Jana Bank brings to you the only systematic recurring deposit investment plans. These systematic plans help you earn high interest of 7.5% and lets you achieve your dreams. So be it preparing for the college admission of your child or buying your dream home or buying that dream jewelry, Jana Bank has planned it all for you.

Simply choose your goal and calculate how much you would need to save every month to reach to your goal. 

COLLEGE INVESTMENT PLAN-RD

Every parent dreams of sending his child to that dream college that will help them achieve success in life.

College Investment Plan (CIP) RD lets you save systematically every month and earn good interest that will help your child to reach that dream college

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HOME INVESTMENT PLAN-RD

Buying a home is a dream for many and involves a lot of financial planning.

Home Investment Plan (HIP) RD lets you save systematically every month and earn good interest that will help you make your dream home a reality.

View Details

GOLD INVESTMENT PLAN-RD

Jewellery always entices you. You always wanted to have that favourite gold jewellery as your prized possession.

Gold Investment Plan (GIP) RD lets you save systematically every month and earn good interest that will help your own that prized possession.

View Details

OTHER PLAN-RD

Goals in life are varied and each individual can have a separate goal to achieve in long or short term.

Keeping your goal in mind simply calculate how much you would need to save in recurring deposit every month.

View Details

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You can also email us on customercare@jana.bank.in or call us for Bank related queries/issues on 18002080

Fill in the below form.

Plan Name – ICICI Lombard Complete Health Insurance (ICIHLIP21383V052021)

With ICICI Lombard General Insurance Company Limited, choosing an insurance policy is not just a matter of saving tax at the end of the financial year. It is also about finding a policy that actually works for you. Once you have decided to take a policy, we will go about finding a policy that truly caters to your needs. Factors such as age, number of family members, and preferred insurance premium all come into play. As do factors such as hospitalisation cover and maternity cover, and a few others, which can be customised as per your needs.
Once selected, a single policy will provide a health cover that fits you and your family like a glove.

Key Benefits:

• 150 Day care surgeries covered
• Reset Benefit
• Domestic Road Emergency Ambulance
• Rewards for staying fit with our wellness program
• No Medical test required for policy holder below 46 years of Age**
• Cashless medical treatment across India in 4500+ network Hospitals as on ……date
• In Patient Hospitalization
• Policy renewal facility for lifetime

**Medical test may be required in case of any pre-existing health condition as per the underwriting policy of the insurer

Plan Name – Bajaj General Family Health Care (Gold) (IRDA/HLT/BAGI/P-H/V.I/65/2016-17 )

Your Health is precious – it enables you to live your life the way you please.

Bajaj General Family Health Care policy is designed to suit your health care needs. It takes care of Medical treatment expenses incurred during hospitalization resulting from serious illness or accident.

Key Features:

• In house claim settlement
• Life time renewal
• Income Tax Benefit as per sec 80D of the IT Act on the premium paid for policy

Coverages

• In-patient Hospitalisation Treatment
• Pre-Hospitalisation
• Post-Hospitalisation
• Road Ambulance
• Day Care Procedures
• Organ Donor Expenses
• Sum Insured Reinstatement Benefit
• Hospital Cash Benefit
• Preventive Health Check Up
• Ayurveda / Homeopathic Hospitalisation Expenses

Plan Name – Bajaj General Health Guard Plan (IRDA/HLT/BAGI/P-H/V.II/113/16-17 )

Eligibility Criteria:

• Policy can be taken of Individual Life or Family Floater
• Entry Age Min– Min. 3 months, 18 years for proposer
• Renewal Age – Lifelong
• Exit Age for children from parents policy – Greater than 35 years
• SUM Assured can be opted – 1.5 lacs – 50 Lacs
• Plan options: Silver Plan & Gold Plan

Basic Features & Covers :

• Maternity Expenses & New Born Baby cover (Available under Gold Plan Only)
• Ayurvedic / Homeopathic hospitalization expenses (Available under Gold Plan Only)
• Bariatric Surgery cover (Available under Gold Plan Only)
• In Patient treatment
• Day care treatment
• Domestic Road Ambulance cover
• Pre & Post Hospitalization – 60 days before and up to 90 days after
• Organ Donor Expenses

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.

2. Home Insurance

Homeowners insurance is made up of coverages that may help pay to repair or replace your Home and belongings if they are damaged. Home is where our Heart lives along with our family. You can secure your structure and/or the contents of your home against natural and man-made calamities by insuring with our Comprehensive Home Insurance policies.

3. Travel Insurance

Travel insurance is a type of insurance that covers the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad. It’s better to go armed with Travel Insurance. This protects from medical emergencies, baggage loss, passport loss, trip cancellation and even trip delays

4. Personal Accidental Insurance

A Personal Accident Insurance policy provides financial compensation in the unfortunate event of death or disability or hospitalization of the insured, due to accident. Accident means a sudden, unforeseen and involuntary event caused by external, visible and violent means.

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.

2. Home Insurance

Homeowners insurance is made up of coverages that may help pay to repair or replace your Home and belongings if they are damaged. Home is where our Heart lives along with our family. You can insure the structure and/or the contents of your home.

3. Travel Insurance

Travel insurance is a type of insurance that covers the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad. It’s better to go armed with Travel Insurance. This protects from medical emergencies, baggage loss, passport loss, trip cancellation and even trip delays

4. Personal Accidental Insurance

Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. ... PA insurance provides 24-hour worldwide insurance protection.

