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Introducing Freedom Account - Your Gateway to Unleash Business Potential!

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


Product features and benefits:

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

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

Eligibility Criteria

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

How to Apply

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

Required Documents

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



THE RESERVE BANK - INTEGRATED OMBUDSMAN SCHEME, 2021

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SALIENT FEATURES OF THE RBI INTEGRATED OMBUDSMAN SCHEME, 2021

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NAME AND ADDRESS OF THE OFFICE OF RBI BANKING OMBUDSMAN

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About the Campaign:

This festive season, don't just spend, but celebrate your spends with Jana Small Finance Bank.

All you need to do is use your Jana Bank debit card for your ECOMM and POS transactions. Your spending will not only bring joy but also the chance to be among the Top 500 spenders who will receive an Amazon voucher worth Rs 250. And don't forget to make two bill payments using our cutting-edge mobile banking application. Let's celebrate your spends in the most rewarding way possible. What are you waiting for? Start spending!

Campaign Duration:

1st September 2023 - 31st October 2023

What’s in it for customer?

Unlock an Amazon Voucher worth ₹250/- if you make it to the Top 500 customers.

Qualifying Criteria:

  1. Maintain an average balance of ₹ 10,000 over and above on the EOD balance of 31st August 2023 by the end of the campaign
  2. Do at least two BBPS transactions through MB during the campaign period
  3. At least 2 Debit Card transactions through POS/ECOMM with a minimum value of ₹ 500 per transaction

Balance Addition & Maintenance Criteria:

  • Customer need to add ₹ 10,000 to the existing balances (existing balance as on 31st August 2023) and maintain the average balance till 31st October 2023.
  • Only those customers who maintains the total amount (existing amount + ₹ 10,000) average balance towards the end of the campaign period till will be considered eligible for voucher.

Debit Card Spend Criteria:

  • Two debit card transaction to be done on ECOMM/POS with minimum value of ₹ 500 for each transaction.
  • Any transaction done on the last day of campaign, post 8.00 PM shall not be considered.
  • Only completed and successful transactions shall be considered for the campaign.

Terms and Conditions:

  • Only accounts which have maintained the average incremental balance of ₹ 10,000 on 31st October 2023 over and above the balance as on 31st August 2023 shall be considered and all these accounts must maintain this average incremental balance.
  • All eligible winners will get the vouchers within 90 days of the campaign end date. (Customers are requested to check their spam folder in case they did not receive the communication on voucher)
  • Jana Small Finance Bank reserves the right to modify, cancel, extend or discontinue the campaign, the website/any customer and/or these terms and conditions or any part thereof at any time without prior notification.
  • Debit card transaction completed after 8.00 PM of 31st October ’23, shall not be considered for this campaign.
  • This campaign is voluntary and by participating in the campaign, you are deemed to have read, understood and accepted these terms & conditions.
  • Jana Banker’s Salary Account, Jana Savings Account, Jana Current Account and Overdraft Accounts shall not be eligible to be part of this campaign.
  • All customers who fulfils both the bill payments and debit card spends criteria along with the balance criteria as per the campaign timelines will be considered eligible for the campaign.
  • Only retail spends are considered like paying online on a lifestyle website, ordering food online, shopping at any store using your debit card. Transactions like fund transfer are not considered in the campaign.
  • This campaign is applicable only for retail customers (Individual category). Non-Individual customers are not part of this campaign.
  • To know the eligible Bill Payments which shall be considered in this campaign, please refer to the Bill Payment module in Jana Bank Mobile Banking application.
  • If more than 500 customer transact for the highest amount, the Bank shall be at liberty to choose first 500 spenders at its sole discretion.

Following transactions shall not be considered for this campaign:

  • Any transaction to purely fund the wallet/Financial Institution assisted app/website (e.g. Paytm, CRED etc.)
  • Cash withdrawal shall not be considered.
  • Any account or wallet transfer using debit card will not be considered as purchase transaction.
  • Payment for online gaming and online gaming websites will not be considered.
  • Incomplete, rejected, invalid, returned, disputed or unauthorized transactions will not be considered.
  • Jana Small Finance Bank reserves the right to disqualify any customer from the benefits of the campaign if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the campaign or otherwise by use of the card.

Red Herring Prospectus

Red Herring Prospectus

Red Herring Prospectus


Addendum to RHP


Prospectus

Public Advertisement on Basis of Allotment

JANA Small Finance Basis of allotment

Draft Red Herring Prospectus

Draft Red Herring Prospectus

Industry Report

FSIAPL - Industry Research Report

Audited JSFB Financials

Audited Annual Financial Report - FY 2022-23
Audited Annual Financial Report - FY 2021-22
Audited Annual Financial Report - FY 2020-21

Outstanding Dues

Amounts due to material creditors as on September 30, 2023

Financials

Jana Urban Services For Transformation Private Limited
Financial Statements FY 22-23
Financial Statements FY 21-22
Financial Statements FY 20-21
Jana Urban Space Foundation (India)
Financial Statements FY 22-23
Financial Statements FY 21-22
Financial Statements FY 20-21
Jana Urban Space Foundation (India)
Financial Statements FY 22-23 - Consolidated
Financial Statements FY 21-22 - Consolidated
Financial Statements FY 21-22 - Standalone
Financial Statements FY 20-21 - Consolidated
Financial Statements FY 20-21 - Standalone

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

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

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


Applicability

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

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

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

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

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

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

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


Accuracy

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


Purpose of collection and Usage of Personal Information

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

  1. Process applications, requests and transactions
  2. Maintain internal records as per regulatory guidelines
  3. Provide services to customers, including responding to customer requests
  4. Comply with all applicable laws and regulations
  5. Recognize the customer when he conducts online banking
  6. Understand the needs and provide relevant product and service offers

