Individual

Deposits

FD Plus

1. Will this be applicable for new customers or existing customers?

This product will be available for both new and existing customers.

2. When can the customer decide to opt for the ‘No Premature Withdrawal Option’?

Customer has to opt for this at the time of account opening.

3. Can the on-boarding be done through FOS?

No. On-boarding has to be done through Paper Based format only.

4. What if the customer wants to withdraw the deposit before the tenure completes?

No. The customer cannot withdraw the deposit under any circumstances except in case of death of the account holder on order from statutory and/or regulatory body subject to approval from the Product Team.

5. Is there minimum or maximum deposit amount?

Minimum deposit amount should be above INR 15 Lakhs while there is no maximum deposit limit.

6. Will there be additional rate given to Senior citizens and Jana Bankers?

No. There is no additional rate for Senior citizens and Jana Bankers.

7. For FDs above 1Cr, is there special rate available under this product?

There is no special rate for deposits above 1Cr under this product.

8. What is the Code for this product?

Product Code for ‘FD Plus’ product is 411.

9. Are both Cumulative and Non-Cumulative options available?

The product is currently available for both cumulative and non- cumulative options.

10. Are there any other changes in the Terms and Conditions?

No. All other Terms and Conditions remain same as the Regular FD.

For any further information, please contact the nearest Jana Small Finance Bank branch.

Jana Digi

1. What is Jana Digi?

Jana Digi is a new age bank account offered by Jana small finance Bank for new to bank customers.
Customer can open a Jana Digi account by visiting the Jana Digi web Application in www.janabank.com and registering using their Aadhaar number, PAN and other basic details. They can then register for Mobile banking/Retail Internet Banking and start using their Digi account immediately.

2. What are the features of Jana Digi?

Jana Digi is a minimum KYC Digital Bank Account brought to you by Jana Bank. Below are the key features of your Jana Digi account:

  • Interest rate: Earn up to 6%* interest p.a. on your savings account balance
  • No Minimum Balance: Enjoy banking with no balance commitment
  • Free funds transfer: Transfer funds online for free using NEFT or RTGS

3. What are the account features & conditions of Digi Account?

Below is the feature table for Jana Digi accounts:

Features Jana Digi OTP Based
Interest on Savings Available
Physical Debit Card Available

*Cheque book for such account is not available

Account Restrictions Jana Digi OTP Based
Total cumulative credits Allowed INR 190000 in a year
Maximum Balance allowed at any given point of time across all accounts INR 90000
Time limit to complete your Full KYC/ Account Validity 365 days

Optimum/allowed Limits

Product Name Max Tenure Min Amount Max Amount
Savings Account 365 days NA INR 90000
Regular FD : Cumulative 11 Months INR 25000 INR 90000
Senior FD: Cumulative 11 Months INR 25000 INR 90000

4. How much amount I can fund through Jana Digi application?

Product Name Max Tenure Min Amount Max Amount
Savings Account 365 days NA INR 10000 (If choose to open only savings account)
INR 50000 (If choose to open both savings and Fixed deposit accounts)
Regular FD : Cumulative 11 Months INR 25000 INR 50000
Senior FD: Cumulative 11 Months INR 25000 INR 50000

5. How to fund my account till the optimum Limit of Jana Digi account mentioned in FAQ number 3?

You can fund your account by adding this account as a beneficiary in any other bank where you have account and can transfer the fund to your Jana Digi account up to the optimum limit and then use Jana Bank Mobile Banking or Internet Banking to open FD accounts.

6. Can I hold my Jana Digi account jointly with another applicant?

The Jana Digi account is intended for a single user only, and cannot be held jointly.

7. I got disconnected from the Jana Digi App. How can I continue my application?

Please reopen the app and provide your mobile number, and you will be able to continue from where you left off only if your CRN creation is completed else you need to start from the beginning.

8. Can I save my application and continue it later

No. All the information you’ve entered is backed up to our servers. You may leave the app or close it at any point. When you return, you again need to provide your mobile number and fill the details if your CRN creation is not completed.

