Uncategorised

Endowment:

ICICI PRU Assured Savings Insurance Plan (ASIP)

ICICI PRU Assured Savings Insurance Plan– A Non-Linked Non-Participating Life Individual Savings product, which gives you guaranteed savings benefits to meet your non-negotiable goals.

ICICI PRU Lakshya Lifelong Income

A Non-linked Participating Life Insurance plan

ICICI PRU Savings Suraksha

A Non-Linked Participating Life Individual Savings product

Term:

ICICI PRU iProtect Smart

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

Endowment:

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

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

Key Benefits are as below:

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

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

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

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

Eligibility Criteria

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

Plan Name – ICICI PRU Lakshya Lifelong Income

A Non-linked Participating Life Insurance plan

Key Benefits

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

Plan Name – ICICI PRU Savings Suraksha

A Non-Linked Participating Life Individual Savings product

Key benefits of Savings Suraksha

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

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

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

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

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

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


Term:

Plan Name – ICICI PRU iProtect Smart

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

Key Advantage are as below:

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

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

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

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

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

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


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

  • Disclaimer: Guaranteed Additions (GAs) rate will be 9% for policy term of 10 years and 10% for policy term of 15 years. GAs will be added to the policy at the end of every policy year if all due premiums have been paid. Each GA will be calculated as GA rate multiplied by the total premiums paid till date (excluding extra mortality premiums, Goods & Services Tax and Cess (if any)).
  • Disclaimer: Guaranteed Maturity Benefit (GMB) will be set at policy inception and will depend on policy term, premium, premium payment term, age and gender.
  • Disclaimer: Death Benefit is payable on diagnosis of Terminal Illness. On diagnosis of Permanent Disability (PD) due to an accident, the future premiums under your policy for all benefits are waived. To know more about definitions, terms & conditions applicable for terminal illness & permanent disability due to accident, kindly refer sales brochure of ICICI PRU iProtect Smart.
  • Disclaimer: Accidental Death benefit (ADB) is up to Rs. 2 Crores. ADB is available in Life Plus and All in One options. In case of death due to an accident Accidental Death Benefit will be paid out in addition to Death Benefit. Accidental Death Benefit will be equal to the policy term or (80-Age at entry), whichever is lower.
  • Disclaimer: Critical Illness Benefit (CI Benefit) is optional and available under Life and Health and All in One options. This benefit is payable, on first occurrence of any of the 34 illnesses covered. Only doctor’s certificate confirming diagnosis needs to be submitted. The benefit is payable only on the fulfilment of the definition of the diagnosed critical illness. The CI Benefit, is accelerated and not an additional benefit which means the policy will continue with the Death Benefit reduced by the extent of the CI Benefit paid. The future premiums payable under the policy will reduce proportionately. If CI Benefit paid is equal to the Death Benefit, the policy will terminate on payment of the CI Benefit. To know more in detail about CI Benefit, terms & conditions governing it, kindly refer to sales brochure. CI Benefit term would be equal to policy term or 30 years or (75-Age at entry), whichever is lower.
  • Disclaimer: Additional premium will be calculated based on the increased Sum Assured and outstanding policy term as per your age at the time of each such increase.
  • Disclaimer: Your GMB will be set at policy inception and will depend on policy term, premium, premium payment term, Sum Assured on death and gender. Your GMB may be lower than your Sum Assured on death.
  • Disclaimer: Guaranteed Additions (GAs) totaling 5% of GMB each year will accrue during the first five policy years if all due premiums are paid. GAs accrue on payment of due premium.
  • Disclaimer: Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid. Reversionary bonuses will be applied through the compounding bonus method. All reversionary bonuses will be declared as a proportion of the sum of the GMB and the vested reversionary bonuses, if any. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. A terminal bonus may also be payable at maturity or on earlier death
  • Disclaimer: Guaranteed Income will be set at policy inception. Cash Bonus is a proportion of Sum Assured on Maturity.
  • Disclaimer: Income Start Date (ISD) is fifth policy anniversary after the Premium Payment Term.
  • Disclaimer: Bonus may be declared annually from the first year as ‘Regular Additions’ and will be a percentage of the ‘Sum Assured on Maturity’. Terminal Bonus may be declared by the Company and will be payable at policy maturity or on death.
  • Disclaimer: Sum Assured on Maturity is equal to your total contribution throughout the policy term.
  • Disclaimer: You can avail loans under this policy after the policy acquires surrender value. Loan amount of up to 80% of the Surrender Value can be availed. You have an option to en-cash regular addition after 2 full years’ premium payment, as cash pay-outs based on the applicable cash value factors. This option is not available for reduced paid-up policies.
  • Tax benefits: Tax benefits under the policy will be as per the prevailing Income Tax laws. We recommend that you seek professional advice for applicability of tax benefit on premiums paid and benefits received. Goods & Services Tax and Cess (if any) will be charged extra as per prevailing rates. The tax laws are subject to amendments from time to time.
Corporate Disclaimer
ICICI Prudential Life Insurance Co ltd – Customer Care Number – 1860 266 7766
Jana Small Finance Bank with its registered office at 1st Floor , The Fairway Business Park, Koramangala Inner Ring Road, Bengaluru- 560071 is a Corporate Agent (COR No.: CA0606) of ICICI Prudential Life Insurance Company Limited. The Contract of insurance is with ICICI prudential Life, who is liable for all valid claims on the policy. JANA Small Finance Bank customer’s participation in the policy is entirely voluntary

Endowment:

Bajaj Allianz Life POS Goal Suraksha

Bajaj Allianz Life POS Goal Suraksha is a Non-linked, life, individual, non-participating, limited premium payment, non-medical, POS endowment savings plan.

Bajaj Allianz Life Income Assure

Bajaj Allianz Life Income Assure is a non-linked, participating, life, individual, limited premium payment, monthly income endowment savings plan

Bajaj Allianz Lifelong Assure plan

Bajaj Allianz Lifelong Assure is a non-linked, participating, life, individual limited premium whole of life endowment savings plan.

Bajaj Allianz Life Guaranteed Income Goal

Bajaj Allianz Life Guaranteed Income Goal is a non-linked, non-participating, life, individual, savings, regular & limited premium payment endowment plan.

Endowment:

Plan Name – Bajaj Allianz Life POS Goal Suraksha (UIN: 116N155V11)

Bajaj Allianz Life POS Goal Suraksha is A Non-Participating Non-linked Individual Life Insurance Savings Plan

Key Features:

Guaranteed1 Maturity Benefit

Offers Guaranteed1 Additions at Maturity

Limited Premium Payment Term

Option to take policy loan


1Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure (also available on the Website of Bajaj Allianz Life insurance company Ltd.)