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


Disclosure/ Sharing of Information

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

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

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

  1. To help complete a transaction initiated by the customer
  2. To perform support services through an outsourced entity provided it conforms to the Privacy Policy of the Bank
  3. The customer/ applicant has specifically authorized it
  4. To conform to legal requirements or comply with legal process
  5. The information is shared with Government agencies mandated under law
  6. The information is shared with any third party by an order under the law
  7. Enforce the terms and conditions of the products or services
  8. Act to protect the rights, interests or property of the Bank, or its members, constituents or of other person

Security Practices

The security of personal information is a priority and shall be ensured by maintaining physical, electronic, and procedural safeguards that meet applicable laws to protect customer information against loss, misuse, damage and unauthorized access, modifications or disclosures. Employees shall be trained in the proper handling of personal information.

When other companies are used to provide services on behalf of the Bank, it shall ensure that such companies protect the confidentiality of personal information they receive in the same manner the Bank protects. The Bank shall continuously review and enhance its security policies and security measures to consistently maintain a high level of security.


Amendments

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

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


Response to Enquiries and Complaints

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


Generation of Green PIN & card activation through Mobile banking & Internet banking channel



Overview:

Jana Small Finance Bank's GREEN PIN solution allows Debit Cardholders to securely generate their Debit Card PIN electronically through Internet and Mobile banking channels, eliminating the need for paper-based PIN generation.

The Green PIN initiative not only helps in conserving paper but also reduces carbon footprint, making it an eco-friendly option. This hassle-free mechanism can be used by both existing and new Debit Card customers to set their PIN instantly after receiving the card or if they forget their existing Debit-cum-ATM Card PIN.

This service does not require customers to visit the branch/ATM or contact customer care and wait for a PIN mailer, making it convenient for them to use.

Features:

  • 1. Instant PIN generation
  • 2. Can be used by both existing as well as new customers
  • 3. Customers can generate Debit card PIN instantly using Mobile and Internet banking
  • 4. Secure, Convenient, Anywhere, Anytime – 24/7 Availability
  • 5. Card can be activated by ATM or PoS transaction

Steps to Generate Green PIN through Mobile and Internet banking:

  • Step 1: Login to Jana Bank Mobile banking application or Internet Banking portal
  • Step 2: Click Navigation menu -> Services -> Debit Card Management -> Reset/Generate ATM PIN
  • Step 3: Select the Card No. for which the PIN has to be set
  • Step 4: Enter New PIN, Confirm New PIN and click on Submit
  • Step 5: Enter the OTP shared to registered mobile number

New Debit Card PIN is generated and card gets activated instantly!



Note: The PIN should not consist consecutive digits, the digits should not be repetitive and it should be different from the existing customers. The card should not be in Blocked/Hot listed state.

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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Our banking representative will get in touch with you shortly.

Have a great day ahead!


Do feel free to reach us at 1800 2080


With Best Regards,

Jana Small Finance Bank

Jana Small Finance Bank offers the self-generated Unified Payment Interface (UPI) for its merchant/retail customers. The solution enables you to accept payments instantly to your Jana Small Finance Bank Account.

Note: MCC is the Merchant Category Code, which is a 4 digit code used by NPCI for purposes like Merchant MIS, statistics and Business reports.

FEATURES BENEFITS
Convenient Facility
  • Get your payments directly to your Jana Small Finance Bank account without any additional charges.
  • Payments received instantly and digitally
Easy QR code generation
  • Just enter your account number along with your Mobile number and generate a QR code unique to your account held with Jana Small Finance Bank.
Flexible Payment Options
  • No lower limit for transfer
  • 24X7 facility to receive fund with instant settlement.

Eligibility Criteria

  • Must hold an account with Jana Small Finance Bank

How to Use

Follow the simple steps below to generate and use your QR code:

  1. Click on https://janabank.sarvatra.in/public/account#step-1
  2. Enter your account no. and registered mobile number with Jana Bank
  3. Read the terms & conditions and click on agree to proceed
  4. Download/Take a print out of the QR code
  5. Verify the QR code with the “J” logo in the QR code and your name
  6. You can paste the QR code at your establishment/firm/shop to receive payments
  7. Receive payments directly to your Jana Bank Account.

For further details, please get in touch with your Relationship Manager or call us at 1800 4200

Terms & Conditions

Now non-residents can earn higher returns on their Indian income with our NRO Savings Account. Jana Small Finance Bank Ltd. brings to you the best option for investment with high liquidity and even higher returns. Now experience convenient and secure banking across seven seas.

Key Benefits

FEATURES BENEFITS
Average Monthly Balance
  • No Minimum Balance criteria
I choose my Account number
  • Now get a customized account number of your choice*
Rate of Interest
Reach out to us
  • Dedicated NRI Helpdesk and Contact Centre

Eligibility Criteria

All NRIs or PIOs are eligible to apply for the account

How to Apply

  • If you are in town, Visit the nearest branch of Jana Small Finance Bank Ltd. and our Branch Official will guide you on the application process.
  • For non face-to-face account opening, please connect with our dedicated contact centre (+918065662000) or write to us at nri-customercare@jana.bank.in.

Required Documents

Click here for downloading the Account Opening Form.

Service Charges & Fees   |   Terms & Conditions




Earn higher returns on your foreign income with our precisely crafted NRE Savings Account. Jana Small Finance Bank Ltd. brings to you the best option for investment with high liquidity and even higher returns. Now experience convenient and secure banking across seven seas.