9. Is my information secure?

The security of your personal information and your online banking transactions is of utmost importance to us. We maintain strict security standards to prevent unauthorized access to your information.

10. How do I start using the Mobile Banking/ Retail Internet Banking App once my account is activated?

Once your account is active, you can download and register in to the Mobile Banking App by entering your CRN and Name and DOB combination. Then generate the MPIN that you chose during the account opening process.

11. I do not have a PAN. Can I still apply for a Jana Digi account?

We need your PAN to open your Jana Digi account.

12. I do not have an Aadhaar number. Can I still apply for a Jana Digi account?

We need your Aadhaar Number to open your Jana Digi account.

13. What is a FATCA declaration and why do I need to make one?

FATCA stands for the Foreign Account Tax Compliance Act. The RBI requires us to collect a FATCA declaration from every customer who opens a savings bank account with us.

14. Why do I need to add a nominee to my account?

Adding a nominee to your account is the smart thing to do. In the unfortunate event of an accident or untimely death, the funds in your account will be transferred to your nominee quickly and easily.
In case you don’t want to add nominee then you can choose the nominee option as ‘No’

15. What will be the fees & charges for Digi account?

Jana Digi is free for use in the digital world. We won’t charge you any minimum balance fees as it is 0 balance account.

16. How can I withdraw cash through my Digi account?

You can visit the branch to withdraw cash from such account.

17. How can I invest in Term Deposit / Fixed Deposit after opening a Jana Digi account?

You can invest in a term deposit / Fixed by funding your savings account through Jana Digi application or you can also register into the Mobile Banking App or Retail Internet Banking and book term deposit through it.

18. How can I deposit money into my Jana Digi account?

You can deposit money via a payment gateway using your Net Banking of another bank. This option is available just after the account activation screen on the Jana Digi application itself.
You can also transfer money from another account through NEFT/IMPS/UPI* at any point of time.

19. How much money can I deposit into my Digi account?

Jana Digi the maximum amount you can have in this account at any given point of time is INR 90K. You can have a cumulative credit of maximum of INR 1.9 Lakhs in this account in a Financial Year.
To remove these restrictions, you’ll need to get verified your KYC details within a year and convert it to a Full KYC Account. Converting to a Full KYC account will lift all your transaction limits.

20. How do I upgrade to a regular Jana savings account?

In order to upgrade to a regular savings account, you will need to verify your Full KYC details. You can book an appointment by calling our customer care on 1800 2080. One of our executives will visit you on the working day to complete the Full KYC verification. For Full KYC conversion, customer to show the original KYC document during the Bank Visit.

21. I tried to deposit money into my Jana Digi account. My bank has debited the money from my account but your app says my transaction has failed. What do I do?

The full amount will be credited back into your source bank account within 10 to 15 working days. If you need to check on the reversal with us, please contact us with the transaction reference number.

22. When will the funds I transferred be available in my account?

If you’ve used a payment gateway to deposit money into your account, you will see the funds in your account within two hours subject to activation of your account and we receiving successful response from the payment aggregator. In few cases, it may take up to 2 working days to credit money into your account. If the funding was successful and you haven’t received your money within two working days, please get in touch with us with the transaction reference number or call at our customer care number 18002080.

23. What is UPI? How do I use it?

UPI stands for Unified Payment Interface. It is a payment method that lets you transfer money instantly, even between banks. You will need to enter the virtual payment address (VPA) of the bank account from which you’d like to transfer funds into your Jana Digi account. This will create a collect request which you will need to authenticate using your UPI PIN.

24. Are there any restrictions on the transactions allowed for Jana Digi?

The aggregate of all credits in the account in a financial year should not exceed INR 190,000/- , unless in-person full KYC process is completed.
In case full KYC is not completed within 365 days from the date of account opening no more credits will be permitted.
Lifting these restrictions is easy! Just schedule an appointment so one of our representatives can visit you to complete your Full KYC.

