Jana Hit Mein Jaari

Quick Read

Everyday Scams You
Shouldn’t Ignore

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

Digital Identity and Data Protection

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

Aadhaar Masking

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

OTP Sharing Risks

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

Protecting Password and Pins

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

Impersonation Scams

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

Phishing Emails

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

Protect Yourself from Digital Arrest Scams

Don’t let fear control your money.

Beware of Digital Arrest scams.
Fraudsters may impersonate police or government officials and pressure you to transfer money.
Never transfer money under pressure to prove your innocence.
Never share your OTP, PIN, CVV or Debit Card details.

Pause. Verify. Disconnect the call immediately. Stay protected.

Stay Safe from Fraudsters Impersonating Authorities

Stay informed. Stay Protected.

Don’t panic. Don’t pay.
Fraudsters may impersonate police or government officials and pressure you to transfer money.
Remember: Genuine authorities will never ask you to transfer money or share banking details.

Pause. Disconnect Call. Verify. Protect.

Stay alert. Bank safe with Jana.

How to Protect Yourself from KYC Scams

Stay Updated. Stay Secure.

Fraudsters may use fake links, calls or messages asking you to complete an urgent KYC update.

Remember:

Avoid suspicious KYC links.
Do not act under pressure.
Complete KYC only through official Jana SFB channels.

Verify before you act.

How to Identify Impersonation and Communication Scams

Fraud can look convincing.

Fraudsters may use Digital Arrest, Phishing, Vishing, Quishing, Search Engine Fraud, Social Media Impersonation, SMS/Email/Call Scams and Deepfakes to appear genuine.

They may create fear, urgency or trust to make you share information, scan a QR code, click a link or transfer money.

Don’t act under pressure. Verify First. Use only official and independently verified channels.

How to Protect Your Banking Credentials and Devices

Protect your money

Never share your OTP, PIN, CVV or card details.
Stay alert to Card Fraud, APK Scams, SIM Swapping, Remote Access Fraud, Juice Jacking, Ransomware and Smartphone Scams that can compromise your device or banking access.
Use trusted apps, secure websites, networks and charging sources.

Protect your credentials. Protect your device.

Why You Should Avoid Public Wi-Fi for Banking

Public Wi-Fi? Not for Banking.

Public or free Wi-Fi networks may put your banking information at risk.
Use a trusted private network or mobile data for banking and digital transactions.

Connect Safe. Bank Safe.

Money, Loans and Investment Traps

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

Loans / Lending Apps

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

Investment Offers

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

Fake Job Offers

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

Money Mule

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

How to Stay Safe from Investment Scams

Invest Wisely. Stay Protected.

Promises of unusually high or guaranteed returns may not always be genuine.

Before investing:

Verify the source.
Understand the risks.
Choose trusted and regulated institutions.

Every investment deserves a second thought.

How to Stay Safe from Fake Offers and Money Transfer Scams

An attractive offer can hide a fraud.

Stay alert to:

Online Job Scams
Online Gaming Scams
Lottery Fraud
Cyber Slavery
Money Mule Schemes

These scams may use promises of jobs, winnings, prizes or commissions to make you pay, share financial details or move money through your account.

Verify the offer. Protect your Account.

Card, ATM & Transaction Safety

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

ATM Safety

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

Card Skimming

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

Toll-Free Scam

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

Inoperative Account

Prolonged inactivity of over 2 years may result in your account becoming inoperative. To keep your account active, please transact regularly.

If your account has become inoperative, visit your nearest Jana Small Finance Bank branch with valid KYC documents to reactivate your account.

Your Rights & Responsibilities

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

Customer Rights / Grievance Redressal

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

Nominee

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

Financial Security

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

Why Registering a Nominee Matters

A nomination helps make it simpler for your loved ones to access your bank account, deposits and locker benefits when needed.
A SMALL STEP TODAY CAN MAKE THINGS EASIER TOMORROW.
Check. Register. Keep your nomination updated.

Why You Should Keep Your Contact Details Updated

Ensure your registered mobile number and email ID are current.

Stay informed with important information such as:

Transaction Alerts
Account Updates
Service Communications

Stay Connected. Stay Informed.

Emerging Scams: Stay Ahead of the Fraudsters

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

QR Code Fraud

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

WhatsApp Link Fraud

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

OTP Fraud

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

Grievance Redressal

How to Raise and Escalate a Banking Grievance

Know your grievance Redressal options. For assistance with banking-related concerns, contact Jana SFB through our official channels:

Customer Care: 1800 2080
Email: customercare@jana.bank.in

If your grievance remains unresolved or you are not satisfied with our response, you may approach the RBI Ombudsman.

We’re here to support you.

Safe Digital Banking

Smart Habits for Safer Digital Banking

Use trusted apps and secure networks.
Verify digital lending apps before using them.
Set appropriate card transaction limits.
Never allow others to use your account to receive or transfer money.
Authorised Jana calling numbers are:
- 1600-series – Service & Transactional Calls
- 140-series – Promotional Calls

Stay Informed. Bank Securely.

Banking Services & Account Awareness

What to Do When Your Re-KYC Is Due

Is your Re-KYC due?

Periodic Re-KYC helps ensure that your KYC details remain updated. Please get in touch with your nearest Jana SFB branch to complete the required update. Complete your Re-KYC within the applicable timeline.

How to Check and Exchange Banknotes

Have any Soiled or Mutilated banknotes? You can exchange them at a bank branch.

When receiving cash, remember:

Look – Check the watermark and security thread.
Feel – On ₹100 and above, feel the raised printing on the portrait of Mahatma Gandhi and Ashoka Pillar emblem.
Tilt – On ₹100 and above, check the security thread changing from green to blue.
For assistance, please speak to our branch team.

For assistance, please speak to our branch team.

Important Information on Cheques, Failed Transactions and Unclaimed Deposits

Continuous Cheque Clearing: Cheques can now be processed faster. Please ensure sufficient funds are available when issuing a cheque.
Failed Digital Transactions: If a debited amount is not reversed within the prescribed timeline, please seek assistance through official banking channels.
Unclaimed Deposits: Deposits unclaimed for 10 years or more can still be traced and claimed through the respective bank.

For any further assistance, please speak to our branch team.

Smart Streams