issue closing day: 3.45 PM

When is the lien removed if I don’t get any shares?

  • As soon as the Registrar informs us of the final allotment status. This is usually settled in T+2 days after issue closes.

Do I need a Demat account to apply for an IPO through ASBA?

  • Yes. A Demat account is mandatory as the allotted shares are credited electronically.

Quick Read

Everyday Scams You
Shouldn’t Ignore

From fake emails and suspicious job offers to ATM fraud and hidden charges—scams come in many forms. Stay informed and alert with these real-world fraud tactics so you can protect yourself and your loved ones.

Digital Identity and Data Protection

Your personal data is as valuable as your money. Protecting your Aadhaar, passwords, and online identity keeps you safe from digital frauds. Learn how to stay alert while using apps, making payments, or sharing information online.

Aadhaar Masking

Always share only the last four digits of your Aadhaar number. Masking your Aadhaar protects your identity from misuse.

OTP Sharing Risks

Never share OTPs with anyone, even if they claim to be from the bank. Your OTP is the key to your money.

Protecting Password and Pins

Use strong, unique passwords and change them regularly. Never save or share your PINs on your phone or with anyone you don’t fully trust.

Impersonation Scams

Fraudsters may pose as bank officials or government agents. Verify before you respond ; a genuine institution will never ask for your details.

Phishing Emails

Watch out for emails or links that look suspicious. Always check the sender’s address and avoid clicking unknown links.

Money, Loans and Investment Traps

Be cautious of quick-money schemes or apps promising easy loans and high returns. A little awareness can protect your hard-earned money from online traps.

Loans / Lending Apps

Only borrow from RBI-approved banks or NBFCs. Fake loan apps can steal your data or charge hidden fees.

Investment Offers

If an investment sounds too good to be true, it usually is. Verify the company’s credentials before sending money.

Fake Job Offers

Scammers may promise jobs for a fee. No genuine company asks for payment during recruitment.

Money Mule

Never let anyone use your bank account for transferring money. It could make you a part of a money-laundering network.

Card, ATM & Transaction Safety

Your card and ATM are gateways to your finances. Stay alert while transacting, and never share card details, even by mistake.

ATM Safety

Use ATMs in well-lit areas and shield your keypad while entering your PIN. Always collect your card and receipt before leaving.

Card Skimming

Fraudsters can clone your card using hidden devices. Report immediately if your card gets stuck or an ATM looks tampered.

Toll-Free Scam

Ignore messages or calls claiming to be from “customer care” asking for card details. Always call the official number printed on your card or bank website.

Inoperative Account

If your account has been inactive, reactivate it directly through the branch or official app, not through any link sent via SMS or email.

Your Rights & Responsibilities

As a banking customer, you have the right to safety, fairness, and transparency. Knowing your rights helps you take control of your financial security.

Customer Rights / Grievance Redressal

If you face an issue, contact the bank through official channels. Every customer has a right to fair and timely redressal.

Nominee

Always register a nominee for your accounts. It ensures your money reaches your loved ones without hassle.

Financial Security

Stay informed, review your statements regularly, and report suspicious activity at once. Your vigilance keeps your money safe.

Emerging Scams: Stay Ahead of the Fraudsters

Scams evolve as technology does. Awareness is your best defense — learn how new frauds work and stop them before they reach you.

QR Code Fraud

Never scan QR codes sent by strangers. Scanning can authorize them to pull money from your account.

WhatsApp Link Fraud

Avoid clicking links on WhatsApp promising gifts, cashback, or lotteries. These often lead to data theft or malware.

OTP Fraud

No bank ever asks for your OTP. Sharing it gives fraudsters instant access to your money — keep it private, always.

Smart Streams

Video Information Guide

Your go-to video guide for all your questions—quick, clear, and always accessible.

Introducing Solitaire Savings Account- Empowering women, enhancing lives!

Embrace your financial freedom with our Solitaire Savings Account, crafted exclusively for women. Unlock the world of benefits and features designed to elevate your financial experience.

Product Features and Benefits

FEATURES BENEFITS
Interest Rate
  • Monthly Interest Pay-out - Receive monthly interest payments on your savings account and maximize your earnings.
Welcome Offer*
  • Exciting welcome offers across fashion, beauty, skincare, jewellery, food and more– from flat discounts to exclusive gift vouchers.

