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Dear Customers,

Thank you for your trust and your bank continues to grow steadily and safely.

The COVID crisis has brought about an unexpected and stressful time for all of us both personally as well for our businesses, families and employers. It is important that we navigate this crisis together safely and sensibly.

In support of all our customers and in line with Reserve Bank of India (RBI) guidelines in response to COVID-19 related crisis, we would like to announce the following relief package to our customers across our entire product offering: Group Loans, Individual Loans, Agricultural Loans (both Individual & group), Business Loans, Affordable Housing Loans & MSME Loans.

Key Points:

1. To make it easy we are providing a moratorium on your Equated Monthly Instalment (EMI) due in March 2020, April 2020 & May 2020 till 31st May 2020. In case you have already paid the March month EMI, the moratorium will be for two months. Your loan tenor will be extended by the number of months you will avail the moratorium.

2. If you are financially comfortable, we would recommend that you do not avail this moratorium and continue to pay your EMI/s. This will mean a lower cost of interest on your loan as well as an early closure of your loan.

3. To help you do this i.e. not avail the moratorium, you may ‘Opt out’ of this moratorium by using one of the mentioned options:

  • Respond to our SMS with your ‘Opt out’ option from your registered mobile number, or
  • Call our contact centre, or
  • Approach your branch, or
  • Send us an e-mail mentioning your loan account number and ‘Opt out’ option from your registered e-mail address

4. In addition to standard loan instalment repayment methods, now you can pay your loan instalment from the comfort of your home using our newly launched UPI QR code method. To understand how to generate your loan UPI QR code and make payment, please visit https://youtu.be/C3bYnr7kV0U

5. In case you decide to avail the moratorium, then interest will continue to accrue on the availed deferred instalments, at the contracted rate for the respective loan/s. The said interest will be collected as per applicable interest rate from you along with the last instalment of the loan. Please note that your credit score will not be impacted on account of your availing this deferment or moratorium.

6. Please note that in case you have overdues on your loan account up to 29th February, 2020:

  • Moratorium will be provided only for instalments of loan which are due between 1st March 2020 and 31st May, 2020,
  • There is no moratorium on your overdues prior to 1st March, 2020.
  • You may repay these overdue amounts to reduce the interest burden
  • These overdue amounts will continue to attract all charges including penal interest, as applicable
  • The Bank retains the right to commence / continue any recovery proceedings (including appropriate legal action) until such overdues are cleared.
  • For all customers, whose accounts were standard, including SMA, as on February 29, 2020 and who have been provided with moratorium for the instalments falling due between March 1, 2020 and May 31, 2020, moratorium period will be excluded from computation of number of days past due for the purpose of asset classification.
  • Similarly, for working capital CC/OD accounts where deferment of interest has been granted, Such deferment period, wherever granted in respect of all facilities classified as standard, including SMA, as on February 29, 2020, shall be excluded for the determination of out of order status.
  • The moratorium/deferment granted to borrowers will not be categorised as default on the part of borrowers for the purposes of supervisory reporting and reporting to credit information companies (CICs).
  • The relief given as above as per the special dispensation given by RBI will not result in any downgrade of asset classification till 31st May 2020.

Kindly pay these overdues immediately using our standard instalment repayment methods including newly introduced loan account UPI QR code based payment method.

7.For all Overdraft working capital accounts, your monthly payable interest will be deferred for the mentioned 3-month period ending 31st May, 2020. The accumulated interest for this deferment period needs to be serviced by you immediately after the moratorium period, in the month of June 2020.

8.We shall also be reaching out to you on your registered mobile number / e-mail address to reiterate this information, provide you information to “opt out’ of this moratorium.

We thank you for your continued patronage and would be happy to support your service requests during this phase as well.