Maturity Benefit:

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

Death Benefit

In case of unfortunate death of the Life Assured due to accident during the waiting period$ or in case of death of the Life Assured after the waiting period$ due to any cause, the death benefit is payable to the nominee(s)/beneficiaries. Such death benefit is stated as Sum Assured on Death# which is as below.
The Sum Assured on Death is the higher of:
(i) 10 times of Annualized Premium*, (ii) 105% of Total Premiums** paid as on date of death, (iii) Sum Assured#
In case of death of the Life Assured during the Waiting period$ other than due to an accident, the death benefit payable to the nominee(s)/beneficiaries will be the 100% of Total Premiums** paid till date, excluding any extra premium & Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.
The policy will terminate on payment of the death benefit. The death benefit is payable provided the policy is in-force and all due premiums have been paid.


* Annualized Premium is exclusive of extra premium, loadings for modal premiums and Goods &Service Tax/any other applicable tax levied, subject to changes in tax laws, if any.
**Total Premiums paid is equal to (Annualized Premium * number of years for which premiums have been paid). Total premium is exclusive of rider premium, extra premium and GST & cess, if any. Please note that GST & cess will be collected over and above the premium under the policy.
#Guaranteed Sum Assured on Maturity and Sum Assured is 10 times the Annualized Premium
$Waiting period is the first 90 days from the date of commencement of risk. Waiting period is not applicable in case of revival.

Eligibility Criteria

Parameter Details
Minimum Entry Age 0 years
(On attaining the age at majority, i.e. 18 years, the Policy will vest on Life Assured)
Maximum Entry Age 55 years
Minimum Age at Maturity 18 years
Maximum Age at Maturity 65 years
Policy Term (PT) &
Premium Payment Term
(PPT)
PT (in year) 10 12 15 20
PPT (in year) 7 6,7,8 5,6,7,8,10 & 12
Minimum Premium Mode Yearly Half-Yearly Quarterly* Monthly*
Premium(Rs.) 3,000 2,100 1,250 450
Maximun Premium As per Maximum Sum Assured
Minimum Sum Assured Rs.30,000
Maximum Sum Assured Rs.25,00,000
Premium Payment Frequency Yearly, Half yearly, Quarterly and Monthly
*Quarterly & Monthly premium payment frequency will be allowed only under auto-debit process (as per the approved RBI facilities)

All ages mentioned above are age as on last birthday.

The premiums mentioned above are exclusive of any extra premium loading and Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.

Risk cover, even for minor life, will commence immediately on the date of commencement of risk of the policy

Bajaj Allianz Life Insurance Co. Ltd.

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

Risk Factors and Warning Statements: Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz Life POS Goal Suraksha is the name of the company and product respectively and do not in any way indicate the quality of the product and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochures & policy document (available on www.bajajallianzlife.com) carefully before conducting a sale. Bajaj Allianz Life POS Goal Suraksha – (A NonParticipating Non-linked Individual Life Insurance Savings Plan) ). Regd Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune – 411006. Reg. No.: 116. CIN: U66010PN2001PLC015959 | Mail us: customercare@bajajallianz.co.in | Call On: Toll free no.: 1800 209 7272 | Bajaj Allianz Life POS Goal Suraksha (UIN:116N155V11). The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo and Allianz SE to use it “Allianz” Logo. All charges/taxes, as applicable, will be borne by the Policyholder.

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


Plan Name – Bajaj Allianz Life Income Assure (UIN: 116N139V02)

Bajaj Allianz Life Income Assure is a non-linked, participating, life, individual, limited premium payment, monthly income endowment savings plan.

Key Advantage are as below:

Guaranteed* Monthly Income for 144 months in case of Income variant.

Lump-sum maturity benefit in addition to 144 months of monthly income pay-out, depending on the variant chosen

Flexibility of limited premium paying term for customers

Lower premium rates for female lives

* Conditions Apply. The guaranteed benefits are dependent on the policy terms, premium payment terms availed along with other variable factors. For details please refer to sales brochure (also available on the Website of Bajaj Allianz Life).

Eligibility Criteria

  • Min Age entry – 0 years
    (Risk cover will commence immediately on date of commencement of risk of the policy and, in the case of a minor life, policy will vest on the life assured on the earlier of attainment of majority, (i.e. 18 years age last birthday) or on maturity date).
  • Max Age Entry – 50 years
  • Minimum Age of Maturity – 18 Years
  • Maximum Age of Entry – 74 years
  • Premium paying term – 5, 7, 10 & 12 years
  • Policy Term – 17, 19 , 22 & 24 years
  • Minimum premium
Variants Premium (in Rs.)
Income 21,965 per annum / 1,977 monthly
Assure 22,058 per annum / 1,985 monthly

Plan Name – Bajaj Allianz Lifelong Assure plan (UIN: 116N122V02)

Bajaj Allianz Lifelong Assure is a non-linked, participating, life, individual limited premium whole of life endowment savings plan.

The key advantages of this plan are:

  • Guaranteed* Cash Back starting from the end of Premium Payment Term
  • Cash Bonus starting from the end of 6th year, if any.
  • Life cover up to the age of 100 years
  • Guaranteed* Death Benefit of up to 300% of Sum Assured depending on the PPT chosen
  • Option to take death benefit in monthly instalments
  • Choice of 3 Premium Payment Terms, viz., 10, 15 and 20 years
  • More value for money with high sum assured rebate
  • Premium rebate for female lives
  • Option to enhance your coverage with rider benefits**

* Conditions Apply. The guaranteed benefits are dependent on the Policy terms, Premium payment terms availed along with other variable factors. For details please refer to sales brochure (also available on the Website of Bajaj Allianz Life).

** Please refer to respective rider sales literature or visit the website of Bajaj Allianz Life for more details and eligibility conditions.

Eligibility Criteria

  • Min Age entry – 10 years
    (Risk cover will commence immediately on the date of commencement of risk of the policy and, in the case of a minor life, policy will vest on the life assured on the earlier of attainment of majority (i.e., 18 years age last birthday) or on maturity date)
  • Max Age Entry – 55 years
  • Policy Term – 100 minus Age at entry
  • Premium paying term – 10, 15 & 20 years
  • Minimum Sum Assured – Rs. 1, 00,000
  • Maximum Sum Assured – Rs. No limit

Plan Name – Bajaj Allianz Life Guaranteed Income Goal (UIN:116N157V10)

Bajaj Allianz Life Guaranteed Income Goal is a Non-Linked, Non-Participating, Individual, Life Insurance Savings Plan

Key Features

  • Choice of 2 variants depending up on your Life Goal
    • Income Benefit
    • Lump-sum Benefit
  • Get Guaranteed1 Increasing Income under Income Benefit$
  • Option to extend your Life Cover beyond your Policy Term
  • Multiple Policy Terms & Premium Payment Terms to choose from

1Conditions Apply. The guaranteed benefits are dependent on the policy terms, premium payment terms availed along with other variable factors. For details please refer to sales brochure (also available on the Website of Bajaj Allianz Life insurance company Ltd.)