Key Benefits

FEATURES BENEFITS
Average Monthly Balance
  • No Minimum Balance criteria
I choose my Account number
  • Now get a customized account number of your choice*
Rate of Interest
Debit Card
  • Complementary issuance of RuPay Select Debit Card
Reach out to us
  • Dedicated NRI Helpdesk and Contact Centre

Eligibility Criteria

All NRIs or PIOs are eligible to apply for the account

How to Apply

  • If you are in town, Visit the nearest branch of Jana Small Finance Bank Ltd. and our Branch Official will guide you on the application process.
  • For non face-to-face account opening, please connect with our dedicated contact centre (+918065662000) or write to us at nri-customercare@jana.bank.in.

Required Documents

Click here for downloading the Account Opening Form.

Service Charges & Fees   |   Terms & Conditions




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Our NRO Fixed Deposit is one of the best propositions for a secure deposit with flexible liquidity at a higher interest rate. Jana Small Finance Bank brings to you best-in-class interest rates to ensure that your earnings grow steadily and effortlessly. Its key features like attractive interest rates and multiple interest payout options make it the ideal investment for your hard-earned money.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates
  • Get best-in-class Interest Rates
  • Earn more attractive interest rates than Savings Account
  • Please click here for the interest rates.
Low Deposit Amounts
  • Start depositing with an amount as low as INR 10,000
Mobile Banking App
  • Transact conveniently through our Mobile Banking App
Cumulative and Non-Cumulative (Monthly / Quarterly / Half-Yearly / Yearly Payout Options)
  • Freedom to choose the Interest pay-out option
Dedicated Contact Centre

Terms and Conditions:

  1. For detailed Terms and Conditions, please click here.

Eligibility Criteria

All NRIs and PIOs can open a fixed Deposit

How to Apply

  • If you are in town, Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you on the application process.
  • For Non face-to-face account opening, please connect with our dedicated contact centre (+918065662000) or write to us at nri-customercare@jana.bank.in.

Service Charges & Fees   |   Terms & Conditions




Our NRE Fixed Deposit is one of the best propositions for a secure deposit with flexible liquidity at a higher interest rate. Jana Small Finance Bank brings to you best-in-class interest rates to ensure that your earnings grow steadily and effortlessly. Its key features like attractive interest rates and multiple interest payout options make it the ideal investment for your hard-earned money.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates
  • Get best-in-class Interest Rates
  • Earn more attractive interest rates than Savings Account
  • Please click here for the interest rates.
Low Deposit Amounts
  • Start depositing with an amount as low as INR 10,000
Mobile Banking App
  • Transact conveniently through our Mobile Banking App
Cumulative and Non-Cumulative (Monthly / Quarterly / Half-Yearly / Yearly Payout Options)
  • Freedom to choose the Interest pay-out option
Dedicated Contact Centre

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. Minimum tenure for NRE fixed deposits is 1 year and no interest rate is payable for deposits prematurely withdrawn within the period of 1 year from the date of the deposit.
  3. In case of premature withdrawal of NRE fixed deposit post completion of 1 year, penalty as follows will be applied on the applicable rate of interest for the duration which the deposit is maintained with us:
    • Fixed Deposit less than INR 300 Lakhs – 0.5%
    • Fixed Deposits greater than or equal to INR 300 Lakhs – 1%
  4. For all Non-Cumulative Fixed Deposits, interest is calculated on Simple interest basis. Interest payouts are as per financial year: Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half yearly payouts will be on 1st October & 1st April and Annual interest payouts will be on 1st April irrespective of the date of booking.

Eligibility Criteria

All NRIs and PIOs can open a fixed Deposit

How to Apply

  • If you are in town, Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you on the application process.
  • For Non face-to-face account opening, please connect with our dedicated contact centre (+918065662000) or write to us at nri-customercare@jana.bank.in.

Service Charges & Fees   |   Terms & Conditions




In the unfortunate event of the demise of an account holder, Jana Small Finance Bank is committed to ensuring a smooth, transparent, and hassle-free settlement process for nominees, survivors, and legal heirs.

We understand that this is a difficult time for the family, and our endeavour is to simplify the claim settlement procedure with clear guidance and timely resolution.

Time Norms for Settlement of Claims

Jana Small Finance Bank shall endeavour to settle claims in respect of deceased customers within 15 calendar days from the date of receipt of all required documents and completion of verification formalities.

For Safe Deposit Lockers / Articles in Safe Custody, the Bank shall process the request and communicate the next steps to the claimant(s) within 15 calendar days from receipt of complete documentation.

Important Note:

Submission of complete and valid documents is necessary for timely settlement of claims. Incomplete or incorrect documentation may result in delays.

Settlement of Claims – Deposit Accounts

A. Accounts with Nomination / Survivorship Clause

Applicable for:

  • Savings Accounts
  • Current Accounts
  • Fixed Deposits / Term Deposits
  • Recurring Deposits

Documents Required

  1. Claim Form duly signed by nominee(s) / survivor(s)
  2. Original or attested copy of Death Certificate
  3. KYC documents of nominee / survivor
  4. Passbook / Deposit Receipt / Account details (if available)
  5. Any other document as may be required by the Bank

Continuation of Joint Accounts
In case of joint accounts with a survivorship clause such as:

  • Either or Survivor
  • Former or Survivor
  • Anyone or Survivor

The surviving account holder may continue or close the account upon submission of:

  • Death Certificate
  • Updated KYC documents
  • Written request for continuation / closure

B. Accounts without Nomination / Survivorship Clause

To avoid hardship to legal heirs and simplify the process, the Bank may adopt a simplified settlement process for claims up to the prescribed threshold limit.