25. What will happen if I breach these restrictions at any point of time?

In case if you breach these restriction at any point of time before converting into a Full KYC account then bank will close such account and will sent the remaining account balance as a DD to you communication address.

26. Are there any limitations of this account?

This account is a zero balance account which does not comes with a cheque book and debit card. You cannot request branch for your transactions. You can deposit money in to you Jana Digi account through payment gateway transactions or via IMPS/NEFT from other Bank.

27. How do I book an appointment to convert my Jana Digi account to a full-fledged Jana savings account?

In order to upgrade to a regular savings account, you will need to verify your details and convert your account into full KYC account.
You can Call our customer care on 1800 2080 and schedule your appointment or you can visit our nearby branch
One of our executives will visit you to complete the in-person KYC verification. Our customer executive will verify your details with your original PAN, Aadhar & address proof. We will need a few more details from you.
Once this has been done, your account will be upgraded to a Full KYC account within a TAT of 5 working days.

28. Will I receive a confirmation call about my appointment?

One of our customer executives will call you to confirm the time of visit and your address of visit.

29. Can I reschedule the appointment?

One of our agents will call you to confirm your appointment details. If you need to, you can request that your appointment be rescheduled.

30. What is an MPIN and why do I need to set one?

An MPIN is a Mobile Banking Personal Identification Number. You will need your MPIN to login to the Mobile Banking App to transact and access your Jana Digi account.

31. How do I create my MPIN?

During Jana Bank Mobile Banking registration process, you’ll be able to create a 4-digit MPIN of your choice.

32. What if I forget the MPIN? How can I create again?

You can deregister and register yourself to select a new MPIN for operating your account in case you forgot your MPIN.

33. How do I set password for my Net Banking*?

You can set your password while registering for Net Banking. You’ll need your CRN number and Name and DOB combination to register in Retail internet banking.

34. Does my Jana Digi account have a validity?

As per RBI guidelines, your Jana Digi Account has a validity of 365 days, if the KYC formalities are not completed before the completion of 365 days. If you haven’t completed these formalities, your account will be closed at the completion of 365 days.

35. How can account closure be avoided and I can continue to operate the account?

To avoid closure of accounts you can convert your account into a full KYC account.

36. If I haven’t completed my Full KYC, what happens to the account after a year i.e. 365 days?

  • For account with no balance on due date - account will be automatically closed after the year is complete
  • For account with balance – DD with the remaining account balance to be sent to your communication address.

37. In case of account closure, how will the balance of my Digi account be remitted to me?

DD with the remaining account balance to be sent to your communication address in case of account closure.

38. Once my Digi account is closed, can I re-apply for another Digi account?

Unfortunately, once your Jana Digi account is closed, you won’t be able to reactivate it or open a new Jana Digi account.

For any further information, please contact the nearest Jana Small Finance Bank branch.

Online Banking

Mobile Banking

General

1. What is Jana Small Finance Bank Mobile Banking?

  • Jana Small Finance Bank Mobile Banking is a mobile application that allows you to access your bank account(s) using a mobile phone.

2. Who can use Jana Small Finance Bank Mobile Banking?

  • Any Jana Bank customer with an active CASA account and a valid mobile number registered with the bank, can download the Mobile Banking App and register using their CRN or Debit Card details.

3. What are the facilities available in Jana Small Finance Bank Mobile Banking?

  • Jana Small Finance Bank Mobile Banking makes banking a lot simpler. Now you don’t have to visit a Branch or ATM anymore for services like Mini statement, Balance Enquiry, Funds Transfer, opening a Deposit and Mobile recharges.
  • Jana Small Finance Bank Mobile Banking also gives you the access to added features like ATM / Branch Locator, applying for bank’s products, and other service requests.
  • It helps to easily manage your accounts, deposits and cards.

4. Are there any charges for downloading/activating Jana Small Finance Bank Mobile Banking?

  • Jana Small Finance Bank offers Mobile Banking application free of charge to its customers.
  • Your mobile operator may levy charges for GPRS/SMS used. Please check with your operator for details.