Endowment:

Term:

Endowment:

Plan Name – ICICI PRU Assured Savings Insurance Plan (ASIP)

ICICI PRU Assured Savings Insurance Plan– A Non-Linked Non-Participating Life Individual Savings product, which gives you guaranteed savings benefits to meet your non-negotiable goals. It also provides you life insurance cover to take care of your family in case of your unfortunate demise.

Key Benefits are as below:

Guaranteed Additions¹: Every year, either 9% or 10% of total premiums paid will be added to your policy benefits depending on your policy term

Guaranteed Maturity Benefit (GMB)²: A guaranteed lump sum payable at the end of the policy term

Flexibility: Choose premium payment term and policy term as per your need

Tax benefits¹⁵: Tax benefits apply to premiums paid and benefits received as per the prevailing tax laws T&C

Eligibility Criteria

• Min Age entry – 3 years
• Max Age Entry – 60 years
• Premium paying term – 5, & 7 years
• Policy term – 10 & 15 years

Plan Name – ICICI PRU Lakshya Lifelong Income

Key Benefits

• Enjoy policy benefits till 99 years of age
• Guaranteed Income and Cash Bonus¹⁰ every year after Income start date11 till the age of 99 years
• Life cover throughout the policy term till the age of 99 years to secure your family’s future.
• Enjoy bonuses in the form of Regular Additions¹² every year to grow your wealth till the Income start date
• Get Guaranteed Capital protection in the form of ‘Sum Assured on Maturity¹³’
• Get one-time Terminal Bonus
• Liquidity¹⁴ benefits during the policy term to help you in case of financial emergencies
• Get Tax Benefits¹⁵ on premiums paid and benefits received as per prevailing tax laws

Plan Name – ICICI PRU Savings Suraksha

A Non-Linked Participating Life Individual Savings product

Key benefits of Savings Suraksha

Guaranteed benefits - You get Guaranteed Maturity Benefit⁷ PLUS Guaranteed Additions⁸ at maturity

Bonus - You get bonuses in form of vested reversionary bonus and terminal bonus⁹, if any to boost wealth creation

Tax benefits - The premiums paid and benefits received are eligible for tax benefits¹⁵

Life cover - Your family is financially protected for the entire policy term

Loan against policy - You can take a loan equal to 80% of the surrender value⁴

The plan allows you to choose the number of years for which you wish to pay premiums. You can opt for either the Five Pay option (payment of premiums for 5 years), Seven Pay option (payment of premiums for 7 years), Ten Pay option (payment of premiums for 10 years), Twelve Pay option (payment of premiums for 12 years) or the Regular Pay option (regular payment of premiums throughout the policy term).

Term:

Plan Name – ICICI PRU iProtect Smart

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

The entire content is approved by ICICI Prudential life insurance vide Approval No: W//II/1528/2020-21

• Disclaimer: Guaranteed Additions (GAs) rate will be 9% for policy term of 10 years and 10% for policy term of 15 years. GAs will be added to the policy at the end of every policy year if all due premiums have been paid. Each GA will be calculated as GA rate multiplied by the total premiums paid till date (excluding extra mortality premiums, Goods & Services Tax and Cess (if any)).
• Disclaimer: Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, age and gender.
• Disclaimer: Death Benefit is payable on diagnosis of Terminal Illness. On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived. To know more about definitions, terms & conditions applicable for terminal illness & permanent disability due to accident, kindly refer sales brochure of ICICI PRU iProtect Smart.
• Disclaimer: Accidental Death benefit (ADB) is up to Rs. 2 Crores. ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit will be equal to the policy term or (80-Age at entry), whichever is lower.
• Disclaimer: Critical Illness Benefit (CI Benefit) is optional and available under Life and Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Only doctor’s certificate confirming diagnosis needs to be submitted. The benefit is payable only on the fulfilment of the definition of the diagnosed critical illness. The CI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. The future premiums payable under the policy will reduce proportionately. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. To know more in detail about CI Benefit, terms & conditions governing it, kindly refer to sales brochure. CI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.
• Disclaimer: Additional premium will be calculated based on the increased Sum Assured and outstanding policy term as per your age at the time of each such increase.
• Disclaimer: Your GMB will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured on death and gender. Your GMB may be lower than your Sum Assured on death.
• Disclaimer: Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.
• Disclaimer: Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the vested reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death
• Disclaimer: Guaranteed Income will be set at policy inception. Cash Bonus is a proportion of Sum Assured on Maturity.
• Disclaimer: Income Start Date (ISD) is fifth policy anniversary after the Premium Payment Term.
• Disclaimer: Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the ‘Sum Assured on Maturity’. Terminal Bonus may be declared by the Company and will be payable at policy maturity or on death.
• Disclaimer: Sum Assured on Maturity is equal to your total contribution throughout the policy term.
• Disclaimer: You can avail loans under this policy after the policy acquires surrender value. Loan amount of up to 80% of the Surrender Value can be availed. You have an option to en-cash regular addition after 2 full years’ premium payment, as cash pay-outs based on the applicable cash value factors. This option is not available for reduced paid-up policies.
• Tax benefits: Tax benefits under the policy will be as per the prevailing Income Tax laws. We recommend that you seek professional advice for applicability of tax benefit on premiums paid and benefits received. Goods & Services Tax and Cess (if any) will be charged extra as per prevailing rates. The tax laws are subject to amendments from time to time.