Documents Required

  1. Claim Form signed by claimant(s)
  2. Death Certificate of deceased account holder
  3. KYC documents of claimant(s)
  4. Legal Heir Certificate / Family Tree Certificate / Succession documents
  5. Indemnity Bond
  6. No Objection / Disclaimer from other legal heirs
  7. Affidavit / Declaration from legal heirs
  8. Any additional documents as required by the Bank

Claims Above Prescribed Threshold Limit
For higher-value claims, the Bank may request:

  • Succession Certificate
  • Probate of Wil
  • Letter of Administration
  • Court Order
  • Additional indemnities / sureties

Claims Involving a Will / Legal Dispute

Cases involving a Will
Where a valid Will is available, the Bank may process the claim based on:

  • Succession Certificate
  • Probate of Wil
  • Letter of Administration
  • Supporting legal heir documents
  • KYC of beneficiaries

Cases involving dispute among claimants
In case of disputes among legal heirs / beneficiaries, settlement shall be subject to:

  • Court Order
  • Succession Certificate
  • Probate / Letter of Administration
  • Any legally enforceable direction

Premature Closure of Term Deposits

In case of death of a depositor:

  • Premature closure of deposits may be permitted as per the Bank’s policy and regulatory guidelines.
  • Applicable instructions from surviving depositor(s), nominee(s), or legal heir(s) may be required.

Safe Deposit Lockers & Safe Custody Articles

With Nomination / Survivorship
Access to lockers / articles may be provided to:

  • Registered nominee(s)
  • Surviving locker holder(s)

Without Nomination
The claimant(s) may be required to submit:

  • Claim Form
  • Death Certificate
  • KYC documents
  • Legal heir proof
  • Indemnity / Affidavit
  • Disclaimer from other legal heirs

Settlement of Claims for Missing Persons

Claims relating to missing persons may be considered subject to:

  • FIR copy
  • Non-traceable report issued by police authorities
  • Court declaration of civil death (where applicable)
  • KYC and claim documents of legal heirs / claimants

Submission of Claims

Claimants may submit requests:

  • At the home branch
  • At any Jana Small Finance Bank branch
  • Through designated digital / online channels, wherever available

Download Forms & Documents

The following forms may be made available for download:

Annexure I–A Annexure I–A

Annexure I–B Annexure I–B

Annexure I–C Annexure I–C

Annexure I–D Annexure I–D

Annexure I–E Annexure I–E

Annexure I–F Annexure I–F

Annexure I–G Annexure I–G

Annexure I–H Annexure I–H

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What is a 3-IN-1 Account (Banking, Demat and Trading)

The 3-IN-1 Account* is a combination of Banking, Demat and Trading account. Now all your financial needs are made simpler which is a single click away.


*Jana SFB provides banking account and Axis Securities Ltd provides Demat & Trading account.

Eligibility

Why should you open a 3-IN-1 Account with Jana Small Finance Bank?

Premium Savings Account Premium Savings Account
     
Silver Premium Savings Account Silver Premium Savings Account

MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26 MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26
     
MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26 MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26
     
MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26 MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26
     
MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26 MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2025-26
     
MSME data -Structured mechanism for monitoring the credit growth to the MSE sector FY 2024-25 MSME - DATA - Structured mechanism for monitoring the credit growth to the MSE Sector – Q1FY25
     
MSME - DATA - Structured mechanism for monitoring the credit growth to the MSE Sector MSME - DATA - Structured mechanism for monitoring the credit growth to the MSE Sector
     
Timelines For Conveying Credit Decisions Timelines For Conveying Credit Decisions
     
One Time Settlement of NPAs in Micro and Small Enterprises Sector One Time Settlement of NPAs in Micro and Small Enterprises Sector

December 2023

December 2023

Sale of NPA - December 2023 Sale of NPA - December 2023

September 2023

Sale of NPA - September 2023 Sale of NPA - September 2023

June 2023

Sale of NPA - 28th June 2023 Sale of NPA - 28th June 2023
Sale of NPA - 26th June 2023 Sale of NPA - 26th June 2023

August 2022

Sale of NPA - August 2022 Sale of NPA - May 2022

May 2022

Sale of NPA - May 2022 Sale of NPA - May 2022

April 2022

Sale of NPA - April 2022 Sale of NPA - April 2022

March 2022

Sale of NPA - March 2022 Sale of NPA - March 2022

Introduction

Jana Small Finance Bank’s Safe Deposit Locker facility provides you with the safety which you need for your valuables possessions. You can choose the size of locker as per your need and keep your valuables safe with us.

Key Features

Easy booking from branch

Choose locker size as per your need

Convenient direct debit of locker rent from your account

Nomination facility

Features & Benefits

  • Availability - Locker facility is available at various branches. Click here to know the details of branches.
  • Choose as per your need - Lockers are available at 3 different sizes to accommodate customers various valuables
  • Hassle free Payment of rentals – Direct debit of locker rent from your Jana Bank account
  • Nomination facility - Easy opting of nomination facility to freely release your contents anytime
  • Locker Size -

    • Unit Type Height (in mm) Width (in mm) Depth (in mm)
    Small 125 179 502
    Medium 125 360 502
    Large 278 360 502

Fees & Charges

Following is annual rent applicable for various sizes available (excluding GST).

Locker size Rent applicable
Small ₹ 2,500
Medium ₹ 4,000
Large ₹ 6,500

Terms & Conditions

  • The locker rent will be charged annually and collected in advance. The rent shall remain same irrespective of tenure locker has been opted for and is same across all the branches wherever Lockers are available
  • All other applicable Terms and Conditions in relation to lockers shall be communicated through the locker agreement and the customer is advised to visit the nearest branch for more details
  • Allotment of lockers will be on First Come First Serve basis based on application format, agreement, and other documents in line with regulatory guidelines and bank’s internal guidelines, as amended from time to time
  • Discounts, if applicable, will be offered only on maintenance of relationship value as per customer product category. (Please check on the discount point whether it has the approval from the appropriate authority)
  • Click here for Standard Operating Procedure.