5. Which version of handsets support Jana Small Finance Bank Mobile Banking?

  • Jana Small Finance Bank Mobile Banking is supported on all handsets with the following Operating Systems:
  • a) iPhone / iOS 7.0 onwards

    b) Android 4.1 onwards

6. What if I disagree with the terms and conditions for the application and click on the disagree button?

  • In order to use the application, you need to comply with the terms and conditions.
  • In case you disagree, you will not be able to use the application.

7. Where can I find the details of loans on Jana Small Finance Bank Mobile Banking?

  • To view your loan details, click on the button Other Accounts on the Account Summary screen. The default view is deposits.
  • Click on loans to view all the loans linked to your customer id. Click on the Loan Account Number to view the loan details.

8. If I have lost my mobile handset what should I do?

  • If you have lost your mobile phone then please report the same to Customer Service at 18002080.
  • You can download the application on your new handset and register using your CRN or Debit Card details. Once registered on the new handset, you will be de-registered from the older handset.

9. Can I use JSFB MB on two handset simultaneously?

  • No, to ensure security of your account you can only use the application on one handset.

10. How can I navigate to the various modules of application?

  • Once you open the application on your handset, click on the Menu icon present on the top of your screen to access the menu options of the Mobile Banking App.

11. How do I download the Jana Small Finance Bank Mobile Banking application?

  • Jana Small Finance Bank Mobile Banking can be downloaded from Google Play Store for Android devices or from App store of Apple devices.

12. What if I delete/uninstall JSFB MB from my phone by mistake?

  • You will need to download the application again on your handset.
  • Please refer to the FAQ response for "How do I download the Jana Small Finance Bank Mobile Banking application."

13. Can anyone else access my JSFB MB?

  • Jana Small Finance Bank Mobile Banking is user specific.
  • It requires a 4 digit MPIN code that is recognised by the Bank for any transactions via the application.
  • It is a safe and secure process as the application locks itself on entering three consecutive incorrect PINs.
  • For matters of safety you are requested not to share your Jana Small Finance Bank Mobile Banking MPIN with anyone.

14. Will the application get deactivated if I don’t use the service for a period of time?

  • The application will not get deactivated.

15. Can I access JSFB MB when I am on national roaming?

  • Yes, as long as you have internet connectivity activated on your mobile number, subject to availability of the network, you can access Jana Small Finance Bank Mobile Banking anywhere

16. I have formatted my phone, what should I do to activate JSFB MB application again?

  • In case of Android, you just need to download and install the application again. Necessary checks will be performed by the application itself to ensure security. Enter your MPIN and the application is ready to use.
  • In case of iPhone, you will need to perform the registration process again.

Registration

1. How do I register for the application?

  • You can register for the application using either your CRN or Debit Card details. After validating the CRN or Debit Card details, an OTP will be sent to your registered mobile number, which will be needed to complete the registration.

2. How to de-register if my phone is lost?

  • If you have lost your mobile phone then please report the same to Customer Service at 18002080.
  • You can download the application on your new handset and register using your CRN or Debit Card details. Once registered on the new handset, you will be de-registered from the older handset.

3. If I change the mobile number, then will I be able to register for the application?

  • In case you change the mobile number which was earlier registered with the Bank, you cannot register for Mobile Banking as there is a security measure to verify your mobile number before allowing you to register on your Mobile Banking App.
  • Please visit your nearest branch or ATM to update your new Mobile Number with the Bank.

4. What if the application shows an error stating that your number is not registered with a secured channel?

  • Please visit your nearest branch or ATM to register/update your new mobile number with the Bank to use mobile banking application.

5. I have registered my number using a secure channel but still unable to register?

  • In case you have just registered the number using a secure channel, please wait for 24 hours before trying to register again.
  • In case it has been more than 24 hours, please contact our customer care centre at 18002080.

6. What happens when I try to activate JSFB MB on a handset which does not carry the SIM card of the registered mobile number?