Endowment:

Endowment:

Plan Name – Bajaj Life Goal Suraksha (UIN: 116N155V16)

A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

Key Features:

Guaranteed¹ Maturity Benefit

Offers Guaranteed¹ Additions at Maturity

Limited Premium Payment Term

Option to take policy loan

¹Conditions Apply-The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.

Maturity Benefit:

On the maturity date, if all premiums are paid, the Guaranteed¹ Sum Assured on Maturity ^# plus Guaranteed¹ Additions, under your policy, will be paid and the policy will terminate.

For details on Guaranteed¹ Addition factors kindly visit the company website.

Death Benefit

In case of unfortunate death of the Life Assured due to accident during the waiting period^$ or in case of death of the Life Assured after the waiting period^$ due to any cause, the death benefit payable to the nominee(s)/beneficiaries. Such death is stated as Sum Assured on Death which is as below.
The Sum Assured on Death is the higher of:
(i) Sum Assured Multiple X Annualized Premium^*, (II) Sum Assured³
In case of death of the Life Assured during the Waiting period^$ other than due to an accident, the death benefit payable to the nominee(s)/beneficiaries will be the 100% of Total Premiums paid^** till date, excluding extra premium & Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.
At no time the Death Benefit will be less than Guaranteed Death Benefit of 105% of the Total Premiums paid^** up to the date of death. The policy will terminate on payment of the death benefit.
The death benefit is payable provided the policy is in- force and all due premiums have been paid up.

SA multiple allowed under the product are

Low Cover Mark-up
At the inception of the policy, if you opt for a sum assured multiple of 7/5 times the Annualized Premium*, you shall receive a “Low Cover Mark-up” wherein you will be able to enjoy additional Guaranteed1 Additions resulting into a higher Maturity Benefit.
For details on “Low Cover Mark-up” factors kindly visit the company website.

^*Annualized Premium shall be the premium amount payable in a year chosen by the policyholder excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any. | ^**Total Premium paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly | ^#Guaranteed Sum Assured on Maturity is (110%^*Premium Payment Term) times the Annualized Premium^*. | ³Sum Assured (SA) is SA multiple X the Annualized Premium*. | ^$Waiting period is the first 90 days from the date of commencement of risk. Waiting period is not applicable in case of revival.

Eligibility Criteria

All ages mentioned above are age as on last birthday. Risk cover, even for minor life, will commence immediately on the date of commencement of risk of the policy.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFER – IRDAI or its officials are not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Risk Factors and Warning Statements: Bajaj Life Insurance Limited and Bajaj Life Goal Suraksha are the names of the company and the product respectively and do not in any way indicate the quality of the product and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochures & policy document (available on www.bajajlifeinsurance.com) carefully before conducting a sale. Bajaj Life Goal Suraksha – A Non Linked, Non Participating, Individual, Life Insurance Savings Plan. Regd Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006. Reg. No.: 116. CIN: U66010PN2001PLC015959 | Mail us: customercare@bajajlife.com | Call us on Customer Care number: 020-6712 1212 | Bajaj Life Goal Suraksha (UIN: 116N155V16), The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

Jana Small Finance Bank is a Corporate Agent for Bajaj Life Insurance Limited and is registered with Insurance Regulatory and Development Authority of India bearing registration number CA0606. This plan is offered and underwritten by Bajaj Life Insurance Limited. The purchase of an insurance plan by the customer is purely on voluntary basis.

Plan Name – Bajaj Life Assured Wealth Goal Platinum (UIN:116N188V07)

A Non linked, Non participating, Individual Life Insurance Savings Plan

Key Advantage are as below:

Liquidity: Income begins as early as from start of the 1^st policy year

Guarantee¹ : All the benefits in the policy are guaranteed¹

Security: Life Cover to protect your family

Tax Benefit²: Avail tax benefits² as per prevailing tax laws.

Option: Smart Income

Pay your premiums for the chosen period

Choose the desired Sum Assured multiple that suits your preferences

You will have an option to choose your Early Guaranteed¹ Payouts start year

Regular Guaranteed¹ Payouts are paid at the beginning of policy year during the Income Period. Income period starts after the policy term.

The Guaranteed Payouts will be a percentage of Annualized Premium3

You will also receive Enhanced Return of premium4 (ROP) as 110% of Total Premiums5 paid at the end of the Income Period

¹1 Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.

²Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy

Maturity Benefit

On maturity, the Regular Guaranteed¹ Payouts expressed as a percentage of Annualized Premium³ will be paid over the chosen Income Period. Additionally, get Enhanced ROP⁴ at the end of the Income Period. At any time, the policyholder will have an option to take these Regular Guaranteed¹ Payouts and the Enhanced ROP⁴ as a lumpsum at a discounted rate.

The Policy will terminate immediately and automatically at the end of the Income Period. There is no life cover during the Income Period. The Regular Guaranteed¹ Payouts will continue to the nominee even if the life assured dies during the Income Period.

The nominee will also have an option to receive the remaining Regular Guaranteed 1 Payouts plus the Enhanced ROP⁴ as a lumpsum. The lumpsum amount shall be the present value of all outstanding future payouts at a discounted rate.