Stay Safe, Stay Healthy

Warm regards,

Team Jana Small Finance Bank

UPI QR code based EMI payment tutorial videos: Language option and links

Hindi - https://youtu.be/gFSykALqxbg

Bengali - https://youtu.be/3GlApo9wcE0

Assamese - https://youtu.be/MwiChjDVzUw

Gujarati - https://youtu.be/d0eZqyJ4PoQ

Kannada - https://youtu.be/AhAp1SlUiz4

Marathi - https://youtu.be/On-YSUFn_y0

Odia - https://youtu.be/hbBkVxZgc4o

Tamil - https://youtu.be/dLO5HBBtr4Y

Jana Small Finance Bank uses the Unified Payment Interface (UPI) for its payment service on Jana’s website. The solution enables you to credit your loan account held with Jana Small Finance Bank through your UPI-linked application. It ensures a fast and swift transfer of money with direct credit to your loan account.

Service Benefits

FEATURES BENEFITS
Convenient Facility
  • Transfer money easily using any UPI linked PSP app
  • Repay your loan instantly and digitally
Easy QR code generation
  • The payer need to just enter his loan account number in the Jana Small Finance Bank’s website which will fetch all the details automatically with a final QR code unique to your Loan account held with Jana Small Finance Bank.
Flexible Payment Options
  • No lower limit for transfer
  • 24X7 facility for send or receive fund

Eligibility Criteria

  • Must be a smartphone user
  • Must hold a Loan account with Jana Small Finance Bank.

How to Use

Follow the steps given below to download and use the service:

  • Step 1. Click on https://janabank.sarvatra.in/public/account#step-1
  • Step 2. Enter your Loan account no. with Jana Bank
  • Step 3. Read the terms & conditions and click on agree to proceed
  • Step 4. Click on proceed for the details of your loan
  • Step 5. Verify your loan details and proceed to generate QR code
  • Step 6. Download/Take a print out of the QR code
  • Step 7. Verify the QR code with the “J” logo in the QR code and your name
  • Step 8. Scan the QR with any UPI applications available on your handheld devices
  • Step 9. Verify it with your loan account number and name
  • Step 10. Make your payment with UPI PIN

For any details call your respective Relationship Manager/Toll Free No.1800 4200

Terms & Conditions

Jana Small Finance Bank uses the Unified Payment Interface (UPI) for its payment service on Jana’s website. The solution enables you to credit your loan account held with Jana Small Finance Bank through your UPI-linked application. It ensures a fast and swift transfer of money with direct credit to your loan account.

Service Benefits

FEATURES BENEFITS
Convenient Facility
  • Transfer money easily using any UPI linked PSP app
  • Repay your loan instantly and digitally
Easy QR code generation
  • The payer need to just enter his loan account number in the Jana Small Finance Bank’s website which will fetch all the details automatically with a final QR code unique to your Loan account held with Jana Small Finance Bank.
Flexible Payment Options
  • No lower limit for transfer
  • 24X7 facility for send or receive fund

Eligibility Criteria

  • Must be a smartphone user
  • Must hold a Loan account with Jana Small Finance Bank.

How to Use

Follow the steps given below to download and use the service:

  • Step 1. Click on https://janabank.sarvatra.in/public/account#step-1
  • Step 2. Enter your Loan account no. with Jana Bank
  • Step 3. Read the terms & conditions and click on agree to proceed
  • Step 4. Click on proceed for the details of your loan
  • Step 5. Verify your loan details and proceed to generate QR code
  • Step 6. Download/Take a print out of the QR code
  • Step 7. Verify the QR code with the “J” logo in the QR code and your name
  • Step 8. Scan the QR with any UPI applications available on your handheld devices
  • Step 9. Verify it with your loan account number and name
  • Step 10. Make your payment with UPI PIN

For any details call your respective Relationship Manager/Toll Free No.1800 4200

Terms & Conditions

Thank you for referring your loved ones.

Have a great day ahead!

Do feel free to reach us at 1800 2080


With Best Regards,
Team Jana

BE SMART!
Take loan from formal institutions.