$Available with Income Benefit

Maturity Benefit

Lump-sum Benefit – If Lump-sum Benefit is chosen by you, on the Maturity Date, if all premiums are paid, your Guaranteed Maturity Benefit payable as Lump-sum will be an enhanced percentage of your Sum Assured. This is called as Guaranteed Enhancer (GE) and is payable as per the below table:


Policy Term (years) Premium Payment Term (years) Guaranteed Enhancer (GE) % Guaranteed Maturity Benefit
10 5 310% 310% of Sum Assured
10 7 410% 410% of Sum Assured
12 5 375% 375% of Sum Assured
12 7 450% 450% of Sum Assured
12 8 490% 490% of Sum Assured
10 10 520% 520% of Sum Assured
12 12 600% 600% of Sum Assured
15 5 380% 380% of Sum Assured
15 7 455% 455% of Sum Assured
15 8 495% 495% of Sum Assured
15 10 545% 545% of Sum Assured
15 12 605% 605% of Sum Assured
20 5 385% 385% of Sum Assured
20 7 460% 460% of Sum Assured
20 8 500% 500% of Sum Assured
20 10 550% 550% of Sum Assured
20 12 610% 610% of Sum Assured

Income Benefit: If Income Benefit option is chosen by you, on the maturity date, if all premiums are paid, your Guaranteed Maturity Benefit will be paid in yearly, half-yearly, quarterly or monthly installments (as chosen by you at inception of the policy). These are called as Guaranteed Maturity Instalments (GMI), and will be paid at the end of the GMI year for a period equal to your Premium Payment Term (PPT). For yearly frequency the GMI will be payable as per the below table -


Guaranteed Maturity Instalment (as % of Sum Assured)
GMI year (Post the policy term) Policy Term/Premium Payment Term
05-05 10-05 12-05 07-07 10-07 12-07 10-10 12-12
1 40% 40% 50% 45% 45% 55% 50% 55%
2 45% 45% 55% 50% 50% 60% 55% 60%
3 50% 50% 60% 55% 55% 65% 60% 65%
4 55% 55% 65% 60% 60% 70% 65% 70%
5 60% 60% 70% 65% 65% 75% 70% 75%
6 - - - 70% 70% 80% 75% 80%
7 - - - 75% 75% 85% 80% 85%
8 - - - - - - 85% 90%
9 - - - - - - 90% 95%
10 - - - - - - 95% 100%
11 - - - - - - - 105%
12 - - - - - - - 110%

Death Benefit

Lump-sum Benefit

If all due premiums have been paid:

I.Death Benefit during the Policy Term is the, Sum Assured on Death% , as on the date of death. The policy will terminate on payment of the Death Benefit.

II.Death Benefit during the ELC Period (only if chosen) (ELC Period is after the policy term) is the Sum Assured on Death% as on date of death. The policy will terminate on payment of Death Benefit.

Income Benefit

If all due premiums have been paid:

I. Death Benefit during the Policy Term is the, Sum Assured on Death% as on date of death. The policy will be terminating on payment of the Death Benefit.

ii. Death Benefit during payout period i.e. after the Policy Term is-

If ELC is chosen, then the Sum Assured on Death% will be paid. The risk cover will terminate immediately and the Policy will terminate on payment of last GMI.

If ELC is not chosen, then the remaining GMI will be paid. The policy will terminate on payment of last GMI


%Sum Assured on Death is the higher of (i) 10 times Annualized premium*, (ii)105% total premiums* paid on death, (iii) Sum Assured

*Annualized Premium is exclusive of extra premium, rider premiums, and GST and/any other applicable tax levied, subject to changes in tax laws, if any, and Total Premiums paid is equal to (Annualized Premium*number of years for which premiums have been paid.

Total Premium is exclusive of extra premium, rider premiums and GST/any other applicable tax levied, subject to changes in tax laws, if any. Please note that GST/any other applicable tax levied, subject to changes in tax laws will be collected over and above the premium under the Policy.


Eligibility Criteria:


Parameter Details
Minimum Entry Age 6 years
Maximum Entry Age 60 years
Minimum Age at Maturity 18 years
Maximum Age at Maturity> 72 years
- The maximum age does not include the ELC, if opted for or Income Period.
-For policies purchase through POS channel, the maximum Age at Maturity will be as per prevailing POS guidelines, as amended from time to time
Maximum Age for termination of life cover (if ELC is opted) 84 years
-For policies purchased through POS channel, the maximum Age for Termination of Life Cover(if ELC is opted for) will be as per prevailing POS guidelines, as amended from time to time
Policy Term (PT) & Premium Payment Term (PPT)
Lump-sum Benefit
PT (in years) 10 12 15 20
PPT (in years) 5,7,10 5,7,8,12 5,7,8,10,12
Income Benefit
PT (in years) 5 7 10 12
PPT (in years) 5 7 5,7,10 5,7,12
Minimum Premium (Rs.)
Variant Yearly Half-yearly Quarterly Monthly
Lump-sum 22,243 11,344 5,783 2,002
Income 28,822 14,699 7,494 2,594
Maximum Premium (Rs.) As per Maximum Sum Assured
Minimum Sum Assured Rs.1,00,000
Maximum Sum Assured Based on Board Approved Underwriting Policy (For policies purchased through POS channel, the maximum Sum Assured will be as per prevailing POS guidelines, as amended from time to time
Premium Payment Frequency Yearly, Half yearly, Quarterly and Monthly
*Quarterly & Monthly premium payment frequency will be allowed only under auto-debit process (as per the approved RBI facilities)

The product is available for sale through online mode. All the references to age are Age as on last birthday

Risk cover will commence immediately on the date of commencement of risk of the policy and, in the case of a minor life, policy will vest on the life assured on the earlier of attainment of majority (i.e., 18 years age last birthday) and on maturity date.

For policy purchased through POS channel no medical underwriting is required. Premium will vary depending upon the Variant chosen.

The premiums mentioned above are exclusive of any extra premium loading and Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.


Bajaj Allianz Life Insurance Co. Ltd.