Note - If this option of taking lumpsum is exercised at the time of maturity, the interest rate applicable for calculating this shall be 9% p.a. whereas if this option is exercised post the start of Regular Guaranteed₁ Payouts, the interest rate applicable to calculate the present value will be benchmarked to the G-Sec based on the information from Financial Benchmark India Private Ltd (FBIL). For Income Periods 15 and below, the interest rate applicable for calculating shall be [10-year G-sec + 1%] p.a. rounded-up to the higher full interest rate. For Income Periods 20 & above, the interest rate applicable for calculating shall be [30-year G-sec + 1%] p.a. rounded-up to the higher full interest rate. The interest rate will be reviewed on an annual basis. Any change in bases used for determination of applicable interest rate will be subject to prior approval of IRDAI.

Death Benefit

You will have life cover during the Policy term. On Death the Sum Assured on Death⁷ plus AGP⁶ , if any shall be payable to the nominee as a lumpsum. At no time, the death benefit minus AGP⁶ , if any will be less than 105% of Total Premiums⁵ paid as on date of death, or the prevailing surrender value, whichever is higher. The policy will terminate immediately & automatically on the date of death. Death after Policy Term (during Income Period): The Maturity Benefits will continue to be paid, as applicable.

AGP: Accumulated Early Guaranteed Payout
³Annualized Premium shall be the premium amount payable in a year by the policyholder excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any ⁴Enhanced Return of Premium (ROP) will be paid at the end of Income period opted in the policy. The Return of Premium amount is total of all the premiums paid under the base policy, excluding any extra premium and taxes, if collected explicitly.
⁵Total Premiums means total of all the premiums paid under the base policy, excluding any extra premium and taxes, if collected explicitly
⁶Accumulation of Early Guaranteed Payouts (AGP) is an option to accumulate the Early Guaranteed Payouts (in-force or paid- up) in the policy instead of taking them as yearly payouts, please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.
⁷Sum Assured on Death is equal to Sum Assured i.e. SA Multiple X Annualized Premium | For details on Sum Assured Multiple, kindly visit the company website.

Eligibility Criteria

*Under Smart Income, Income Period 15 and Limited premium payment option is only available with EGP Start Year 1.
All ages mentioned above are age as on last birthday. Risk cover will commence immediately on the date of commencement of risk of the policy and, in the case of a minor life, policy will vest on the life assured on the earlier of attainment of majority (i.e., 18 years age last birthday) or on maturity date. For female lives, the age set-back of 3 years will be applicable for calculation of SA Multiple and Maturity Benefit/ Income payout.
Income Period will commence after the end of Deferment Period. The deferment period will be PT minus PPT (in years) Benefits will vary depending on the plan option chosen

Bajaj Life Insurance Limited (formerly known as Bajaj Allianz Life Insurance Company Limited)

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFER – IRDAI or its officials are not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Risk Factors and Warning Statements: Bajaj Life Insurance Limited and Bajaj Life Assured Wealth Goal Platinum are the names of the company and the product respectively and do not in any way indicate the quality of the product and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochures & policy document (available on www.bajajlifeinsurance.com) carefully before conducting a sale. Bajaj Life Assured Wealth Goal Platinum – A Non linked, Non participating, Individual Life Insurance Savings Plan. Regd Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006.. Reg. No.: 116. CIN: U66010PN2001PLC015959 | Mail us: customercare@bajajlife.com | Call us on Customer Care Number: 020-6712 1212 | Bajaj Life Assured Wealth Goal Platinum (UIN: 116N188V07), The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

Jana Small Finance Bank is a Corporate Agent for Bajaj Life Insurance Limited and is registered with Insurance Regulatory and Development Authority of India bearing registration number CA0606. This plan is offered and underwritten by Bajaj Life Insurance Limited. The purchase of an insurance plan by the customer is purely on voluntary basis.

Plan Name – Bajaj Life ACE (UIN: 116N186V03)

A Non linked, Participating, Individual Life Insurance Savings Plan

Key Features:

• Increasing Income: Option that provides increasing income in at 5% p.a. (on compounding basis) every year
• Early Income: Option to receive income as early as from the end of 1^st month of your Policy
• Decide if you prefer a level income or an increasing income
• Decide your income start year: Option to defer income for up to 5 years
• Decide your policy term from a wide range, i.e. 10 years to 100 years of age
• Life Cover with Tax Benefits^{^}

^{^}Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy

Early Income option:

Income Benefit: You are eligible to receive an income in the form of Cash bonuses³ that may be declared by the Company every year. You can opt to take this cash bonus³ (if declared) monthly/ yearly which gives you an income starting from the end of 1st month/ 1st year after the Deferment period of your Policy. In addition to the cash bonus³ , if declared, you shall also receive a Guaranteed² Income. The income benefit is payable for the entire policy term

Guaranteed² Income = Guaranteed² income factor of 4% X Benefit Sum Assured

Cash Bonus³ payable = Declared Cash Bonus³ Rate X Benefit Sum Assured

Deferment period: You will have an option to defer the start of your income by up to 5 years

Maturity Benefit: On maturity of the Policy, you will receive:

• Sum Assured on Maturity, i.e. 105% of Total premiums⁴ paid plus
• Accumulated Income benefits, if any earlier, plus
• Terminal bonus (if declared)

Death Benefit: In case of death of the Life Assured during the policy term, the death benefit will be paid as:

• Sum Assured on Death plus
• 105% of Accumulated Income benefits, if any earlier plus
• Terminal Bonus (if declared)

The Sum Assured on Death will be 11 times of Annualized premium⁵ . At no time the Death Benefit will be less than the Guaranteed² Death Benefit. If there is any shortfall, the same will be added to the Death Benefit

The death benefit will be paid-out as a lump-sum, and the policy will terminate if not opted to take the death benefit in installments.