Here’s why you should seek credit from formal institutions:

  • Banks and registered finance companies are regulated by RBI
  • Grievance Redressal in case of non-adherence to fair practices
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BE RESPONSIBLE!
Make sure you pay EMIs and dues on time.

Here’s how you can be a responsible borrower:

  • Repay on time and build a good credit history
  • Honour your commitment and build trust with your lending institution
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BE WISE!
Borrow only as much as your ability to repay

Here’s how you can get the most out of your loan:

  • Use the loan amount for the purpose for which it has been taken
  • Monitor your dues and make timely repayments
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Visit www.rbi.org.in/flw for more details

*Terms and conditions Apply. Contact your Bank for more details.

Tamal Bandyopadhyay

Senior Advisor

 

Thank you for submitting the details. We will get in touch with you shortly.

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 to report a fraud.

Save on your taxes by investing in Jana Bank’s Tax Saver Fixed Deposit. You can avail tax deduction upto ₹1,50,000 under Section 80C of Income Tax Act, 1961

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates

Please click here for the interest rates.

Deposit Amount
  • Minimum Amount - ₹100
  • Maximum Amount - ₹1,50,000
  • Maximum amount is for respective Financial Year only
Type of Deposit
  • Cumulative
Tenure
  • 5 Years(1825 Days)–
    (No premature withdrawal allowed)

Terms and Conditions:

1. As per the Term deposit scheme, 2006, issued by the Government of India, the above Fixed Deposit scheme will not have the following facilities:

2. Premature withdrawal, Loan/Overdraft against Fixed Deposit and Auto-renewal facility.

3. Only Primary holder of the deposit can avail the deduction from income under section 80C of the Income Tax Act, 1961

4. All other terms and conditions of Regular Fixed Deposit will be applicable

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can open a Fixed Deposit account.
  • Following are the types of customers who can open fixed deposit accounts: Individuals and HUF (Hindu Undivided Family)

1. Click here to download the FATCA declaration form

2. Fill up the form with relevant details.

3. Attach a signed copy of any of the below OVDs along with the form:

    i. Driving license

    ii. Passport

    iii. PAN Card

    iv. Voter ID Card

4. There are three ways of submitting the form to Jana Bank:

    i. Visit to the nearest Jana Small Finance Bank branch and submit the declaration. Click Here to locate the nearest bank branch.

    ii. Scan and send the soft copy of the fully filled form to customer.kyc@jana.bank.in.

Note:- Please ensure that the scanned copy is sent from your registered email id

    iii. Or Send the hard copy to the below address:.

       Biju Joe / Nusrat Banu,
       Central Processing Centre,
       Jana Small Finance Bank Ltd.
       #11, 5th Floor, Divyashree Chambers,
       O’Shaughnessy Road,Near Hockey Stadium,
       Bengaluru-560025

5. In case of any query please call 18002080

Real Time Gross Settlement (RTGS) is the continuous (real-time) settlement of funds individually on an order by order basis (without netting). 'Real Time' means that the processing of instructions is done immediately at the time they are received rather than at some later time. 'Gross Settlement' means the settlement of funds transfer instructions occurs individually (on an instruction by instruction basis). The funds settlement takes place in the books of the Reserve Bank of India and thus the payments are final and irrevocable.

Channels for Transacting

  • Mobile Banking (MB)
  • Retail Internet Banking (RIB)
  • Corporate Internet Banking (CIB)

Limits and Charges

Transaction Limit RTGS
Daily Minimum Limit for Channel (MB & RIB) INR 2 Lakhs
Daily Maximum Limit for Channel (MB & RIB) INR 10 Lakhs
Daily Minimum Limit for Branch INR 2 Lakhs
Daily Maximum Limit for Branch NA
*For CIB, maximum limits are applicable based on corporates requirement

Click here to view the Schedule of Charges.