FY 2026-27

FY 2026-27

     
Credit update – Care Ratings Limited View now

FY 2025-26

     
Receipt Of Best Data Quality Awards From Transunion CIBIL At The Annual Conference 2026 View now
     
Change in Management View now
     
Closure of Trading Window View now
     
Allotment of Warrants View now
     
Proceedings of EGM View now
     
Voting result of EGM View now
     
Amendment to Articles of Association View now
     
Allotment of ESOP View now
     
Outcome of the Board Meeting – 18th May 2026 View now
     
Disclosure under Regulation 30 of SEBI (LODR) Regulation, 2015 – 18th May 2026 View now
     
Outcome of Board Meeting – Financials 31-03-2026 View now
     
Asset Cover Certificate 31-03-2026 View now
     
Certificate as per Regulation 52(7) and 52(7A) SEBI LODR. View now
     
Investor Meet – 29th April 2026 View now
     
Half Yearly statement of Debt Securities as on 31 Mar'26 View now
     
Confirmation of debentures interest payment under Clause 57 (1) - NCD series 23 View now
     
Investor Meet – 30th March 2026 View now
     
Appointment of Mrs. Malini B Mallikarjun as an Additional Director (Independent Director) of the Bank View now
     
Allotment of ESOP View now
     
Intimation of record date View now
     
Half Yearly statement of Debt Securities as on 30 Sep'25 View now
     
OutCome of Board Meeting - Dec'25 View now
     
Statement of Material Deviation – Dec'25 View now
     
Asset cover Details - Dec'25 View now
     
OutCome of Board Meeting – Sep'25 View now
     
Statement of Material Deviation – Sep'25 View now
     
Asset cover Details - Sep'25 View now
     
Appointment of Mr. Ajay Rotti and Mr. Pankaj Razdan, as an Additional Director of the Bank (Independent Director) View now
     
Closure of trading window View now
     
Allotment of ESOP View now
     
Scrutinizers report – Postal Ballot View now
     
Appointment of Mrs. Chitra Talwar as Part Time Chairperson of the Bank View now
     
Investor meet – 14th November 2025 View now
     
Allotment of ESOP View now
     
Press Release / Media Release View now
     
Closure of trading window View now
     
Appointment of Mr. Sudhir Madhavan View now
     
Investor Meet Intimation – 29-09-2025 View now
     
Allotment of ESOP / ESPS View now
     
Appointment of Secretarial Auditor View now
     
Proceedings of AGM View now
     
Scrutinizer Report of AGM View now
     
Appointment Of Independent Director (Additional Director) View now
     
Receipt of order-in-original passed by Additional Commissioner of Central Tax GST, Bengaluru East Commissionerate, Karnataka View now
     
Change in Senior Management View now
     
Investor Meet Intimation – 20-08-2025 View now
     
Intimation of Investor Meet-14-08-2025 View now
     
Post AGM Notice - Newspaper Publication View now
     
Business Responsibility and Sustainability Reporting View now
     
Annual Report View now
     
Notice of Annual General Meeting View now
     
Pre AGM Notice – Newspaper Publication View now
     
Investor Meet Intimation – 13-08-2025 View now
     
Change in Management View now
     
Investor Meet intimation – 05-07-2025 View now
     
Transcript for Analyst Meeting held on 22nd July 2025 View now
     
Investor Meet – Outcome View now
     
Asset Cover Details View now
     
Statement of Material Deviation View now
     
Press Release / Media Release View now
     
Investor Presentation View now
     
Allotment of ESOP / ESPS View now
     
Board Meeting Outcome for Financial Results For 30-June-2025 View now
     
Investor Meet intimation View now
     
Intimation of the Board Meeting View now
     
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 View now
     
Details Of Company Secretary And Compliance Officer And Registrar And Share Transfer Agent ('RTA') Of The Bank View now
     
Certificate of interest payment/Principal in case of NCD View now
     
Confirmation of debentures Redemption/ interest payment View now
     
Closure of Trading Window View now
     
Intimation of Investor Meet – 24-06-2025 View now
     
Intimation of Investor Meet – 19-06-2025 View now
     
Record date for Interest Payment View now
     
Intimation of Investor Meet – 19-06-2025 View now
     
Application for Universal Banking by the Bank View now
     
Allotment of ESOP View now
     
Investor Meet Intimation – 19-06-2025 View now
     
Investor Meet Intimation – 04-06-2025 View now
     
Investor Meet Intimation – 28-05-2025 View now
     
Investor Meet Intimation – 27-05-2025 View now
     
Investor Meet Intimation – 22-05-2025 View now
     
Investor Meet Intimation (Revised)– 21-05-2025 View now
     
Investor Meet Intimation – 21-05-2025 View now
     
Investor Meet Intimation – 20-05-2025 View now
     
Imposition Of Penalty By The Reserve Bank Of India View now
     
Earnings Call Transcript View now
     
Newspaper Publication View now
     
Code of Conduct under SEBI (PIT) Regulations, 2015 View now
     
Appointment Of Secretarial Auditor View now
     
Investor Meet – Outcome View now
     
Integrated Filing (Financial) View now
     
Press Release View now
     
Investor Presentation View now
     
Outcome of the Board Meeting View now
     
Investor Meet – Intimation View now
     
Intimation of Board Meeting View now
     
Allotment of ESOP View now
     
Half Yearly statement of Debt Securities as on 31-March-2025. View now
     
Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 View now
     
Details of Company Secretary and Compliance Officer and RTA View now

FY 2024-25

     
Change in Management View now
     
Closure of Trading Window View now
     
Investor Meet Intimation - 28-03-2025 View now
     
Revision in Credit rating View now
     
Allotment of ESOP View now
     
Approval Of Reserve Bank Of India ('RBI') For Authorized Dealer Category-I (AD-I) License View now
     