²Conditions Apply - The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.

³Bonuses are not guaranteed and it depends on the Company's Performance.

⁴Total Premiums means total of all premiums paid under the policy, excluding any extra premium and taxes, if collected explicitly.

⁵Annualised Premium is premium amount payable in a year excluding taxes, rider premiums and underwriting extra premium on riders, if any.

Increasing Income Option

Income Benefit: You shall receive an income which comprises of a Guaranteed² Income and cash bonuses³ , if declared. This income is paid in arrears after the end of the Premium Payment Term and Deferment period and is payable till the end of policy term. These incomes will be declared as a percentage of the Benefit Sum Assured. Benefit Sum Assured is guaranteed² to increase at 5% p.a. (on compounding basis) every year. The increased Benefit Sum Assured will be used for calculation of respective year’s Guaranteed Incomes and Cash bonuses (if declared). Guaranteed Income shall be 2% of the Benefit Sum Assured.

Deferment Period: You will have an option to defer the start of your income by up to 5 years

Maturity Benefit: On maturity of the Policy, you will receive:

• Sum Assured on Maturity, i.e. 105% of total premiums⁴ paid, plus
• Accumulated Income benefits, if any plus
• Terminal Bonus (if declared)

Death Benefit: In case of death of the Life Assured during the policy term, The death benefit will be paid as:

• Sum Assured on Death plus,
• 105% of Accumulated Income benefits, if any plus
• Terminal Bonus (if declared)

The Sum Assured on Death will be 11 times of Annualised premium⁵ . At no time the Death Benefit will be less than the Guaranteed² Death Benefit. If there is any shortfall, the same will be added to the Death Benefit. The death benefit will be paid-out as a lumpsum, and the policy will terminate if not opted to take the death benefit in installments

²Conditions Apply - The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.

³Bonuses are not guaranteed and it depends on the Company's Performance.

⁴Total Premiums means total of all premiums paid under the policy, excluding any extra premium and taxes, if collected explicitly.

⁵Annualised Premium is premium amount payable in a year excluding taxes, rider premiums and underwriting extra premium on riders, if any.

Wealth Option

Maturity Benefit: On maturity, you will receive a lumpsum amount equal to:

• Maturity Sum Assured, i.e. Maturity Sum Assured Rate x Annualised Premium⁵ , plus
• Accrued Simple Reversionary Bonus (if declared), plus
• Terminal Bonus (if declared)

Death Benefit: In case of the Life Assured during the policy term, the death benefit will be paid as:

• Sum Assured on Death, plus
• Accrued simple reversionary bonus (if declared), plus
• Terminal Bonus (if declared)

The Sum Assured on Death will be 11 times of Annualised premium⁵ . At no time the Death Benefit will be less than the Guaranteed² Death Benefit. If there is any shortfall, the same will be added to the Death Benefit. The death benefit will be paid-out as a lumpsum, and the policy will terminate if not opted to take the death benefit in installments.

²Conditions Apply - The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure

⁵Annualised Premium is premium amount payable in a year excluding taxes, rider premiums and underwriting extra premium on riders, if any.

Deferred Income Option

Income Benefit: You shall receive an income which comprises of a Guaranteed² Income and cash bonuses³ , if declared. This income is paid in arrears after the end of the Premium Payment Term and Deferment period and is payable till the end of policy term.

Guaranteed² Income = Guaranteed² income factor of 4% X Benefit Sum Assured

Cash Bonus³ payable = Declared Cash Bonus³ rate X Benefit Sum Assured

Deferment Period: You will have an option to defer the start of your income by up to 5 years

Maturity Benefit: On maturity of the Policy, you will receive:

• Sum Assured on Maturity, i.e. 105% of total premiums⁴ paid, plus
• Accumulated Income benefits, if any plus
• Terminal Bonus (if declared)

Death Benefit: In case of death of the Life Assured during the policy term, The death benefit will be paid as:

• Sum Assured on Death plus
• 105% of Accumulated Income benefits, if any plus
• Terminal Bonus (if declared)

The Sum Assured on Death will be 11 times of Annualised premium⁵ . At no time the Death Benefit will be less than the Guaranteed² Death Benefit. If there is any shortfall, the same will be added to the Death Benefit. The death benefit will be paid-out as a lump-sum, and the policy will terminate if not opted to take the death benefit in installments.

²Conditions Apply - The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.

³Bonuses are not guaranteed and it depends on the Company's Performance.

⁴Total Premiums means total of all premiums paid under the policy, excluding any extra premium and taxes, if collected explicitly.

⁵Annualised Premium is premium amount payable in a year excluding taxes, rider premiums and underwriting extra premium on riders, if any.

Goal Protection Benefit

By opting for this benefit, you can ensure that your savings goal will remain intact even if you are not around. Thus, providing your family a financial protection net by continuing the benefit payouts to them as you have planned.

How the plan works if you have opted for Goal Protection Benefit:

On survival (until maturity): Your Income benefits and maturity benefit will be paid to you as and when due.