RTGS Transaction Timings

Monday to Saturday: 7 a.m. to 5 p.m. (Except 2nd and 4th Saturdays and other holidays declared by RBI)

Terms & Conditions



In line with objective of ensuring greater financial inclusion and increasing the delivery of financial services, Jana Small Finance Bank has appointed the following institutional Business Correspondents.

Business Correspondent States of Business BC Outlet Details
Atyati Technologies Pvt. Ltd. Bihar, Odisha, Rajasthan, Gujarat, Chhattisgarh, Madhya Pradesh, West Bengal, Assam BC Outlet Details
Swabhiman Finance Pvt. Ltd. Uttar Pradesh BC Outlet Details
VK Ventures Pvt. Ltd. Gujarat, Rajasthan, Madhya Pradesh, Maharashtra BC Outlet Details
Rapipay Fintech Pvt. Ltd. Delhi, Assam, Gujarat, Telangana, Tamil Nadu, Karnataka, Punjab, Haryana, Maharashtra, Rajasthan, West Bengal, UP RapiPay Fintech Private Limited A-8, 8th Floor, Q-Tower, Sector 68, Noida, Uttar Pradesh 201309

Business Correspondent Details (Asset Business) Download


We are happy to announce the winners of the Jana Festive Rewards Campaign. Click here to view the winners

About the Campaign

This festive season, experience great services, earn attractive interest rates and also win a Myntra e-voucher worth ₹250.

Deposit ₹25000 or more in your Jana Account from 18 to 31, October 2019 and maintain this additional balance till 31, October 2019 to be eligible to win the voucher. Hurry, fund your account today to avail the offer.

Earlier you deposit, better the chance to get the vouchers!


*Terms and Conditions:

  • JANA SMALL FINANCE BANK is launching a campaign for select JANA BANK customers whose accounts have been opened and activated before 1st October, 2019.
  • Campaign starts on 18th October, 2019 and ends on 31st October, 2019 with both days inclusive.
  • Customers will become eligible to win the voucher after adding at least ₹25,000 (Cumulatively) to his/her account and then maintain that additional ₹25,000 in his/her respective account during the campaign period. The additional amount deposited has to stay in the account till 31st October,2019. As a reward for this additional funding, the customer would be eligible to win the voucher worth ₹250 from Myntra.
  • The vouchers will be allocated in the order of additional funds [i.e. ₹25,000/-] deposited in customers account
  • Earlier the additional funds are deposited in the account, the higher the chances of the customer to win the voucher
  • In case the customer deposits the additional funds, takes it out and again deposits the additional fund, then the last day of deposit will be considered for the campaign
  • Select and limited number of vouchers are available for the campaign
  • One customer will be eligible to win one voucher only
  • Customers will be communicated about the campaign through SMS, E-Mail and/or Call
  • Winners will be announced within 15 days after the end of campaign
  • The e-vouchers 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 email 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.
  • This Campaign is voluntary and by participating in the campaign, you are deemed to have read, understood and accepted these Terms and Conditions.
  • 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.
  • Intra bank transfer will not be eligible for offer (JANA SMALL FINANCE BANK to JANA SMALL FINANCE BANK).
  • Terms and Conditions for MYNTRA VOUCHERS:
    • Get ₹250 off on the Myntra application or website on spends of ₹999 or more valid till 31st December 2019 only on a selected catalogue for Jana Bank customers - https://www.myntra.com/myntra-special
    • Maximum discounts, i.e., product discount and coupon discount, are subject to product level cap enforced by seller.
    • The code can be used once per Customer.
    • This offer is not valid at any of the alliance partner retail outlets/stores.
    • Multiple coupons cannot be clubbed in a single order.
    • The balance amount, after the discount is availed, will have to be paid by the customer at the time of purchase.
    • In no case, whatsoever, can the discount amount be refunded, en-cashed or partly en-cashed
    • Myntra's Return and Exchange Policy offers you the option to return or exchange items purchased on Myntra's application within 30 days of the receipt. In case of return of the purchased item, please refer to the “Return Policy” on the website/ application or call Myntra Customer care.
    • All orders would be subject to availability at the time of purchase and will be governed by the standard terms and conditions listed on the Application.
    • All disputes arising out of or in connection to this scheme are subject to exclusive jurisdiction of the courts in Bangalore only