Credit rating – CARE Ratings Limited View now
     
Copy of Newspaper Advertisement View now
     
Investor Meet Intimation - 27-01-2025 View now
     
Investor Meet – Outcome View now
     
Investor Presentation View now
     
Outcome of the Board Meeting View now
     
Allotment of ESOP View now
     
Statement of Material Deviation for the quarter ended December 2024 View now
     
Asset Cover details for the quarter ended December 2024 View now
     
Press Release View now
     
Intimation of Investor Meet – 21-01-2025 View now
     
Integrated filing for Corporate Governance View now
     
Disclosure under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 View now
     
Intimation of the Board Meeting View now
     
Closure of Trading Window View now
     
Intimation of Investor Meet 11-12-2024 View now
     
Appointment of Mr. R Ramaseshan as part time Chairman of the Bank View now
     
Intimation of Investor Meet 05-12-2024 View now
     
Intimation of Investor Meet 03-12-2024 View now
     
Intimation of Investor Meet 02-12-2024 View now
     
Intimation of Investor Meet 29-11-2024 View now
     
Intimation of ESOP Allotment View now
     
Intimation of Investor Meet 26-11-2024 View now
     
Intimation of Investor Meet 21-11-2024 View now
     
Intimation of Investor Meet 18-11-2024 View now
     
Newspaper Advertisement of the Financial results – September 2024 View now
     
Statement of Deviation for Non-Convertible Debentures as on 30-09-2024 View now
     
Asset Cover Certificate as on 30-09-2024 View now
     
Investor Meet – Outcome View now
     
Press Release / Media Release View now
     
Investor Presentation View now
     
Outcome Of Board Meeting dated - 21-10-2024 View now
     
Intimation of Investor Meet – 21-10-2024 View now
     
Compliances Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 View now
     
Closure of Trading Window View now
     
Intimation of Investor Meet – 26-09-2024 View now
     
Intimation of Investor Meet – 23-09-2024 View now
     
Receipt of registration under Bankers to Issue View now
     
Intimation of Investor Meet – 20-09-2024 View now
     
Intimation of Investor Meet – 03-09-2024 View now
     
Intimation of record date and date of interest payment View now
     
Jana Small Finance Bank Limited Awarded Under Four Categories At Emerging Asia Banking Conclave View now
     
Intimation of Investor Meet-22.08.2024 View now
     
Intimation of Investor Meet-21.08.2024 View now
     
Appointment of COO View now
     
Intimation of Investor Meet 14.08.2024 View now
     
Intimation of Investor Meet 13.08.2024 View now
     
Intimation of Investor Meet 06.08.2024 & 07.08.2024 View now
     
Earnings Call Transcript - 30.06.2024 View now
     
Newspaper Publication - Financial Results - 30.06.2024 View now
     
Investor Meet Outcome - 22.07.2024 View now
     
Change in Directorate View now
     
Asset Cover details View now
     
Statement of Material Deviations in proceeds of issue of NCD View now
     
Investor Presentation - 30.06.2024 View now
     
Outcome of the Board Meeting - Financial Results - 30.06.2024 View now
     
Certificate of interest payment in case of NCD View now
     
Intimation of Investor Meet - 22.07.2024 View now
     
Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 View now
     
Intimation of the Board Meeting - 22.07.2024 View now
     
Certificate of Interest Payment of NCD View now
     
Closure of Trading Window View now
     
Intimation of Investor Meet - 27.06.2024 View now
     
Scrutinizers report of AGM View now
     
Proceedings of AGM View now
     
Intimation of Investor Meet - 21.06.2024 View now
     
Intimation of Record Date of Interest Payment View now
     
Intimation of Investor Meet- 14.06.2024 View now
     
Intimation of Record Date of Interest Payment View now
     
Newspaper Publication - Financial Results - 31.03.2024 View now
     
Business Responsibility and Sustainability Reporting (BRSR) View now
     
Annual Report 2023-24 View now
     
Notice of the 18th Annual General Meeting View now
     
Intimation of Investor Meet - 24.05.2024 View now
     
Intimation of 18th AGM of the Bank and closure of Register of Members View now
     
Intimation of Investor Meet - 27.05.2024 View now
     
Intimation of Investor Meet - 20.05.2024 View now
     
Annual Secretarial Compliance Report View now
     
Intimation of Investor Meet - 15.05.2024 View now
     
Earnings Call Transcript of Investor Meet - 30.04.2024 View now
     
Intimation of Investor Meet - 07.05.2024 View now
     
Outcome of Investor Meet - 30.04.2024 View now
     
Newspaper Publication View now
     
Asset cover details View now
     
Statement of Material Deviations in proceeds of issue of NCD View now
     
Investor Presentation for the quarter and year ended 31.03.2024 View now
     
Financial results for the quarter and year ended 31.03.2024 View now
     
Press Communique - Update on Results - 31.03.2024 View now
     
Outcome of the Board Meeting - Financial Results - 31.03.2024 View now
     
Omnichannel Digital Banking Solution Award View now
     
Intimation of Investor Meet - 30.04.2024 View now
     
Receipt Of Order Passed Under Section 250 Of The Income-Tax Act, 1961 View now
     
Intimation of the Board Meeting of Jana Small Finance Bank Limited View now
     
Receipt Of RBI Approval For Appointment Of Joint Statutory Auditors View now
     
Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 View now
     
Compliance Certificate Under Regulation 40(10) Of SEBI LODR View now
     
Compliance Certificate under Regulation 7(3) of SEBI LODR View now
     
Change in Senior Management View now
     
Jana Small Finance Bank Limited partners with Kotak Mahindra Life Insurance Company View now
     