On Death of the Life Assured during the Premium Payment Term:

• The Sum Assured on Death plus 5% of accumulated income benefit, if any shall be paid immediately
• The policy will be continued, and no future premiums will be collected, and
• Your nominee will receive the Income benefits, if any, and maturity benefit as and when due till maturity
• Simple Reversionary Bonus, if any, will continue to accrue in the policy
• The accumulated Income benefits, if any, will remain accumulated in the policy

On Death of the Life Assured after the Premium Payment Term:

• The Sum Assured on Death plus 5% of accumulated income benefit, if any shall be paid immediately
• Your nominee will receive the Income benefits and maturity benefit as and when due till maturity
• Simple Reversionary bonus, if any, will continue to accrue in the policy
• The accumulated Income benefits, if any, will remain accumulated in the policy

Note: The product is also available without goal protection benefit

Eligibility Conditions

All ages mentioned above are age as on last birthday.

Risk cover (including for minor lives) will commence immediately on the date of commencement of risk in the policy. In the case of a minor life, the policy will vest on the life assured on the earlier of attainment of age 18 years age or maturity date.

For female lives, 2% markup will be available on Benefit Sum Assured.

Income Period will commence after the end of Deferment Period.

Minimum premium: Rs. 25,000 p.a.

Maximum premium: No limit (subject to Board approved underwriting policy) Minimum & maximum Sum Assured: 11 times of Annualised premium⁵

Benefit Sum Assured (BSA) is derived basis Age, Product option, GPB, DP, PT, PPT, Income period and premium chosen by the Policyholder Benefits will vary depending upon options chose

⁵Annualised Premium is premium amount payable in a year excluding taxes, rider premiums and underwriting extra premium on riders, if any.

Bajaj Life Insurance Limited (formerly known as Bajaj Allianz Life Insurance Company Limited)

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFER – IRDAI or its officials are not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Risk Factors and Warning Statements: Bajaj Life Insurance Limited and Bajaj Life ACE are the names of the company and the product respectively and do not in any way indicate the quality of the product and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochures & policy document (available on www.bajajlifeinsurance.com) carefully before conducting a sale. Bajaj Life ACE – A Non linked, Participating, Individual Life Insurance Savings Plan. Regd Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006. Reg. No.: 116. CIN: U66010PN2001PLC015959 | Mail us: customercare@bajajlife.com | Call us on Customer Care number: 020-6712 1212 | Bajaj Life ACE (UIN: 116N186V03), The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo.

The risk factors of the bonuses projected under the product are not guaranteed | Past performance of the Company doesn't construe any indication of future bonuses | The product is subject to the overall performance of the Company in terms of investments, management of expenses, mortality and lapses.

Jana Small Finance Bank is a Corporate Agent for Bajaj Life Insurance Limited and is registered with Insurance Regulatory and Development Authority of India bearing registration number CA0606. This plan is offered and underwritten by Bajaj Life Insurance Limited. The purchase of an insurance plan by the customer is purely on voluntary basis.

Jana Small Finance Bank Limited offers as a Corporate Agent of Bajaj General Insurance Limited, SBI General Insurance Company Limited & ICICI Lombard General Insurance Co. Ltd, which provide a wide range of Health Insurance solutions to meet our medical urgency expenses.

Group Mediclaim

A health insurance policy covering a group of people, typically employees of a company, members of an organization, or a family.

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Group Mediclaim

A health insurance policy covering agroup of people, typilcally emplyees of a company, members of an organisation, or a family.

APPLY NOW

Personal Accident

A type of insurance that provides financial protection in case of an accident that results in injury, disability, or death.

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×

Personal Accident

A type of insurance that provides financial protection in case of an accident that results in injury, disability, or death.

APPLY NOW

Mediclaim Insurance

Mediclaim Insurance is a health insurance policy that covers medical expenses incurred due to illness, injury, or hospitalization.

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×

Mediclaim Insurance

Mediclaim Insurance is a health insurance policy that covers medical expenses incurred due to illness, injury, or hospitalization.

ICICI Lombard	ELEVATE	APPLY NOW
Bajaj General Insurance	MHCP	APPLY NOW
SBI General Insurance	Arogya Protect	APPLY NOW

Top Up Cover

A Top-Up Cover is a type of health insurance policy that provides additional coverage over and above your existing base health insurance plan.

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×

Top Up Cover

A Top-Up Cover is a type of health insurance policy that provides additional coverage over and above your existing base health insurance plan.

APPLY NOW

Hospicash

Hospicash is a type of health insurance policy that provides a fixed daily cash benefit in the event of hospitalization.

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×

Hospicash

It is a type of insurance that gives a pre-determined day by day amount, in any case of hospitalisation. (min 24 hours)

Bajaj General Insurance

Arogya Suraksha

APPLY NOW

Protect what matters most with our wide range of general insurance solutions designed for individual, family, businesses across India. Choose smart insurance today and experience the confidence of being well protected anytime, anywhere.

Motor Insurance

Insurance that provides financial protection against damages or losses caused by accidents, theft, or other unforeseen events involving your vehicle.

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×

Motor Insurance

Insurance that provides financial protection against damages or losses caused by accidents, theft, or other unforeseen events involving your vehicle.