Disclaimer: Myntra is not responsible for any typographical error leading to an invalid coupon

Jana Small Finance Bank Financials

FY 2026-27

FY 2026-27

     
Financial Statements- June 2026 View now

FY 2025-26

     
Financial Statements- March 2026 View now
     
Financial Statements- December 2025 View now
     
Financial Statements- September 2025 View now
     
Financial Statements- June 2025 View now

FY 2024-25

     
Financial Statements- March 2025 View now
     
Financial Statements - December 2024 View now
     
Financial Statements - September 2024 View now
     
Financial Statements - June 2024 View now

FY 2023-24

     
Financial Statement and Audit Report March – 2024 View now
     
Financial Statements December - 2023 View now
     
Financial Statements September - 2023 View now
     
Financial Statements June – 2023 View now
     

FY 2022-23

     
Audited Annual Financial Report FY 2022 -23 View now
     
Financial Statement and Audit Report March – 2023 View now
     
Financial Statements December – 2022 View now
     
Financial Statements September – 2022 View now
     
Financial Statements June - 2022 View now

FY 2021-22

     
Financial Statement and Audit Report March – 2022 View now
     
Financial Statements December - 2021 View now
     
Financial Statements September - 2021 View now

FY 2020-21

     
Financial Statements 2020-21 View now

FY 2019-20

     
Financial Statements 2019-20 View now
     
Corporate Presentation 2019-20 View now

FY 2018-19

     
Financial Statements 2018-19 View now

FY 2017-18

     
Financial Statements 2017-18 View now
           

We are delighted to know that you are interested in Jana Small Finance Bank’s Fixed Deposit. The interest rates on our Fixed Deposits is amongst the best in the industry.

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

We are delighted to know that you are interested in Jana Small Finance Bank’s Fixed Deposit. The interest rates on our Fixed Deposits is amongst the best in the industry.

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

We are delighted to know that you are interested in Jana Small Finance Bank’s Fixed Deposit. The interest rates on our Fixed Deposits is amongst the best in the industry.

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

We are delighted to know that you are interested in Jana Small Finance Bank’s Fixed Deposit. The interest rates on our Fixed Deposits is amongst the best in the industry.

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

We are delighted to know that you are interested in Jana Small Finance Bank’s Fixed Deposit. The interest rates on our Fixed Deposits is amongst the best in the industry.

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

We are delighted to know that you are interested in Jana Small Finance Bank’s Fixed Deposit. The interest rates on our Fixed Deposits is amongst the best in the industry.

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

Jana Diwas is observed every year to celebrate and highlight financial independence of customers. We are honoured that Mr. Krishnamurthy Subramanian, Chief Economic Advisor, Government of India, will grace the occasion as Guest of Honour.

With the help of a distinguished jury co-chaired by Dr. D. Subbarao, former Governor RBI, and Mr Vinod Rai, former CAG, the most inspirational customer stories have been selected for awards. A few of these customers will be present to share their stories.

Staying focused on the issue of financial inclusion there will be a discussion by eminent panellists from the government and industry on the topic of ‘Connecting High Street to Last Mile.’ The event will be aired nationally on ET Now & Times Now.