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

Risk Factors and Warning Statements: Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz Life Guaranteed Income Goal is the name of the company and product respectively and do not in any way indicate the quality of the product and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochures & policy document (available on www.bajajallianzlife.com) carefully before conducting a sale. Bajaj Allianz Life Guaranteed Income Goal – (a Non-Linked, Non-Participating, Individual, Life Insurance Savings Plan). Regd Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune – 411006. Reg. No.: 116. CIN: U66010PN2001PLC015959 | Mail us: customercare@bajajallianz.co.in | Call On: Toll free no.: 1800 209 7272 | Bajaj Allianz Life Guaranteed Income Goal (UIN:116N157V10). The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo and Allianz SE to use it “Allianz” Logo. All charges/taxes, as applicable, will be borne by the Policyholder.

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


Corporate Disclaimer

Bajaj Allianz Life Insurance Co Ltd – Toll free number – 18002097272

Jana Small Finance Bank with its registered office at 1st Floor , The Fairway Business Park, Koramangala Inner Ring Road, Bengaluru- 560071 is a Corporate Agent (COR No.: CA0606) of Bajaj Allianz Life Insurance Company Limited. The Contract of insurance is with Bajaj Allianz Life Insurance Company Limited, who is liable for all valid claims on the policy. JANA Small Finance Bank customer’s participation in the policy is entirely voluntary

Jana Small Finance Bank Limited Offers as a Corporate Agent of Bajaj Allianz General Insurance Co. Ltd & ICICI Lombard General Insurance Co. Ltd. Which offers wide range of Health Insurance solutions to meet our Medical Urgency Expenses

Jana Small Finance Bank Limited solicits general insurance products as a Corporate Agent of Bajaj Allianz General Insurance Co. Ltd. & ICICI Lombard General Insurance Co. Ltd. Which offers wide range of general insurance solutions to fit every need & every situation. These Insurance Products span across the following different segments

Choose Protection for you & your Family from Life's uncertainties with wide range of Life Insurance products of ICICI Prudential Life Insurance Co. Ltd and Bajaj Allianz Life Insurance Co. Ltd. Distributed by Jana Small Finance Bank Limited. We can choose among Term, Endowment & Traditional Plans. Which offer flexibility in premium, policy term & benefits.

X Bajaj Allianz Life POS Goal Suraksha Bajaj Allianz Life POS Goal Suraksha is a Non-linked, life, individual, non-participating, limited premium payment, non-medical, POS endowment savings plan.

About the Campaign

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

HURRY, book your FD today to avail the offer.

Campaign Duration:

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

Eligible customer details announced

Eligibility Criteria

Existing To Bank (ETB) Customers:

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

How to book a Fixed Deposit?

-OR-

New To Bank (NTB) Customers:

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

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

Terms & Conditions:

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

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

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

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

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

Domestic Money Remittance

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

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

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

Limits and Charges

Transaction Limit for DMR
Per transaction limit INR 5000
Maximum limit per remitter per month INR 25000
DMR-IMPS Slabs (INR) Service charges (INR)
100-1000 10
1001-2000 20
2001-3000 30
3001-4000 40
4001-5000 50

Features and Benefits

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

Eligibility Criteria

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

How to apply

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

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

2024 - 2025

BASEL II – PILLAR 3 DISCLOSURES AS ON MARCH 31, 2025
BASEL II – PILLAR 3 DISCLOSURES AS ON December 31, 2024
NSFR Disclosure Dec 24
NSFR Disclosure Sep 24
NSFR Disclosure June 24
BASEL II – PILLAR 3 DISCLOSURES AS ON September 30, 2024
BASEL II – PILLAR 3 DISCLOSURES AS ON JUNE 30, 2024

2023 - 2024

NSFR Disclosure March 2024
Basel II - Pillar 3 Disclosures as on 31st March 2024
NSFR Disclosure December 2023
Basel II Pillar 3 Disclosures as on 31st December 2023
NSFR Disclosure September 2023
Basel II Pillar 3 Disclosures as on 30th September 2023
NSFR Disclosure June 2023
Basel II Pillar 3 Disclosures as on 30th June 2023

2022 - 2023

NSFR Disclosure March 23
Basel II Pillar 3 Disclosures as on 31st March 2023
NSFR Disclosure December 22
Basel II Pillar 3 Disclosures as on 31st December 2022
NSFR Disclosure September 22
Basel II Pillar 3 Disclosures as on 30th September 2022
NSFR Disclosure June 22 NSFR Disclosure June 22
Basel II Pillar 3 Disclosures as on 30th June 2022 Basel II Pillar 3 Disclosures as on 30th June 2022

2021 - 2022

BASEL II PILLAR 3 DISCLOSURES AS AT 31 MARCH 2022 BASEL II PILLAR 3 DISCLOSURES AS AT 31 MARCH 2022
Net Stable Funding Ratio - March22 Net Stable Funding Ratio - March22
BASEL II PILLAR 3 DISCLOSURES 31 December 2021 BASEL II – PILLAR 3 DISCLOSURES 30 JUNE 2021
BASEL II PILLAR 3 DISCLOSURES 30 September 2021 BASEL II – PILLAR 3 DISCLOSURES 30 JUNE 2021
BASEL II – PILLAR 3 DISCLOSURES 31 JUNE 2021 BASEL II – PILLAR 3 DISCLOSURES 30 JUNE 2021

2020 - 2021

BASEL II – PILLAR 3 DISCLOSURES 31 MARCH 2021 BASEL II – PILLAR 3 DISCLOSURES 31 MARCH 2021
BASEL II – PILLAR 3 DISCLOSURES 31 DECEMBER 2020 BASEL II – PILLAR 3 DISCLOSURES 31 DECEMBER 2020
BASEL II – PILLAR 3 DISCLOSURES 30 SEPTEMBER 2020 BASEL II – PILLAR 3 DISCLOSURES 30 SEPTEMBER 2020
BASEL II – PILLAR 3 DISCLOSURES 30 JUNE 2020 BASEL II – PILLAR 3 DISCLOSURES 30 JUNE 2020

2019 - 2020

BASEL II – PILLAR 3 DISCLOSURES 31 MARCH 2020 Covid-19

Thank you for registering for ‘Khaata Nahi, Nata’.

You will receive the link to the webinar soon. 

With Best Regards,
Team Jana Small Finance Bank

Welcome to the world of privileges! Select Savings Account by Jana Bank provides you the banking services with no fees.