ICICI Lombard	APPLY NOW
Bajaj General Insurance	APPLY NOW
SBI General Insurance	APPLY NOW

Travel Insurance

Insurance designed to provide financial protection against unexpected events that may occur while you’re traveling, both domestically and internationally.

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×

Travel Insurance

Insurance designed to provide financial protection against unexpected events that may occur while you’re traveling, both domestically and internationally.

ICICI Lombard	APPLY NOW
Bajaj General Insurance	APPLY NOW
SBI General Insurance	APPLY NOW

Home Insurance

Insurance that provides financial protection for your home and its contents in the event of damage, theft, or other unexpected incidents.

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×

Home Insurance

Insurance that provides financial protection for your home and its contents in the event of damage, theft, or other unexpected incidents.

ICICI Lombard	APPLY NOW
Bajaj General Insurance	APPLY NOW
SBI General Insurance	APPLY NOW

Fire Insurance

Insurance covering damage or loss to property, financial losses damages to home, business, or other property due to fire.

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×

Fire Insurance

Insurance covering damage or loss to property, financial losses damages to home, business, or other property due to fire.

ICICI Lombard	APPLY NOW
Bajaj General Insurance	APPLY NOW
SBI General Insurance	APPLY NOW

Marine Insurance

Marine Insurance is a specialized type of insurance that provides coverage for goods, ships, and cargo while they are in transit by sea or other navigable waters.

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×

Marine Insurance

Marine Insurance is a specialized type of insurance that provides coverage for goods, ships, and cargo while they are in transit by sea or other navigable waters.

ICICI Lombard	APPLY NOW
Bajaj General Insurance	APPLY NOW
SBI General Insurance	APPLY NOW

Life is unpredictable, but yours future shouldn’t be.

Life insurance is your safety net – offering stability even when life takes unexpected turns. In India, where family comes first, life insurance ensures your loved one stays protected, debts are covered, and dreams stay alive – even in your absence.

Endowment Plans

It’s type of life insurance that also serves as an investment plan, providing life coverage while helping to grow wealth.

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×

Endowment Insurance Plans

ICICI Prudential	Ipru GOLD	APPLY NOW
Bajaj life Insurance	Assured Wealth Goal Platinum	APPLY NOW
Kotak Life Insurance	Assured Savings	APPLY NOW

Children Plans

Policies for your child’s future combining insurance and investment. Designed for financial support during major milestones like education, marriage, or other important goals.

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×

Child Insurance Plans

ICICI Prudential	ASIP	APPLY NOW
Kotak Life Insurance	Guaranteed Fortune Builder	APPLY NOW

Term Plan

Plan designed to provide financial protection to the policyholder’s beneficiaries in the event of their demise.

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×

Term Insurance Plans

ICICI Prudential	IPS+	APPLY NOW
Bajaj life Insurance	eTouch II	APPLY NOW
Kotak Life Insurance	E-Term	APPLY NOW

ULIP Plan

Plan that blends life insurance and investment. With life coverage always opportunity to invest in market linked instruments.

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×

ULIP Plan

ICICI Prudential	Signature	APPLY NOW
Bajaj life Insurance	Invest Protect Goal III	APPLY NOW
Kotak Life Insurance	Kotak T.U.L.I.P	APPLY NOW

Pension Plan

Plans that ensure you have a steady income stream after you stop working, providing financial security in your later years.

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×

Pension Plan

ICICI Prudential	GPS	APPLY NOW
Bajaj life Insurance	Guaranteed Pension Goal II	APPLY NOW
Kotak Life Insurance	Assured Pension	APPLY NOW

Why Insurance?

• Financial Security
• Tax Benefit
• Savings and Investment
• Peace of Mind

Insurance is a promise of protection - a financial shield that stands between you and life's uncertainties. It transforms unexpected risks into manageable moments by offering support, security and peace of mind when you need it the most.

We at Jana Bank offers 5 major categories of insurance through trusted third-party Insurance products.

Health Insurance

• Mediclaim Insurance
• Personal Accident
• Group Mediclaim
• Top Up Cover
• Hospicash

VIEW DETAILS   

General Insurance

• Motor Insurance
• Travel Insurance
• Home Insurance
• Fire Insurance
• Marine Insurance

VIEW DETAILS   

Life Insurance

• Endowment Plan
• Children Plan
• Term Plan
• ULIP Plan
• Pension Plan

VIEW DETAILS   

Government Schemes

• Pradhan Mantri Jeevan Jyoti Beema Yojana
• Pradhan Mantri Suraksha Beema Yojana
• Atal Pension Yojana

VIEW DETAILS   

About the Campaign

This festive season, experience great services, earn attractive interest rates and also get an Amazon pay gift card worth ₹ 250.

HURRY, book your FD today to avail the offer.

Campaign Duration:

• Start Date: 19th October, 2020
• End Date: 15th November, 2020
• Both days inclusive

Eligible customer details announced

Eligibility Criteria

Existing To Bank (ETB) Customers:

• The Account should have been opened, activated and approved before 19th October, 2020.
• • Customer should open a Fixed Deposit of minimum ₹2,50,000 for a minimum tenure of 180 days and above;
  • Customer should maintain ₹50,000 in his/her Savings account till 14th November, 2020 from the date of FD Booking.