Guest of Honor

Mr. Krishnamurthy Subramanian

Chief Economic Advisor to the Government of India

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Guest of Honor

Mr. Krishnamurthy Subramanian

Chief Economic Advisor to the Government of India

Eminent Panelist

Mr. Sudarshan Sen

Former Executive Director, Reserve Bank of India

Mr. P S Jayakumar

MD & CEO, Bank of Baroda

Ms. Jayshree Vyas

MD, SEWA Bank & Independent Director, BSE

Mr. Krishnan Dharmarajan

Executive Director, Center for Digital Financial Inclusion

Mr. Alok Misra

Professor, Public Policy & Governnance, MDI, Gurgaon

MODERATED BY:

Mr. Mihir Bhatt

Chief Editor-IPs, Times Network

Customer Jury

On August 21, we felicitate a few of our customers, who are chosen through a careful selection process. Customer stories from across the country, reviewed by a jury based on certain criteria, and shortlisted. The finalists, along with their families, are our special guests at the event on Jana Diwas.

Mr. D Subbarao

Former Reserve Bank of India governor

Mr. Vinod Rai

BCCI & Former Comptroller & Auditor General of India

Mr. Anand Sinha

Chief Information Officer

Dr. Nandkumar Jairam

Chairman, CEO & GMD, Columbia Asia Hospitals

Mr. Tamal Bandhyopadhyay

Advisor to Jana Small Finance Bank

Employee Jury

Exemplary employee stories are showcased at Jana Diwas and they are felicitated at the event. These inspiring stories were judged by an eminent jury comprising of:

Mr. Ajit Issa

Chief Operating Officer, Quess Corp Limited.

Mr. Robin Bhowmik

Chief Business Officer, Manipal Global Academy

Mr. Ram Kumar

Founder & CEO, Leadership Centre


Jana Small Finance Bank, erstwhile Janalakshmi Financial Services (JFS), is headquartered in Bengaluru and has over a decade of existence.

It is one of the 10 financial institutions which had received in-principal approval from the RBI for a Small Finance Bank in 2015. Jana Small Finance Bank received final banking license in April 2017; it started banking operations on March 28, 2018.

Currently, the bank is serving 3.6 million customers across 20 states and Union Territories in India. Its vision is to become the leading inclusive digitized bank serving all customer segments and communities of an aspirational India.

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Contact us for more details - corp.comm@jana.bank.in

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X Disclaimer Now you are entering into the external website link outside the Jana Small Finance Bank website. The purpose behind providing the link is only for the convenience of the customers. Jana Small Finance Bank do not stand to gain from it monetarily, directly or indirectly, in the way of fees or commissions or otherwise, when our customers view the offers made by the merchant or when our customers make any purchases. Customer shall visit the external website with their own risk and Jana Small Finance Bank shall not have any liability for the same.

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We are delighted that you are interested in Gold Loan from 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

Be a wise farmer

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Intelligent farmers depend on banks for their financial needs

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Farmers can now use banking services without fear

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Salary account is designed for people from the salaried class. These accounts are for employees of corporate institutions. This product has a wide range of benefits and services, as well as seamless access to secure Net Banking and Mobile Banking services. Salary account provides you access to your account anytime, anywhere through robust banking services and transactional benefits.

Key Benefits

FEATURES BENEFITS
Average Monthly Balance
  • Nil
Rate of Interest
RuPay Debit Card
  • Rupay Platinum Debit Card with high ATM Withdrawal and POS Limit
Cash Withdrawal Limit at Branches
  • Unlimited cash withdrawal with no cap on amount and number of transactions
Mobile Banking App
  • Mobile Banking App to transact comfortably

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can have a Salary Account
  • Individual customers can open Salary Accounts introduced by their employer

How to Apply

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

Required Documents

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



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

Thank you for your interest. Simply leave your details below to get a call back from our customer care.

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

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Jana Small Finance Bank offers home loans which are designed to fulfil all your housing finance/mortgage requirements. You can avail Home Loans for Resale purchase/ flat or apartment purchase/ residential plot purchase plus construction/self-construction and even for re-financing existing loans you may have availed from other banks or housing finance companies. Apart from this you can also avail Loan against property(LAP) and loans for purchase of commercial property/shops.