Terms and Conditions apply. Click here to know more.

I-Choose My Account Number
  • Personalized Account Number - Choose an account number of your choice and add a personal touch to your banking experience.
Select ATM/Debit Card*

Complimentary RuPay Select Debit Card which can be used for unlimited withdrawals at ATM, POS and Online transactions.


Some of the key COMPLIMENTARY benefits are across the following categories:

Banking and Transaction Facilities
  • Unlimited transactions at Other Bank ATMs
  • No Charges on NEFT/RTGS/IMPS transactions*
  • 50% on small lockers for lifetime subject to availability*
  • No cap on the amount or number of withdrawals.
Banking Applications
  • State of the art Mobile Banking and Internet Banking applications facilitate seamless fund transfers, bill payments, and rewards, enabling you to access your account anytime, anywhere, with our secure platforms.

Eligibility Criteria

  • Exclusively for Resident Indian Women Customers aged above 18 years.
  • Quarterly Average Balance to be maintained: ₹ 50,000/-
  • Existing customers can also apply / upgrade for Solitaire Savings Account by visiting nearest branch.

How to Apply

  • Visit your nearest bank branch. The relationship manager will guide you through the application process.
  • You can also contact us at 1800 2080 and our customer care executive will fix an 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.

Service Charges & Fees   |   Terms & Conditions



CSR_2025-26 View now
CSR_2024-25 View now
CSR_2023-24 View now
     
     

Financial Literacy Week (FLW) - 2026

Financial Literacy Week (FLW) - 2026

Financial Literacy Week (FLW) - 2025

Designation Name Write to us
Managing Director and CEO (md.complaints@jana.bank.in) Ajay Kanwal Click Here
Head – Branch Banking & Chief Marketing Officer Shrinivas Murty Click Here
Chief Operating Officer Rajesh Kumar Sharma Click Here
Head – Vehicle Loan Pradeep Rebello Click Here
Head – Affordable & Micro Housing Loan Rincoo Vachha Click Here
Executive Director & Head – Retail Financial Services Krishnan Subramania Raman Click Here
Head – Commercial Banking Group Naveen Goel Click Here
Head – Customer Service Shirley George Click Here

We recommend that you go through our Grievance Redressal policy and Escalation Flow Chart before you submit your request.
You may also click here to reach the Grievance Redressal mechanism.

Click Here For Email IDs of Nodal Officers.

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Experience the new era of short-term deposits with Liquid Plus Fixed Deposit, the smart way to manage your short-term funds. Its key features, such as high interest rates, T+0 redemption, partial withdrawal, and instant overdraft facility, make it the perfect choice for investing short-term funds.

Key Benefits

FEATURES BENEFITS
High Interest Rates
  • Secure high returns with competitive interest rates, offering better yields than traditional short-term investments.
T+0 Redemption
  • Enjoy same-day redemption (T+0), allowing instant access to funds.
Partial Withdrawal Available
  • Flexibility to withdraw a portion of your Fixed Deposit as needed, without sacrificing Liquid.
No Pre-Maturity Penalty
  • No exit load, making your investment flexible and risk-free in case of early withdrawal.
Instant Overdraft Facility
  • Get an overdraft against your FD to meet urgent cash requirements without breaking your deposit.

Terms and Conditions:

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

2. In case of premature withdrawal or partial withdrawal of the Liquid Plus Fixed Deposit, interest shall not be paid at the originally contracted rate. In such cases, interest shall be paid at the applicable rate of interest for the duration for which the fixed deposit is maintained with us.

3. Minimum tenor for Liquid Fixed Deposits is 7 days upto 180 days. No interest shall be paid in case premature withdrawal is made within 7 days.

4. For all Non-Cumulative Fixed Deposits, interest shall be calculated on simple interest basis.

5. Interest payouts are as per financial year. Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half-yearly payouts will be on 1st October & 1st April.

6. The Minimum Value of a retail Fixed Deposit is ₹ 10 lakh and Maximum Value is Below ₹ 3 crore. The Minimum Value of a bulk Fixed Deposit is ₹ 3 crore and Maximum Value is upto ₹ 200 crore.

7. The booking and partial withdrawal of the Liquid Plus Fixed Deposit can only be done in the banking hours by visiting the Branch. The same cannot be done through mobile banking application or internet banking portal in any scenario whatsoever.