Key Benefits

FEATURES BENEFITS
Rate of Interest
Average Monthly Balance
  • Metro – INR 2,00,000/-
  • Non Metro – INR 1,00,000/-
World of Privileges
  • Complimentary Golf Lessons
  • Complimentary OTT subscriptions
  • Anywhere Banking
  • Free SPA session
No Fees Banking Services
  • Free Select Debit Card
  • Free Unlimited ATM transactions
  • Free online and branch transactions
  • Free Cheque Book Card

Eligibility Criteria

Applicants must be Resident Indians to be eligible to apply for Select 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 understand your world the best. Silver Select Savings Account by Jana Small Finance Bank is designed to simplify your banking. It provides you with High Savings with no fees banking services.

Key Benefits

FEATURES BENEFITS
Rate of Interest
Average Monthly Balance
  • Metro – INR 1,50,000/-
  • Non Metro – INR 75,000/-
World of Privileges
  • Complimentary Health Checkup
  • Complimentary Golf Lessons
  • Complimentary OTT subscriptions
  • Anywhere Banking
No Fees Banking Services
  • Free Select Debit Card
  • Free Unlimited ATM transactions
  • Free online and branch transactions
  • Free Cheque Book Card

Eligibility Criteria

For all Indian Citizens above the age of 60.

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



SMART Money Business Account is designed and customized for your business needs. Our innovative Sweep Facility ensures that cash in your account is invested to multiply your otherwise idle funds.

With comprehensive digital solutions, SMART Money Business Account is seamless solution to manage your cash, while earning hassle-free returns. In addition, you will also get facilities like virtual accounts, a payment gateway service and High Cash Deposit Limit per month.


Product features and benefits:

FEATURES BENEFITS
Average Quarterly Balance
  • ₹ 2,50,000/-
Sweep Facility
  • Earn higher rate of interest on your idle funds in Current Account with Jana Small Finance Bank
  • Threshold amount - ₹ 20,00,000/-
  • Amount multiple for sweep - ₹ 5,000/-
Digital Business Solution
  • Virtual Accounts
  • Payment Gateway Services
  • Sponsor Bank Programs
  • Digital Collections through QR code
Cash Deposit Limit at Branches
  • No charge upto ₹ 50,00,000 per month

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have a SMART Money Business Account

As per KYC policy of the bank.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you 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.



MONEY Back Business Account is designed and customized for your business needs. Our innovative Sweep Facility ensures that cash in your account is invested to multiply your otherwise idle funds.

With rich business digital solution features, MONEY Back Business Account enables you to manage your business like a pro, while earning hassle-free returns.


Product features and benefits:

FEATURES BENEFITS
Average Quarterly Balance
  • ₹ 1,00,000/-
Sweep Facility
  • Attractive and High Interest Rate
  • Earn higher rate of interest on your idle funds in Current Account with Jana Small Finance Bank
  • Threshold amount - ₹ 10,00,000/-
  • Amount multiple for sweep - ₹ 5,000/-
Digital Business Solution
  • Digital Collections through QR code
  • Virtual Accounts
  • Sponsor Bank Programs
Cash Deposit Limit at Branches
  • No charge upto ₹ 20,00,000 per month

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have a MONEY Back Business Account

As per KYC policy of the bank.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you 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.



Digital Business Account is a zero balance account specially designed for growing businesses providing a range of digital business solution for the business needs.

The account gives you 24*7 Online banking with superior benefits, like virtual accounts, payment gateway and an option to earn interest on your hard earned money.


Product features and benefits:

FEATURES BENEFITS
Average Quarterly Balance
  • ₹ 0/-
Sweep Facility
  • Attractive and High Interest Rate
  • Earn higher rate of interest on your idle funds in Current Account with Jana Small Finance Bank
  • Threshold amount - ₹ 3,00,000/-
  • Amount multiple for sweep - ₹ 5,000/-
Digital Business Solution
  • Virtual Accounts
  • Business Debit Card
  • Automated Recon and Statements
  • NACH/E-NACH option for recurring payments
  • Monthly e-statements (Physical statements on request)
Relationship Manager
  • Customers will get a virtual RM for all their business requirements.

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have a Digital Business Account

As per KYC policy of the bank.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you 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.



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.


Product features and benefits:

FEATURES BENEFITS
Average Monthly Balance
  • Nil
Rate of Interest
  • Attractive and High Interest Rate
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

As per KYC policy of the bank.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you 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.



TASC Business Account by Jana Small Finance Bank is designed to offer support and banking solutions to Trusts, Associations, Societies, Clubs and NGOs, to manage their daily transactions, which provides hassle-free banking along with cash handling on a daily basis.

Product features and benefits:

FEATURES BENEFITS
Average Quarterly Balance -
Business Solution
  • Unlimited Free Cheque Books
  • Corporate Internet Banking
Cash Deposit Limit at Branches
  • No charge up to ₹ 10,00,000/- per month

Eligibility Criteria

Both new and existing customers of Jana Small Finance Bank can have a TASC Business Account

As per KYC policy of the bank.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you 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.



About the Campaign

We are celebrating our 74th Independence Day for a fortnight starting from (August 5- 18, 2020). On this occasion, we are adding value to our customers’ lives by making their savings grow with our best-in-class interest rates and also providing COVID-19 insurance to make them feel safe in the current environment.

Campaign Duration:

  • Start Date is 5th August, 2020
  • End Date is 18th August, 2020
  • Both days inclusive

Eligibility Criteria

For Fixed Deposit:

All the potential new and existing individual and proprietorship customers who open a Fixed Deposit of minimum ₹2,50,000 for a tenure of 364 days and above.

For DIGIGEN Plus Savings Account:

All DIGIGEN Plus customers should increase their balance by ₹25,000 and maintain the increased balance in the account for 364 days. (In case the threshold is being breached, the customer must get the DIGIGEN Plus account converted to Regular Savings Account)

Terms & Conditions:

  • JANA SMALL FINANCE BANK is launching a campaign for all the potential and existing individual and proprietorship customers.
  • Customers below the age of 65 years are only eligible for the Campaign.
  • Potential and existing customers will be communicated through social media, e-mail, SMS and / or Call.
  • Campaign starts on 5th August, 2020 and ends on 18th August, 2020 with both days inclusive.
  • Eligibility Criteria:
    • 5.1. For Fixed Deposit:
      All the potential new and existing individual and proprietorship customer who open a new Fixed Deposit of minimum ₹2,50,000 for a tenure of 364 days and above.
    • 5.2. For DIGIGEN Plus Savings Account:
      All DIGIGEN Plus customers should increase their balance by ₹25,000 and maintain the increased balance in the account for 364 days. (In case the threshold is being breached, the customer must get the DIGIGEN Plus account converted to Regular Savings Account)
  • The fixed deposit has to be kept for a minimum tenure of 364 days.
  • The increased balance in the DIGIGEN Plus Account has to be kept for a minimum tenure of 364 days.
  • All DIGIGEN Plus customers who opt to participate in this campaign will have to maintain an Average Monthly Balance of ₹25,000. Post opting for the Campaign, non-maintenance charges will be applicable as below:
    • Non-maintenance charges for Average Monthly Balance:
    • If balance maintained is >=50% of the requirement - ₹125
    • If balance maintained is <50% of the requirement - ₹250
    • 9.1. DIGIGEN Plus Customers fulfilling the eligibility criteria and opt to participate in the Campaign, would receive COVID-19 Insurance Coverage of ₹25,000.
    • 9.2. Customers (Other than DIGIGEN Plus customers) fulfilling the eligibility criteria would receive COVID-19 Insurance Coverage of ₹25,000.
  • The customer will receive the insurance policy from the insurance provider through the e-mail registered with the bank.
  • It is the responsibility of the customers to get the correct e-mail ID registered with the bank.
  • In case of joint account holders, COVID-19 Insurance Coverage will be given only to the Primary Holder of the account.
  • The Fixed Deposit amount has to be booked for a minimum tenure of 364 days with the Bank. (Penalty as per the bank’s deposit policy will be levied for any premature closure)
  • In case of premature withdrawal of the FD, the policy will be withdrawn.
  • Names of eligible customers will be announced after 25th August, 2020. Insurance policy will be issued on 27th August, 2020.
  • The Campaign is launched only for retail Fixed Deposits.
  • Customers who have received an Amazon pay Gift Card for “DIGIGEN- Smart Banking” Campaign and received a COVID-19 policy for “Father’s Week” Campaign are not eligible for the “Independence Day Fortnight” Campaign
  • The total relationship value of the customer has to increase by
    • 18.1. Rs.2.5 lakhs for customers booking a Fixed Deposit,
    • 18.2. Rs.25,000/- for DIGIGEN Plus customers who are increasing their balance and maintain the balance for 364 days.
  • 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 / or offers.
  • Staff of JANA SMALL FINANCE BANK will not be eligible to be part of any contest or promotional campaigns by JANA SMALL FINANCE BANK.
  • For family members of the JANA SMALL FINANCE BANK, the family TRV has to increase by
    • 21.1. 2.5 lakhs for customers booking a Fixed Deposit,
    • 21.2. 25,000/- for DIGIGEN Plus customers who are increasing their balance and maintain the balance for 364 days.
  • All issues pertaining to this Campaign to be raised within 60 days from the announcement of the eligible Customer’s name. If any dispute or complaint or query is raised after 60 days then the same will not be entertained.
  • All disputes arising out of, or in connection with this campaign would be subject to the exclusive jurisdiction of the Courts of Bengaluru alone.
  • Intra bank transfer will not be eligible for offer (JANA SMALL FINANCE BANK to JANA SMALL FINANCE BANK).
  • For more detailed Terms and Conditions for Fixed Deposits, please visit: https://www.janabank.com/deposits/regular-fixed-deposit/
  • For more detailed Terms and Conditions for DIGIGEN Account, please visit:https://www.janabank.com/images/PDF/Terms-and-Conditions-for-DIGIGEN-Account.pdf
  • Insurance cover is subject to Insurance Service Provider insurance terms and conditionsand customer by accepting the campaign, agree to abide by the insurance terms. For COVID-19 Insurance policy Terms and Conditions, please visit: https://www.janabank.com/images/PDF/Jana_COVID19Insurance.pdf
  • This Campaign is voluntary and by participating in the campaign, you are deemed to have read, understood and accepted these Terms and Conditions.

Video KYC is a quick and easy way to open savings account from your home. It ensures that the online journey for opening savings account remains safe, simple, and fast eliminating the need to visit the branch for KYC

Key Benefits:

  • Full KYC savings account in few minutes
  • Enjoy anywhere anytime banking unrestricted balances/deposits
  • Saves time
  • Convenient
  • No Human contact – Your safety is our priority in COVID times

Eligibility Criteria

  • 18 years of age or above
  • A resident of India with a valid Indian address proof
  • New to bank

What do You need?

  • A mobile phone or desktop
  • Internet connection [preferably 4G]
  • Aadhaar Number
  • Original PAN card
  • Blank white sheet and a black pen for signature

Terms & Conditions Apply    |    Service Charges & Fees   |   Frequently Asked Questions

Video KYC is a quick and easy way to open savings account from your home. It ensures that the online journey for opening savings account remains safe, simple, and fast eliminating the need to visit the branch for KYC

Key Benefits:

  • Full KYC savings account in few minutes
  • Enjoy anywhere anytime banking unrestricted balances/deposits
  • Saves time
  • Convenient
  • No Human contact – Your safety is our priority in COVID times

Eligibility Criteria

  • 18 years of age or above
  • A resident of India with a valid Indian address proof
  • New to bank

What do You need?

  • A mobile phone or desktop
  • Internet connection [preferably 4G]
  • Aadhaar Number
  • Original PAN card
  • Blank white sheet and a black pen for signature

Terms & Conditions Apply    |   Service Charges & Fees   |   Frequently Asked Questions

Video KYC is a quick and easy way to open savings account from your home. It ensures that the online journey for opening savings account remains safe, simple, and fast eliminating the need to visit the branch for KYC

Key Benefits:

  • Full KYC savings account in few minutes
  • Enjoy anywhere anytime banking unrestricted balances/deposits
  • Saves time
  • Convenient
  • No Human contact – Your safety is our priority in COVID times

Eligibility Criteria

  • 18 years of age or above
  • A resident of India with a valid Indian address proof
  • New to bank

What do You need?

  • A mobile phone or desktop
  • Internet connection [preferably 4G]
  • Aadhaar Number
  • Original PAN card
  • Blank white sheet and a black pen for signature

Terms & Conditions Apply    |   Service Charges & Fees   |   Frequently Asked Questions

About the Campaign

We are celebrating father’s day for the entire week starting from ( June 19- 27, 2020. ). On this occasion, we are adding value to our customers’ lives by making their savings grow with our best-in-class interest rates and also providing insurance to make them feel safe in the current environment.