Key Benefits

FEATURES BENEFITS
Loan Amount & Tenure
  • Avail maximum Loan up to 3 crores for a tenure of up to 30 years
Multiple variants

You can avail home loan for a variety of purposes based on your requirement such as:

  • Purchase a house / flat
  • Purchase a plot for construction of a house
  • Balance Transfer & Top-Up
  • Loan Against Property
  • Commercial Purchase
  • Home Improvement
Attractive Interest Rate

We offer the following interest rates:

  • Housing Loan - 9.75%-16.75% p.a.
  • Non Housing Loan - 11.50%-23% p.a.
    • interest rates.
Savings Account
  • We offer Zero balance Jana Bank Savings Account along with Debit Card at 5% interest with ease of repayment and savings with attractive rate of interest.
Convenient Banking Services
  • Minimal Documentation and Doorstep Service leads to swift processing of your loan documents.
  • Safe custody of property documents
  • Thorough due diligence on the title of the property
  • Balance transfer of existing loan with additional top up
Insurance Facility
  • Avail Credit Life Insurance for applicant and co-applicant
Subsidy
  • Avail subsidy up to ₹ 2.67 lakhs under Pradhan Mantri Awaas Yojana

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can avail Home Loan.
  • Any self-employed professional, self-employed non-professional & salaried professional can avail Home Loan from us.
  • Professionals with cash income can also apply.
  • Minimum household income of Rs.10,000 per month
  • Minimum 25 years of age and up to 75 years during loan maturity

How to Apply

  • Share your details with 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 for Home Loans.

Service Charges & Fees



Deceased Customer Document Retrieval Process for loans

Foreclosure: To initiate the foreclosure process, please visit your nearest branch. Our team will assist you with all the required documentation and guide you through the next steps.

Please note that your foreclosure statement will be processed within 15 working days from the date of your request.

Note: Our Home Loan services are currently available in Madhya Pradesh, Chhattisgarh, Rajasthan, Maharashtra, Tamil Nadu, Karnataka, Bihar, Jharkhand, Delhi NCR, West Bengal, Punjab, Haryana and Gujarat. Please feel free to get in touch with your nearest branch for any further details.


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

Recurring Deposit allows customers with an opportunity to build up their wealth securely through regular monthly deposit of fixed sum over a period of time.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates

Please click here for the interest rates.

Flexible Tenor Options
  • Minimum Tenor
  • Maximum Tenor
  • 6 Months
  • 10 Years
Minimum Amount As low as ₹ 100
Deposit Multiples As low as ₹ 100
Ease of Booking Open RD on click of a button using internet or mobile banking.

Terms and Conditions:

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

2. In case of premature withdrawal of the recurring deposit, penalty of 1% will be applied on the applicable rate of interest for the duration which the deposit is maintained with us.

3. For delayed and/or missed monthly payment:

    a. A Penalty of ₹ 1.5 per ₹ 100 on the instalment amount will be levied

    b. This penalty will be levied on actual basis i.e. on the number of days of delay

    c. Grace period of 5 days will be provided to the customer to make the instalment payment to avoid the penal charges

4. Bank reserves the right to close the recurring deposit in case the customer misses 5 consecutive recurring deposit instalments.

5. The minimum tenor of Recurring Deposit should be 6 months.

6. The minimum instalment amount should be ₹ 100.

7. The instalment amount should be in multiples of ₹ 100.

How to Apply

  • Existing customers can open Recurring Deposit through Jana Mobile Banking Application and Jana Internet Banking.
  • Visit the nearest Jana Bank branch and open Recurring Deposit
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

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

Frequently Asked Questions    |   Terms & Conditions



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

Recurring Deposit allows customers with an opportunity to build up their wealth securely through regular monthly deposit of fixed sum over a period of time.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates

Please click here for the interest rates.

Flexible Tenor Options
  • Minimum Tenor
  • Maximum Tenor
  • 6 Months
  • 10 Years
Minimum Amount As low as ₹ 100
Deposit Multiples As low as ₹ 100
Ease of Booking Open RD on click of a button using internet or mobile banking.