8. In case of partial withdrawal of the Liquid Plus Fixed Deposit, value of fixed deposit after the partial withdrawal should be equal to or more than the minimum fixed deposit value as stated above or as changed by the Bank from time to time.

9. In case of withdrawal of fixed deposit (partial or full), the Bank shall endeavor settle the amount on T + 0 basis only in case the client has Current / Savings Account with the Bank. The said turnaround time shall change in case any event occurs which is beyond the control of the Bank.

10. Taxes, duties, levies or other statutory dues and charges applicable in connection with the benefits accruing as per the terms of these Fixed Deposits will be recoverable from the Customer.

11. Above rates will be applicable for all Resident Individual and Non Individual clients (no preferential rates are applicable for Senior Citizens or Bank’s employees under this product).

12. Rates are subject to change from time to time without prior notice.

13. Overdraft facility is available on the Liquid Plus Fixed Deposit. For more details, please contact your nearest Branch.

14. The Bank shall have the absolute discretion to amend or supplement any of the Terms and Conditions at any time. The Bank may communicate the amended Terms to the customer. By continuing the Fixed Deposit with the Bank and using allied services, the Customer shall be deemed to have accepted the changed Terms and Conditions and any new terms and conditions stipulated by the Bank and/or its.

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can open a Liquid Plus Fixed Deposit. Eligible customers include:

  • Individuals
  • Proprietorships
  • HUF (Hindu Undivided Family)
  • Corporates
  • Trusts, Partnerships, NGOs, and more

How to Apply

Visit the nearest branch of Jana Small Finance Bank, where our Relationship Managers will assist you with the application process. You can also contact our Customer Care team to schedule an appointment with a Relationship Manager.

Required Documents

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

Frequently Asked Questions    |   Terms & Conditions



     
Details of business View now
     
Terms and conditions of appointment of Independent Director View now
     
Composition of various committee of Board View now
     
Code of conduct of Board of directors and senior management personnel View now
     
Details of establishment of vigil mechanism/ whistle blower policy View now
     
Criteria for making payment to Non Executive Directors View now
     
Email and contact information of the designated official for handling investor grievance View now
     
Notice of Board meeting where financial results will be approved View now
     
Financial results View now
     
Annual Return View now
     
Annual Report View now
     
Shareholding pattern

Shareholding pattern

     
2025-26 Q4 View now
     
2025-26 Q3 View now
     
2025-26 Q2 View now
     
2025-26 Q1 View now
     
2024-25 Q1 View now
     
2024-25 Q2 View now
     
2024-25 Q3 View now
     
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2023-24 Q4 View now
     

Newspaper advertisement

     
Newspaper Publication about Postal Ballot in English Newspaper. View now
     
Newspaper Publication about Postal Ballot in Vernacular Newspaper. View now
     
Newspaper Publication View now
     
Newspaper Publication Details of AGM Vernacular View now
     
Newspaper Publication Details of AGM English View now
     
Details of agreement entered into with media companies and their associates NA
     
Schedule of Investor meet and the presentation made View now
     
Audio/ video recordings + transcript of post earnings call View now
     
Old and new name of the Company for a continious period of one year NA
     
All credit ratings obtained View now
     
Separate audited financials of all subsidiaries NA
     
Annual Secretarial compliance report

Annual Secretarial compliance report

     
2024-25 View now
     
2023-24 View now
     
Contact details of KMP who are responsible for determining materiality of events View now
     
Statement of deviation or variation as per Regulation 32 NA
     
Annual Report of the Subsidiary NA
     
Name with full contact details of Debenture Trustee View now
     
Contact details of Investor Grievance Redressal officer View now
     
Disclosure Under Regulation 23(9) of LODR, Related Party Transactions details

Disclosure Under Regulation 23(9) of LODR, Related Party Transactions details

     
March-24 View now
     
Sep-23 View now
     
March-23 View now
     
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Corporate Governance Report

     
2025-26 Q3 View now
     
2025-26 Q2 View now
     
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Details of familirization programmes imparted to Independent Directors View now
     
Dividend distribution policy View now
     
Director’s details with regard to Directorship and full time position holding in other Body Corporate. View now
     
Memorandum of Association and Articles of Association of the Bank. View now
     




Thank you for sharing your details.