Campaign Duration:

  • Start Date is 19th June, 2020
  • End Date is 27th June, 2020
  • Both days inclusive

Terms & Conditions:

  • JANA SMALL FINANCE BANK is launching a campaign for all the potential and existing individual and proprietorship customers.
  • Customers below the age of 65 years are only eligible for the Campaign.
  • Potential and existing customers will be communicated through social media, e-mail, SMS and / or Call.
  • Campaign starts on 19th June, 2020 and ends on 27th June, 2020 with both days inclusive.
  • Eligibility Criteria:
    • 5.1. For Fixed Deposit:
      All the potential new and existing individual and proprietorship customer who open a new Fixed Deposit of minimum ₹2,50,000 for a tenure of 364 days and above.
    • 5.2. For DIGIGEN Plus Savings Account:
      All DIGIGEN Plus customers should increase their balance by ₹25,000 and maintain the increased balance in the account for 364 days. (In case the threshold is being breached, the customer must get the DIGIGEN Plus account converted to Regular Savings Account)
  • The fixed deposit has to be kept for a minimum tenure of 364 days.
  • The increased balance in the DIGIGEN Plus Account has to be kept for a minimum tenure of 364 days.
  • All DIGIGEN Plus customers who opt to participate in this campaign will have to maintain an Average Monthly Balance of ₹25,000. Post opting for the Campaign, non-maintenance charges will be applicable as below:
    • Non-maintenance charges for Average Monthly Balance:
    • If balance maintained is >=50% of the requirement - ₹125
    • If balance maintained is <50% of the requirement - ₹250
    • 9.1. DIGIGEN Plus Customers fulfilling the eligibility criteria and opt to participate in the Campaign, would receive COVID-19 Insurance Coverage of ₹25,000.
    • 9.2. Customers (Other than DIGIGEN Plus customers) fulfilling the eligibility criteria would receive COVID-19 Insurance Coverage of ₹25,000.
  • The customer will receive the insurance policy from the insurance provider through the e-mail registered with the bank.
  • t is the responsibility of the customers to get the correct e-mail ID registered with the bank.
  • In case of joint account holders, COVID-19 Insurance Coverage will be given only to the Primary Holder of the account.
  • The Fixed Deposit amount has to be booked for a minimum tenure of 364 days with the Bank. (Penalty as per the bank’s deposit policy will be levied for any premature closure)
  • In case of premature withdrawal of the FD, the policy will be withdrawn.
  • Names of eligible customers will be announced after 15th July, 2020. Insurance policy will be issued on 15th July.
  • The Campaign is launched only for retail Fixed Deposits.
  • Customers who have received a voucher for “DIGIGEN- Smart Banking” Campaign are not eligible for the Father’s Week Campaign.
  • The total relationship value of the customer has to increase by
    • 18.1. Rs.2.5 lakhs for customers booking a Fixed Deposit,
    • 18.2. Rs.25,000/- for DIGIGEN Plus customers who are increasing their balance and maintain the balance for 364 days.
  • 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 / or offers.
  • Staff of JANA SMALL FINANCE BANK will not be eligible to be part of any contest or promotional campaigns by JANA SMALL FINANCE BANK.
  • For family members of the JANA SMALL FINANCE BANK, the family TRV has to increase by
    • 21.1. Rs.2.5 lakhs for customers booking a Fixed Deposit,
    • 21.2. Rs.25,000/- for DIGIGEN Plus customers who are increasing their balance and maintain the balance for 364 days.
  • All issues pertaining to this Campaign to be raised within 60 days from the announcement of the eligible Customer’s name. If any dispute or complaint or query is raised after 60 days then the same will not be entertained.
  • All disputes arising out of, or in connection with this campaign would be subject to the exclusive jurisdiction of the Courts of Bengaluru alone.
  • Intra bank transfer will not be eligible for offer (JANA SMALL FINANCE BANK to JANA SMALL FINANCE BANK).
  • For more detailed Terms and Conditions for Fixed Deposits, please visit: https://www.janabank.com/deposits/regular-fixed-deposit/
  • For more detailed Terms and Conditions for DIGIGEN Account, please visit:https://www.janabank.com/images/PDF/Terms-and-Conditions-for-DIGIGEN-Account.pdf
  • Insurance cover is subject to Insurance Service Provider insurance terms and conditionsand customer by accepting the campaign, agree to abide by the insurance terms. For COVID-19 Insurance policy Terms and Conditions, please visit: https://www.janabank.com/images/PDF/Jana_COVID19Insurance.pdf
  • This Campaign is voluntary and by participating in the campaign, you are deemed to have read, understood and accepted these Terms and Conditions.

AGM

AGM Notice June 2023 AGM Notice June 2023
AGM Notice May 2022 AGM Notice May 2022
AGM Notice Aug 2021 AGM Notice Aug 2021
AGM Notice June 2020 AGM Notice June 2020

EGM

EGM Notice Sep 2023 EGM Notice Sep 2023
EGM Notice Jul 2023 EGM Notice Jul 2023
EGM Notice Mar 2023 EGM Notice Mar 2023
EGM Notice Aug 2022 EGM Notice Aug 2022

Postal Ballot

Postal Ballot Notice AGM Notice June 2023

About the Campaign

DIGIGEN, a digital bank account that lets you enjoy more interest in life. Now open a DIGIGEN Fixed deposit account in 6 minutes from the comfort of your home. Invest in fixed deposit to earn more interest of 7* % P.A and get an Amazon voucher up to Rs. 150. Offer valid till 18th June 2020.

New customers - Please click https://jana-bank.in/2WRB7LM to open your DIGIGEN Account


Existing DIGIGEN customers

Fund your DIGIGEN account through Internet / Mobile banking

Other Jana Bank Customers

Select Jana Bank customers who have received communication through email and/or SMS can visit the nearest Jana Bank Branch to book the Fixed Deposit and win Amazon vouchers.

Terms & Conditions:

Jana Small Finance Bank is proud to be one of the officially authorised, contribution collection banking partners for the PM CARES Fund. Prime Minister’s Citizen Assistance and Relief in Emergency Situations (PM CARES) Fund’s primary objective is to deal with any kind of emergency or distress situation because of COVID-19 and provide relief to those affected. Donate to the PM-CARES Fund and help India Fight Coronavirus.

You can use our Mobile Banking and Internet Banking portals to make a contribution. It is not the amount that matters but the thought that counts.


Option 1: Make a donation using Internet Banking and Mobile Banking Services:


Step 1 Login to Internet Banking/Mobile Banking of your bank account
Step 2 Add Jana “PM CARES FUND” as Beneficiary
Step 3 Add Jana Small Finance Bank Account Details

Name: PM CARES Fund
Account Number: 4512012244668800
IFSC Code: JSFB0004512
Branch Name: Karol Bagh, New Delhi
Step 4 Enter Amount
Step 5 Click on submit, verify using OTP (if applicable depending upon transaction amount) and pay

Option 2: Online donation using debit cards, net banking and wallets.