-OR-

New To Bank (NTB) Customers:

• The Account should have been opened, activated and approved on or after 19th October,2020.
• • Customer should open a Fixed Deposit of minimum ₹2,50,000 for a minimum tenure of 180 days and above.
  • Customer should maintain ₹10,000 in his/her Savings account till 14th November, 2020 from the date of FD Booking.

Please note: Customers participating in the Campaign on or after 1st November,2020 will have to maintain the SA Balance till 30th November, 2020.

Terms & Conditions:

• The Campaign from JSFB is for the potential and existing customers of JSFB to open a savings account, maintain savings balance and book fixed deposit(s) and subject to these terms and condition.
• Campaign starts on 19th October, 2020 and ends on 15th November, 2020 with both days inclusive.
• Customers will become eligible for an Amazon pay gift card maximum worth of ₹250 (on a first come first serve basis) after booking a Fixed Deposit of amount ₹2,50,000 for a minimum tenure of 180 days and maintaining a balance of :-
  • 50,000 in his/her savings account till 14th November, 2020 from the date of FD Booking. (For ETB customers)
  • 10,000 in his/her savings account till 14th November, 2020 from the date of FD Booking. (For NTB customers)
• The deposit should be booked anytime between 16th October, 2020 to 15th November, 2020 and the balance in the savings account should be maintained till 14th November, 2020 end of day.

  Please note: For customers participating in the Campaign on or after 1st November, 2020 will have to maintain the balance till 30th November, 2020.

• The Fixed Deposit(s) can be either booked in a Single Fixed Deposit or multiple Fixed Deposits totalling to ₹ 2,50,000 respectively in the name of the customer linked to the same URN.
• The Fixed Deposit amount has to be booked for a minimum tenor of 180 days with the Bank. (Any premature closure attracts penal charges as per the bank’s FD policy).
• The Savings balance has to be maintained till 14th November, 2020 from the date booking of the Fixed Deposit.

  Please note: For customers participating in the Campaign on or after 1st November, 2020 will have to maintain the balance till 30th November, 2020.

• The customers will be eligible in the order of booking the Fixed Deposit and maintaining the balance required to qualify for the Campaign, i.e., on first come first serve basis.
• The gift cards will be allocated in the order of fulfilment of the Campaign criteria.
• Earlier the Fixed Deposit is booked and balance is maintained, the higher the chances of the customer to get a gift card.
• Select and limited number of vouchers are available for the campaign.
• A total of 2000 gift cards will be available for existing customers and a total of 2000 gift cards will be available for new customers each.
• One customer will be eligible for one voucher only.
• Customers will be communicated about the campaign through SMS, E-Mail and/or Call.
• Names of the customers will be announced after 30 days of the Campaign.
• Customers who have received a voucher for “DIGIGEN- Smart Banking” Campaign or received a Covid-19 Policy for “Father’s Week Campaign” or “Independence Fortnight Campaign” will not be eligible for JK-2 Campaign.
• The gift cards will be e-mailed to the winners on their registered E-mail ID within 45 Days of result announcement. It is the responsibility of the customer to ensure that the correct e-mail id is updated with the bank.
• Jana Small Finance Bank reserves the right to modify, cancel, extend or discontinue the campaign and/or these terms and conditions or any part thereof at any time without prior notification and Jana Small Finance Bank is not responsible for any third party products, goods, services and offers.
• Staff and/or relatives of employees of Jana Small Finance Bank will not be eligible to be part of any contest or promotional campaigns run by Jana Small Finance Bank.
• All issues pertaining to this Campaign to be raised within 60 days from the announcement of the Campaign. If any dispute or complaint or query raised after 60 days then the same will not be entertained.
• Any issues or dispute relating to this Campaign shall be governed under Indian laws and are subject to exclusive jurisdiction of Bengaluru Courts.
• Intra bank transfer will not be eligible for offer (Jana Small Finance Bank to Jana Small Finance Bank )
• This Campaign is voluntary and by participating in the campaign, you are deemed to have read, understood and accepted these Terms and Conditions.
• For more detailed Terms and Conditions for Fixed Deposits, please visit: https://www.jana.bank.in/deposits/regular-fixed-deposit/
• For more detailed Terms and Conditions for Amazon gift card, please visit : https://www.jana.bank.in/images/PDF/Amazon-TandC.pdf

Domestic Money Remittance

We understand the challenges that a common man faces to send money to their family or friends and that is the reason we as a Bank always strive to provide an unparalleled banking experience through our simple remittance services that is easily accessible anytime at your nearest Jana Small finance Bank or Business correspondent (BC) outlet.

Domestic money remittance enables walk in customers who do not have a bank account to transfer funds to any bank account, anywhere in the country. We offer direct money transfer service within India for all our customers with or without a bank account and also with minimum required data from the customer making sure that urgency and apprehensions of the customer don’t go unaddressed during the processes.

Jana Small Finance bank also utilizes the Business Correspondent (BC) model to bring the transaction touch-point closer to this set of customers that is available even at non-banking hours. The money, received by the BC agent, is transfer processed by the Bank using Immediate Payment service (IMPS) technology.

Limits and Charges

Features and Benefits

• Send money instantly
• Safe and secure transaction
• Transfer can occur during non-working days and on non-business hours.
• Free notification for all successful transactions

Eligibility Criteria

• Any Customer with an active mobile number can walk in and use the DMR facility

How to apply

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

For Terms and conditions, please visit the nearest Jana Small Finance bank branch or
call customer care at 1800 2080.