Our banking representative will get in touch with you shortly.

Have a great day ahead!


Do feel free to reach us at 1800 2080



With Best Regards,

Jana Small Finance Bank

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

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

Have a great day ahead!

Do feel free to reach us at 1800 2080

With Best Regards,

Team Jana

Interest that makes every month interesting!

Introducing the Legend Savings Account – a solution tailored to provide Senior Citizens with financial security and peace of mind. Designed to empower you during your retirement years, this account helps you grow your savings while enjoying a fulfilling and worry-free future.

Product Features and Benefits

FEATURES BENEFITS
Monthly Interest Pay Out
  • Monthly Pay-out of interest rate on savings account
Apollo Circle Membership for 12 months*
  • Unlimited free 2 hour deliveries*
  • Get additional 5% cashback on medicines and health essentials
  • Enjoy 7% additional cashback on diagnostic tests
  • Enjoy up to 15% savings on doctor consultations
  • Get access to Emergency Doctor on Call 24|7
  • Priority customer support and delivery
    To know more, click here
Zero Fee Banking
  • Unlimited transactions at Other Bank ATMs
  • No Charges on NEFT/RTGS/IMPS transactions*
  • No Banking fees on services*
  • 1 Small Locker free for lifetime subject to availability *(Individual/Family basis applicability)
Select ATM/Debit card

RuPay Select Debit Card which can be used for ATM withdrawals, POS and Online transactions. Some of the benefits are as follows:

Mobile banking
  • State of the art MB application facilitating seamless fund transfer, Bill payments and Reward
Internet banking
  • Access your accounts anytime, anywhere with our secure internet banking platform

Eligibility Criteria

  • For all Resident Individuals above the age of 60.
  • Monthly Average Balance to be maintained: ₹ 25,000/-
  • Existing customers can also apply for Legend Savings Account by visiting nearest branch

How to Apply

  • Visit the nearest Bank branch and our Relationship Manager will guide you on the application process.
  • You can also contact us at 1800 2080 and our Customer Care Executive will fix an 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.

Service Charges & Fees   |   Terms & Conditions



Thank You

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

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

Have a great day ahead!

Do feel free to reach us at 1800 2080

With Best Regards,

Team Jana

Instrument Type Rating Agency Rating
Non-convertible debentures (NCDs) Subordinated Debt India Ratings IND A/Stable
Fixed Deposit India Ratings IND A/Stable
Non-convertible debentures (NCDs) Subordinated Debt (INE953L08329) CARE Ratings CARE A/Stable
Subordinated debt ICRA LIMITED [ICRA]A (Stable)

Jana Small Finance Bank Financials

FY 2026-2027

FY 2026-2027

Quarter 1

     
Investor meet intimation View now

FY 2025-2026

Quarter 4

     
Transcript for Analyst Meeting 29th of April 2026 View now
     
Investors & Analysts Presentation – 29th of April 2026 View now
     
Audio Recording of the Investors and Analysts meet held on- 29th of April 2026 View now
     

Quarter 3

     
Transcript for Analyst Meeting held on 6th of February 2026 View now
     
Investors & Analysts Presentation – 6th of February 2026 View now
     
Audio Recording of the Investors and Analysts meet held on- 6th of February 2026 View now
     
Investor meet intimation View now
     

Quarter 2

     
Transcript for Analyst Meeting held on 17th October 2025 View now
     
Investors & Analysts Presentation – 17th of October 2025 View now
     
Audio Recording of the Investors and Analysts meet held on- 17th of October 2025 View now
     

Quarter 1

     
Transcript for Analyst Meeting held on 22nd July 2025 View now
     
Investors & Analysts Presentation – 22nd July 2025 View now
     
Audio Recording of the Investors and Analysts meet held on- 22nd July 2025 View now
     
Investor Meet Intimation View now

FY 2024-2025

Quarter 4

     
Transcript for Analyst Meeting held on 29th April 2025 View now
     
Investors & Analysts Presentation – 29th April 2025 View now
     
Audio Recording of the Investors and Analysts meet held on- 29th April 2025 View now
     
Investor meet intimation View now
     

Quarter 3

     
Transcript for Analyst Meeting held on - 21st January 2025 View now
     
Investors & Analysts Presentation - 21st January 2025 View now
     
Audio Recording of the Investors and Analysts meet held on - 21st January 2025 View now
     