Alternatively you can donate on pmindia.gov.in.

For any more details you may visit the PM India website: https://www.pmindia.gov.in/

Stay Safe. Stay Healthy

Terms & Conditions


Assamese

Bengali

English

Gujarati

Hindi

Kannada

Marathi

Odiya

Tamil

PM addresses the nation on 14th April 2020, on India’s fight against COVID-19

Addressing the nation in combating the spread of the corona virus, PM said the extension of lockdown till 3rd May 2020, was decided keeping in mind suggestions from many states, experts and the people. Watch the video here:


View the Hon’ble PM’s Video Message

The link for the Video Message is: https://www.narendramodi.in/watch-live#

Use Arogya Setu app to fight against COVID 19

Your well-being is of utmost importance to us. GOI recommends the use of ‘Arogya Setu’ app to fight against COVID19. We encourage you to stay safe. To download the app, click

Android: https://bit.ly/2X2tRx3

IOS: https://apple.co/3dQvvb1

Protect yourself and others

Help the society by protecting yourself & your loved ones from COVID19 by observing social distancing. Cover your mouth while sneezing/coughing, avoid frequent trips to the market to buy groceries/medicines.

To know more call on GOI’s 24x7 control room on +91-11-23978046

Locate the nearest COVID hospital/testing centre in your area

Stay safe from the COVID-19 Coronavirus & let’s together prevent further spread. If you are facing any Corona virus symptoms like cough, fever or difficulty in breathing please call on 1075 (toll free) or 011-23978046 or visit the nearest COVID hospital.

To find the nearest COVID hospital/testing centre in your area click
https://covid.icmr.org.in/index.php/testing-labs-deatails (source: Indian Council of Medical Research)

Stay Safe

Help the society by protecting yourself and your loved ones from COVID19 by observing social distancing and use of face mask in public places. You can easily make a face cover at home to protect yourself. To know how to prepare your own mask at home click here

(Source:Ministry of Health & Family Welfare website, mohfw.gov.in)

Now open a Savings Bank Account or Fixed Deposits in 3 easy steps and earn best-in-class interest on your hard-earned money. Just keep your PAN and Aadhaar details ready to explore the seamless journey of Digital Account.

More Interest

  • 3%* p.a on Savings Account
  • 6%* p.a on Fixed Deposit
  • Rupay Debit Card with additional facilities

Digital Account Advantages

  • Instant account opening*
  • Earn interest up to 3%* on your savings account balance and 6%* on Fixed deposit
  • Anytime, anywhere fund transfer with NEFT/RTGS/IMPS
  • Debit card with unlimited transactions at Jana Bank ATMs and hosts of other Rupay card benefits
  • FULL KYC verification done at your doorstep to avail complete banking services
  • Fund your Digital Account initially with UPI payment gateway/Debit card/Net Banking

*Initial deposit of Rs 1000

Who is eligible for Digital Account?

  • 18 years of age or above
  • Resident of India with a valid Indian address proof
  • New to bank prospects
  • Valid PAN and Aadhaar details
  • Prospect should not have opened any account using OTP based e-kyc in non-face-to-face mode with any other bank

How to apply?

Open a Digital Account in 3 easy steps:

  1. Step 1. Enter your 10 digit Mobile number and email ID
  2. Step 2. Provide your Aadhaar & PAN details and open your Digital Account
  3. Step 3. Fund your Digital Account to enjoy the Banking Services

Frequently Asked Questions    |    Terms & Conditions

Now open a Savings Bank Account or Fixed Deposits in 3 easy steps and earn best-in-class interest on your hard-earned money. Just keep your PAN and Aadhaar details ready to explore the seamless journey of Digital Account.

More Interest

  • 7% p.a. on Savings Account ( More than 1 lakh and upto 50 lakhs )
  • 7.35% p.a. on Fixed Deposit ( More than 3 years and less than 5 years )
  • Rupay Debit Card with additional facilities

Digital Account Advantages

  • Instant account opening*
  • Earn interest up to 7% p.a. on your savings account balance( More than 1 lakh and upto 50 lakhs ) and 7.35% p.a. on Fixed deposit( More than 3 years and less than 5 years )
  • Anytime, anywhere fund transfer with NEFT/RTGS/IMPS
  • Debit card with unlimited transactions at Jana Bank ATMs and hosts of other Rupay card benefits
  • FULL KYC verification done at your doorstep to avail complete banking services
  • Fund your Digital Account initially with UPI payment gateway/Debit card/Net Banking

*Initial deposit of Rs 1000

Who is eligible for Digital Account?

  • 18 years of age or above
  • Resident of India with a valid Indian address proof
  • New to bank prospects
  • Valid PAN and Aadhaar details
  • Prospect should not have opened any account using OTP based e-kyc in non-face-to-face mode with any other bank

How to apply?

Open a Digital Account in 3 easy steps:

  1. Step 1. Enter your 10 digit Mobile number and email ID
  2. Step 2. Provide your Aadhaar & PAN details and open your Digital Account
  3. Step 3. Fund your Digital Account to enjoy the Banking Services

Frequently Asked Questions    |    Terms & Conditions

Now open a Savings Bank Account or Fixed Deposits in 3 easy steps and earn best-in-class interest on your hard-earned money. Just keep your PAN and Aadhaar details ready to explore the seamless journey of Digital Account.

Digital Account Advantages

  • Instant account opening*
  • Best in Class interest rates on Savings Account and Deposit products
  • Anytime, anywhere fund transfer with NEFT/RTGS/IMPS
  • Debit card with unlimited transactions at Jana Bank ATMs and hosts of other Rupay card benefits
  • FULL KYC verification done at your doorstep to avail complete banking services
  • Fund your Digital Account initially with UPI payment gateway/Debit card/Net Banking

*Initial deposit of Rs 1000

Who is eligible for Digital Account?

  • 18 years of age or above
  • Resident of India with a valid Indian address proof
  • New to bank prospects
  • Valid PAN and Aadhaar details
  • Prospect should not have opened any account using OTP based e-kyc in non-face-to-face mode with any other bank

How to apply?

Open a Digital Account in 3 easy steps:

  1. Step 1. Enter your 10 digit Mobile number and email ID
  2. Step 2. Provide your Aadhaar & PAN details and open your Digital Account
  3. Step 3. Fund your Digital Account to enjoy the Banking Services

Frequently Asked Questions    |    Terms & Conditions

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

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@janabank.com 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@janabank.com.

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 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


For media queries, please contact corp.comm@janabank.com