  • The application will be downloaded in the handset and you can register in that handset but the OTP will be sent to your registered mobile number, which you need to provide to complete the registration process.

7. I am on the registration OTP screen, what should I do next to activate the application?

  • You will be sent an SMS with OTP (security code) which needs to be entered on the screen to proceed ahead.

8. I am a current account customer, can I register to the application?

  • At present, the mobile banking services can be availed by current account customers for the following categories: Sole Proprietorship, Resident Indian, and Hindu Undivided Family.

9. I have savings as well as current account with JSFB, which of the two will be synchronised to the application?

  • Both the accounts will be synchronised to the Mobile Banking application.

10. How to complete registration via Debit Card?

  • To register using your Debit Card credentials, enter the below details of your Active* Debit Card:
    • Card Number
    • Card PIN
  • Note: You can activate your Debit Card by doing any transaction at Jana Small Finance Bank ATM or at least one financial transaction (Cash Withdrawal) at non Jana Small Finance Bank ATM.

11. What should I keep in mind while setting the MPIN?

  • Kindly enter unique digits while setting MPIN.
  • You will not be able to set an MPIN which is repetitive or sequential in nature.

12. I have entered wrong debit card details 3 times and my card is blocked, what will happen now?

  • The card will be unblocked after 24 hours.
  • You will not be able to withdraw money from any ATM but you can do the Swipe/POS transactions.

13. If my debit card is blocked or I don’t have a debit card then will I be able to use the MB application?

  • You can also register for Mobile Banking using your CRN number.

Login

1. I have entered the MPIN incorrectly, 3 times and message is displayed that ‘your JSFB MB application is locked’. What should I do?

  • Your MPIN will be unlocked automatically within 1 hour.
  • Alternatively, you can click on ‘Forgot MPIN’ and reset your MPIN to continue accessing the Mobile Banking application.

2. Can I login to Mobile Banking while I am already logged in Internet Banking?

  • You cannot login to Internet Banking and Mobile Banking at same time. Once you log in to Internet Banking, you cannot login to Mobile Banking till the time you do not log-out from Internet Banking.

3. In case I have forgotten my MPIN how should I reset the same?

  • The MPIN can be reset by clicking ‘Forgot MPIN’ icon, you will get an option to reset your MPIN.

Fund Transfer

1. What if I get disconnected from internet or my mobile phone switches off while performing a transaction?

  • You can simply reconnect to Jana Small Finance Bank Mobile Banking and verify your transaction history to check if the transaction has been executed.
  • You can also check the Mini Statement of the account.

2. If I add a payee using the mobile application will this get reflected in the IB portal also?

  • Yes, the beneficiary added using the mobile application will be reflected while using internet banking as well.

3. How to transfer funds to Jana Bank account holders and other bank account holders?

  • Select 'Funds Transfer' from Home Page/Menu and then select the required option for Fund Transfer.

4. If I have multiple accounts and want to transfer money between them, how can I do it?

  • In the Funds Transfer section, select the option "Own Account"
  • Choose the account you want to transfer the amount to.
  • On the next screen select the account you want to transfer from and the amount and proceed like any other fund transfer.

5. While making payments, how do I select a specific account number in case I have multiple account numbers?

  • To select one of your accounts while making payments, use the arrow marks on the account selection area or swipe up and down till the desired account comes into view.

6. Can I schedule the fund transfer for a later date?

  • You can schedule the funds transfer to a later date by clicking on the ‘Later’ option instead of ‘Now’ during fund transfer.

7. Why can’t I see any payees in the transfer to Jana Bank Payees screen?

  • This could be because you have not added any payees so far.
  • Use the "Add Payee" button present at the bottom of the Funds Transfer screen to add a payee.

8. How can I delete a specific payee?

  • You can delete a payee using the Delete Payee button present at the bottom of the Funds Transfer screen

9. How many payees can I delete at one go?

  • Only one payee can be deleted at a time.