Investor meet intimation View now
     

Quarter 2

     
Investors & Analysts Presentation – 21st October 2024 View now
     
Audio Recording of the Investors and Analysts meet held on- 21st October 2024 View now
     
Transcript for Analyst Meeting held on 21st October, 2024 View now
     
Investor/Analyst Meet Intimation View now
     

Quarter 1

     
Investors & Analysts Presentation – 22nd July 2024 View now
     
Audio Recording of the Investors and Analysts meet held on- 22nd July 2024 View now
     
Investor meet intimation View now
     
Transcript for Analyst Meeting 22 July 2024 View now
     

FY 2023-2024

Quarter 4

     
Investor Presentation and for Stock Exchange Intimations View now
     
Investors & Analysts Presentation - 30th Apr 2024 View now
     
Video Recording of the Investors & Analysts meet held on - 30th Apr 2024 View now
     
Transcript for Analyst Meeting - 30th Apr 2024 View now
     

Quarter 3

     
Investor Presentation and for Stock Exchange Intimations View now
     
Investors & Analysts Presentation - 26th Feb 2024 View now
     
Video Recording of the Investors & Analysts meet held on 26th Feb 2024 View now
     
Transcript for Analyst Meeting 26-02-2024 View now
     

2026

2026

June 2026 Regular

Introducing Freedom Account - Your Gateway to Unleash Business Potential!

Step into the realm where your business expansion takes centre stage. Recognizing the distinct requirements of self-employed individuals and growing enterprises, we present the Freedom Account – a meticulously crafted solution to liberate your business with a suite of services that will truly set your business free.


Product features and benefits:

FEATURES BENEFITS
Average Quarterly Balance NIL
Cash Deposit Limit at Branches Free* cash deposit limit of ₹ 4 Lakhs per month
Cash Withdrawal at Branches Unlimited Cash Withdrawal
Fund Transfers (IMPS, NEFT & RTGS) Zero charges
Digital Business Solutions:
  • Point of Sale (POS) Device
  • Payment Gateway Services
  • QR Code
  • Virtual Accounts

*Customers will be eligible for free cash deposit limit of up to ₹ 4lakhs for the first 4 months from the date of account opening. To further enjoy free cash deposit limits, customer needs to maintain an Average Monthly Balance of ₹ 10,000/-.

Eligibility Criteria

Both new and existing customers of the Bank can open Freedom Account as per the KYC policy of the Bank.

How to Apply

  • Visit the nearest Bank branch and our Relationship Manager will guide you on the application process.
  • You can also contact us at 1800 2080 and our Customer Care Executive will fix an appointment with our Relationship Manager to help you with the application process.

Required Documents

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

Introducing Freedom Account - Your Gateway to Unleash Business Potential!

Step into the realm where your business expansion takes centre stage. Recognizing the distinct requirements of self-employed individuals and growing enterprises, we present the Freedom Account – a meticulously crafted solution to liberate your business with a suite of services that will truly set your business free.


Product features and benefits:

FEATURES BENEFITS
Average Quarterly Balance NIL
Cash Deposit Limit at Branches Free* cash deposit limit of ₹ 4 Lakhs per month
Cash Withdrawal at Branches Unlimited Cash Withdrawal
Fund Transfers (IMPS, NEFT & RTGS) Zero charges
Digital Business Solutions:
  • Point of Sale (POS) Device
  • Payment Gateway Services
  • QR Code
  • Virtual Accounts

*Customers will be eligible for free cash deposit limit of up to ₹ 4lakhs for the first 4 months from the date of account opening. To further enjoy free cash deposit limits, customer needs to maintain an Average Monthly Balance of ₹ 10,000/-.

Eligibility Criteria

Both new and existing customers of the Bank can open Freedom Account as per the KYC policy of the Bank.

How to Apply

  • Visit the nearest Bank branch and our Relationship Manager will guide you on the application process.
  • You can also contact us at 1800 2080 and our Customer Care Executive will fix an appointment with our Relationship Manager to help you with the application process.

Required Documents

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

  1. Reserve Bank India – Integrated Ombudsman Scheme, 2021
  2. Fixed deposit online
  3. Celebrate your spends
  4. Green Pin

For media queries, please contact corp.comm@jana.bank.in