Half Yearly Report of Debt Securities - 31-03-2024 View now
     

FY 2023-24

     
Certificate of interest payment View now
     
Closure of Trading Window - 31.03.2024 View now
     
Receipt of Assessment Order from the Income Tax department View now
     
Award of order by Income Tax department View now
     
Investor Meet - Outcome - 26.03.2024 View now
     
Investor Meet - Outcome - 22.03.2024 View now
     
Award of Order View now
     
Intimation of Investor Meet - 22.03.2024 View now
     
Revision in Credit Rating View now
     
Outcome of Investor Meet - 14.03.2024 View now
     
Intimation of Investor Meet - 14.03.2024 View now
     
Outcome of Investor Meet - 01.03.2024 View now
     
Revison of Credit Rating View now
     
Press release View now
     
Intimation of Investor Meet - 01.03.2024 View now
     
Re-appointment of Mr. Ajay Kanwal as Managing Director & CEO View now
     
Outcome of Investor Meet - 26.02.2024 View now
     
Record Date of Interest Payment View now
     
Intimation of Record Date and date of Interest payment of NCD (ISIN - INE953L08329) View now
     
Investor Presentation View now
     
Newspaper Publication - Financial Results - 31.12.2024 View now
     
Asset Cover details View now
     
Press Communique - Update on Results - 31.12.2024 View now
     
Intimation of Investor Meet- 26.02.2024 View now
     
Closure of Trading Window View now
     
Board Meeting Intimation - Approval of Financial Results for the quarter ended December 31, 2023 View now
     
Disclosure as per Regulation 29 of SEBI SAST Regulations View now
     
           

Board Meeting Notice – May 2026 View now
Board Meeting Notice – April 2026 View now
Board meeting notice – February 2026 View now
Board meeting notice – October 2025 View now
Board meeting notice – September 2025 View now
Board meeting notice – June 2025 View now
Board meeting notice – March 2025 View now
Board Meeting Notice – December 2024 View now
Board Meeting Notice – October 2024 View now
Board meeting Notice – July 2024 View now
Board meeting Notice – April 2024 View now
Board meeting Notice – February 2024 View now
Board meeting Notice – October 2023 View now
Board meeting Notice – August 2023 View now
Board meeting notice – April 2023 View now
Board meeting notice – February 2023 View now
Board meeting notice – February 2023 View now
Board meeting notice – November 2022 View now
Board meeting notice-August 2022 View now
Board meeting notice-May 2022 View now
Board meeting notice-February 2022 View now
Board meeting notice-November 2021 View now
     
     

We are delighted to know that you are interested in Jana Small Finance Bank’s Current Account.

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

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



Pay your utility bills like Broadband Post-paid, DTH, Gas etc. through our Jana Bank Mobile Banking Application between 11th Oct’21 to 11th Nov’21 and stand a chance to win smartphones and Alexa Show


Campaign Name

#BindaasJeeto

Campaign Period

11th October to 11th November 2021(both start and end date)

Rewards

Prize No of prizes
1st Prize Smartphone 1
2nd Prize Alexa Show 2
3rd Prize Smartphone 2

Bill Payment categories

Broadband Postpaid DTH
Electricity Gas
Insurance – LIC not a part Landline Postpaid
LPG Gas Cable TV
Clubs and Associations Credit card – BoB only
Education Fees Fastag
Health Insurance Hospital and Pathology
Housing Society Life Insurance
Loan Repayment Mobile Postpaid
Municipal Services Municipal taxes
Subscription Water

Key Winning Criteria

  • Minimum transaction value Rs 100/-
  • Minimum 03 successful bill payment/ transactions (Only Digital Transactions- through Internet Banking & Mobile Banking) during the campaign period.
  • Top transacting customers, doing maximum successful bill / recurring payment (Only Digital Transactions) in a month (during Campaign period) on the Bharat BillPay Platform, will be eligible for the rewards.
  • Transactions done through agent POS or agent outlet are not eligible.
  • One customer is eligible for one Award only
  • Terms and conditions

BBPS payment option in Jana Bank Mobile Banking Application Steps

  1. Open Jana Mobile Banking
  2. Click on My Accounts (Top left corner)
  3. select (Bill Pay & recharge)
  4. Select they type of utility bills you want to pay
  5. Input your respective Bill account number/Bill details
  6. Click on Pay
  7. Confirm
  8. MPIN

Here’s an exciting offer for Jana Small Finance Bank customers!

Upto* 100% Cashback on first EMI payment in a month of a loan pertaining to Jana Small Finance Bank Limited, made by the customer with the minimum transaction of Rs.1500 on MobiKwik App by using the coupon code: JANA

Steps to avail the Offer

  • Download MobiKwik mobile application from Play store/App store
  • Complete KYC or Minimum KYC in the application
  • Enter the coupon code and pay Jana Small Finance Bank Loan EMI using MobiKwik application

Points to note

  • Minimum amount spend to redeem the Cashback is Rs.1500
  • Minimum Cashback is fixed at Rs.10 and Maximum Cashback is fixed at Rs 250, for this offer
  • The cashback will be credited to customer’s MobiKwik Wallet.
  • Customers can make EMI payment and avail the Offer by making payment through any mode available on MobiKwik App.
  • The code can be redeemed once per user per month.
  • Offer valid only for users who have completed KYC on MobiKwik.
  • Coupon redemption & Payment should be done on MobiKwik's Android & iOS App.
  • Offer is valid on the first transaction of month on EMI Payment Category of MobiKwik.
  • Offer Valid till 30th Nov 21.
  • MobiKwik has the right to end or call back the Offer without prior notice.