10. Can I add a payee without the nickname or the payee name?

  • No, you can’t add a payee without payee name.
  • But payee nick name is not mandatory. You can add a payee without a nick name.

11. How can I add a payee holding an account in another bank and what details are required for the same?

  • You can add another bank payee from Funds transfer -> Add Payee -> Other Bank.
  • Details required to add a payee for other bank account are Account Number, IFSC code, Payee Name.

12. What will be the transaction limit post payee addition?

  • The Customer will be able transfer funds only after 10 mins of new payee addition.
  • For newly added payee transaction limit is Rs. 50,000 for first 24 hours, after which normal transaction limits will apply.

13. What is the maximum amount that can be transferred per transaction from Mobile Banking?

Type Minimum Maximum
RTGS INR 2 Lakhs INR 10 Lakhs
NEFT INR 1 INR 10 Lakhs
IMPS INR 1 INR 2 Lakhs

14. What will be the order of the transaction in the transaction history?

  • The transactions will be visible to the customer in the reverse chronological order i.e. the latest transaction will be the first to appear in the list.

Deposits

1. Where can I get details of deposit on JSFB MB?

  • Login to Jana Small Finance Bank Mobile Banking and click on Deposits arrow in overview screen where you can view Fixed or Recurring Deposits linked to your account.

2. Can I open Fixed Deposit (FD) using JSFB MB?

  • Yes you can open a Fixed Deposit using the Open Deposit option from the Menu of Jana Small Finance Bank Mobile Banking.

3. What details of deposits can be viewed on JSFB MB?

  • You can view the following deposit details:
    • Deposit Amount
    • Account Name
    • Maturity Amount
    • Interest Rate
    • Open Date
    • Maturity Date
    • Status
    • Deposit Type
    • Account Number for Maturity Amount

4. How do I close my deposits using JSFB MB application?

  • Click on the deposits in overview screen. Select the deposit number you want to close. Once you select the deposit you can see the close deposit option at the bottom of the screen. Click that option and proceed further to close the deposit.

Service Requests

1. I have 5 current accounts, but all of these accounts are not visible in the mobile application.

  • At present, the mobile banking services can be availed by current account customers falling in the following categories: Sole Proprietorship, Resident Indian, and Hindu Undivided Family.
  • If you have any further queries, please contact your nearest branch or contact centre at 18002080.

2. How can I request for an account statement through the application?

  • Select the account for which you wish to view / request the statement. The options to view and email statement are present at the bottom of the screen.

3. Will my debit card get instantly blocked?

  • Yes, the debit card will be blocked instantly once you create a service request to block the card.
  • Once blocked, you will not be able to use your debit card for any transaction.

4. Can I reactivate my debit card once it is blocked?

  • Your debit card once blocked cannot be reactivated in future and you will not be able to use your debit card for any transaction.
  • You can request for a new card by visiting your nearest branch.

5. Can I change my debit/credit card pin using my JSFB MB?

  • Yes you can change your card pin from the service request section of the application.
  • Service request -> change card pin -> select the card number from the drop down -> continue -> type the old pin and the new pin and reconfirm the new pin -> submit.

Apply Now

1. Can I apply any type of loans using MB?

  • Yes you can apply for loans from MB by raising your request in Apply Now section. Our customer care will contact you once your request is received by them.

2. In how many days my request will be processed?

  • Your request will be processed in 48 working Hrs.

3. Can I apply for a Deposit?

  • Yes you can apply for deposits from MB by raising your request in the Apply Now section. Our customer care will contact you once your request is received by them.

4. Can I see all the products available to the bank in this section of MB?

  • Yes you can view the products available in the bank.

Locate Us

1. How to use Locate Us?

  • You can find the ‘Locate Us’ section in MB landing page of JSFB. You need to allow JSFB MB app to allow to access location of your device. It will then fetch you the branch and ATM of JSFB in a radius of 50 Km from your device location.

2. Can I find any branch address in PAN India this section?

  • No, you will only find the branch/ ATM within a radius of 50Km from your GPS location.