Terms and Conditions:

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

2. In case of premature withdrawal of the recurring deposit, penalty of 1% will be applied on the applicable rate of interest for the duration which the deposit is maintained with us.

3. For delayed and/or missed monthly payment:

    a. A penalty of 1.5% of the instalment amount will be levied

    b. This penalty will be levied on actual basis i.e. on the number of days of delay

    c. Grace period of 5 days will be provided to the customer to make the instalment payment to avoid the penal charges

4. Bank reserves the right to close the recurring deposit in case the customer misses 5 consecutive recurring deposit instalments.

5. The minimum tenor of Recurring Deposit should be 6 months.

6. The minimum instalment amount should be ₹ 100.

7. The instalment amount should be in multiples of ₹ 100.

How to Apply

  • Existing customers can open Recurring Deposit through Jana Mobile Banking Application and Jana Internet Banking.
  • Visit the nearest Jana Bank branch and open Recurring Deposit
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

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

Frequently Asked Questions    |   Terms & Conditions



Jana Small Finance Bank offers to its corporate clients the Corporate Internet Banking facility. Corporate Internet Banking facility provides for easy monitoring of corporate accounts and their fund utilisation through restricted/ preferred access rights to corporate users for account level services and fund transfer.

Safe and Secure: Wherever you log in, you can rest assured in knowing you’re your Corporate Internet Banking facility is protected with robust security features of Jana Small Finance Bank.

Convenience: Jana Small Finance Bank has designed Corporate Internet Banking with your convenience in mind. Jana Small Finance Bank Corporate Internet Banking Portal brings together the best of technology, along with an easy navigation experience, a warm welcoming design, and greater simplicity for corporate clients.

Corporate Internet Banking provides you with a number of features.

Key Features

FEATURES BENEFITS
Control on corporate accounts
  • Give specific access rights to different users basis roles within the organization
  • Restricted/preferred access of all the functionalities against an account
Ease of Banking
  • Corporate users can use the portal for their banking needs without visiting a branch
User Management
  • Corporates can deactivate or activate users through their nearby Jana Bank branches
  • Corporates can provide access rights for all users as per their requirements
Accounts
  • Corporates can operate on accounts on-boarded for CIB (accounts can be enabled individually in CIB)
  • Corporates can view their account statements
  • Corporates can view their deposit accounts
  • Corporates can give preferred access to users for every account separately
Authorization Matrix
  • Corporates can set the hierarchy for different levels of authorization
  • Corporates can set multiple users and rules for each level of authorization
Maker Checker Concept
  • Corporates can define a maker and a checker for each type of transaction which can be done through CIB
Service Request
  • Corporates can request for services like cheque book request, stop cheque request, cheque status request.
  • Corporates can open new term deposits
  • Corporates can monitor the status of their service requests in real time
Bulk File Processing
  • Corporates can do single debit and multiple credit transactions.
  • Salary upload and multiple vendor payments can be done through single file upload.
Fund Transfer
  • Corporates can do IMPS, NEFT and RTGS
  • Corporates can set Standing Instructions on their accounts, and can also schedule future date transactions.
  • Corporates can add multiple payee accounts under each payee name
  • Corporates can view Payment Reports

How to avail Corporate Internet Banking facility?

Please visit Jana Small Finance Bank branch and fill up a Corporate Internet Banking form available at the branch. Corporate Internet Baking facility will be activated subject to eligibility, submission of required documents and acceptance of terms to conditions.

Documents

Click on the links to download the following documents:

Frequently Asked Questions   |   Terms & Conditions



We are delighted to find out that you are interested in Jana Small Finance Bank Recurring Deposit. The interest rate offered by our Recurring Deposit is among the best in the industry.

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

We are delighted to find out that you are interested in Jana Small Finance Bank Current Account. The interest rate offered by our Current Account is among the best in the industry.

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

  1. Current Account
  2. Thank you
  3. Current Account
  4. Current Account

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