Terms & Conditions

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

Thank you for referring your loved ones.

Our Customer Care Representative will get in touch with them shortly.

Have a great day ahead!

Do feel free to reach us at 1800 2080


With Best Regards,
Team Jana

Dear Jana Banker,
Thank you for expressing your interest in our product. The Bank Representatives will contact you shortly.

Regards,
Jana Small Finance Bank Ltd.

We have noted your preference of opting for QR Code for your business transactions. You will shortly receive the QR Code from the Bank.

If you have any queries, please send us an email at customercare@jana.bank.in or call us on our Toll free number 1800 2080.

Regards,

Jana Small Finance Bank Ltd.

We appreciate your interest in Jana Small Finance Bank. Simply leave your details below to get a call back from our customer care.

Metro Savings Account by Jana Small Finance Bank is designed to offer you the convenience and comfort of a hassle-free, “anytime and anywhere” banking experience.

Key Benefits

FEATURES BENEFITS
Rate of Interest
Average Monthly Balance
  • INR 5,000/-
RuPay Debit Card
  • Platinum Debit Card
Mobile Banking App
  • Mobile Banking App to perform Fund Transfers comfortably

Eligibility Criteria

Applicants must be Resident Indians to be eligible to apply for Regular Savings Account of the following types:

  • Individual (sole or joint account)
  • Senior Citizen

How to Apply

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

Required Documents

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

Service Charges & Fees   |   Terms & Conditions



We have noted your preference of opting out of receiving physical statements. Going forward, you will receive the statement for your account on your registered email Id every month.

If you have any queries, please send us an email at customercare@jana.bank.in or call us on our Toll free number 1800 2080.

Regards,

Jana Small Finance Bank Ltd.

Two Wheeler Loan helps an individual to fulfil his dream of owning Motorcycle or a Scooter of his choice by paying in easy equated instalments. Jana Small Finance Bank provides loan for purchasing Two Wheeler/ Electric Two Wheeler to Existing & New to Bank Customers.

Key Benefits

FEATURES BENEFITS
Quick & Hassle-free Processing
  • No Income Proof Program. Just KYC Submission
Minimum Down Payment
  • Loan Amount as high as 95% of the On Road Cost of the Vehicle
Competitive Interest Rates
  • Pocket-friendly EMI repayment options.
Maximum Loan Amount
  • Loan Amount as High as Rs.7.50* Lakhs
Flexible Tenure
  • 12 Months to 48 months

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can apply for Two Wheeler Loan
  • Any Individual between 20 to 60 Years of Age can apply*
  • Following are the types of customers who can apply for Two Wheeler Loan:
    • Individuals
    • Sole Proprietorship
    • Partnership Firms
    • Registered Companies

How to Apply

  • You can also contact us and our Customer Care Executive, will fix a service appointment with our Relationship Manager to help you with the application process.

Required Documents

  • KYC & active Bank Account details.
  • Loan at Sole discretion of Jana Small Finance Bank*
  • Current Operational States: Maharashtra, Gujarat, Tamil Nadu, Karnataka, West Bengal, Odisha, Delhi-NCR and Pondicherry. Please follow this space for more updates….

Service Charges & Fees



We appreciate your interest in Jana Small Finance Bank. Simply leave your details below to get a call back from our customer care.

RERA Business Account by Jana Small Finance Bank is a current account for Builders/Developers to enable smooth flow of funds to support their real estate project.

The Real Estate (Regulation and Development) Act, 2016 (RERA) act was enacted to safeguard the interest of home buyers and to be monitored by state level RERA Authority.

The promoter of a real estate development firm should maintain a separate account, hereinafter being referred as RERA Account, for each of their projects with a scheduled commercial bank. A minimum % of money collected in the RERA Account should only be used for the construction of the project and the borne towards the land.

It is the responsibility of the developer to comply with the guidelines issued under the act and by the RERA accounts i.e. collection of funds and payments from the RERA account.

Salient Features:

  • The Project Receivable RERA account shall be opened as an RERA Collection Account and operated in the following manner:
  • 100% of the project receivables collected shall be deposited into the Project Receivable RERA account.
  • The Bank shall, at EOD every day, transfer the balance from the Project Receivable RERA account in the following manner through a “Standing Instruction”;
  • 70% of the amount in the Receivable account shall be transferred to the Project Designated RERA account.
  • Balance 30% of the amount in the Project Receivable RERA account shall be transferred to the Promoter/Developer/Builder’s current account.
  • The Project Designated RERA account shall be opened as an account with account operations subject to the following guidelines:
    • All transactions in the account shall be in accordance with the norms given in the RERA Act, as in the funds must be used for land acquisition, building, and project completion only.
    • Credits, as mentioned above, would be initiated by the Bank on a “standing instruction” basis at EOD every day from the Project Receivable RERA account.
    • Each withdrawal/transfer from the Project Designated RERA Account shall be made on receipt of a request letter from the Promoter, signed by the authorized signatory of the Promoter (i.e. Project Engineer, Architect & Chartered Accountant)
    • The Promoter/Builder/Developers account shall be opened as a Regular Current account, or any current account as requested by the developer.

Eligibility Criteria:

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

Eligible Projects for opening RERA Account

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

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.

Thank you for referring your loved ones.

Our Customer Care Representative will get in touch with them shortly.

Have a great day ahead!

Do feel free to reach us at 1800 2080


With Best Regards,
Team Jana

  1. Jana My Circle
  2. Thank You
  3. Life Insurance LP
  4. OD-FD Campaign

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