3. Will I get the phone number of every branch available in this section?

  • No, you will only find the address of the branches visible to you in Locate Us.

4. Will it give me the nearby branch/ATM information?

  • Yes it will always give you branch address within 50Km from your location and also will show you ATM within 50Km from your location if you select the ATM option instead of branch.

For any further information, please contact the nearest Jana Small Finance Bank branch.

Internet Banking

General

1. Why should I opt for Internet banking?

  • Jana Small Finance Bank Internet Banking is a convenient & faster way to access your account & manage your day to day banking transactions anytime, anywhere, 24X7 at your own comfort, without visiting branches and waiting in queues. It’s very secure and simple to operate.

2. What are the benefits of using Internet banking?

  • Jana Small Finance Bank’s Internet Banking provides you a scope for benefits like:
    • Dashboard view of all your relationships with Jana Small Finance Bank - like your accounts, deposits, loans and your credit cards.
    • See your transactions history.
    • Open/close deposit instantly.
    • Transfer money to your own accounts and to other bank accounts.
    • Request, track status/stop payment of issued cheques and of cheques that are in clearing.
    • Update your profile picture, email-id and contact details.

3. Is it safe to use Jana Small Finance Bank, Internet Banking?

  • We provide multiple layers of protection to secure your online banking experience:
    • 128 - Bit encryption to keep your transaction safe.
    • Highly secured Login-id and Password is one layer of security to access your account.
    • Second factor authentication i.e. OTP for all financial transactions.

4. Who is eligible to use the JSFB Internet Banking?

  • Internet banking service is available to all customer having Savings and Current account with JSFB. In all cases, the customer / holder should have the authority to operate the account with full permission.

5. What features / services are available on internet banking?

  • Jana Small Finance Bank Internet Banking gives you accessibility to your account/s - anytime, anywhere, 24X7 - at your comfort. You can manage all your daily transactions online. You can view/download statements, order cheque books and do fund transfers. You can even access requests for different services related to your accounts, deposits or cards.

6. Will all my accounts / relationship details appear under a single user ID in internet banking?

  • Yes, if you are an individual and holding a Current A/c, Savings Account / Deposits / Jana Card / Loan Account with Jana Small Finance Bank, all the relationship with same CRN will be visible in Internet Banking.

7. On which browsers can I use the Internet Banking website?

Windows
Browsers Operating System Current Version
Internet Explorer 9.0+ Windows Vista + Internet Explorer 11 (OS 7+)
Firefox 10+ Windows XP + Firefox 45.0.1
Chrome 15.0+ Windows XP + Chrome 49.0
Safari 5.1 + Windows XP + Safari 5.1.7
Opera 11.60+ Windows XP + Opera 36.0
MAC
Browsers Operating System Current Version
Firefox 23.0+ Mac OS X v10.6+ Firefox 45.0.1
Chrome 25.0+ Mac OS X v10.6+ Chrome 40.0
Safari 5.1+ Mac OS X v10.6+ Safari 9.1

8. Can I download my bank statement from Internet Banking?

  • You can download the statement for your Bank Account using Internet Banking.

Registration

1. How do I register for Internet banking?

  • Click on ‘Register’ option on main screen of internet banking.
  • You have an option to either register using CRN or your Debit Card details. Keep your CRN number or Debit Card details handy, along with access to your registered Mobile number.
  • If registering using CRN, then enter the CRN Number and the first four letters of your name followed by DOB in format DDMMYY.
  • If registering using Debit Card, enter the 16 digit debit card number and ATM Pin.
  • Once you submit your details, you will be asked to setup a Username and Password of your choice. Please keep the rules in mind while selecting your Username and Password.
  • You will receive an OTP on the registered mobile number. Enter the received OTP code and click on ‘Submit’.
  • The process is complete and you can now log in using the Login Id and Password on the main screen.

2. Will I get a confirmation of my registration?

  • You will receive an SMS alert on your registered mobile number once the registration is done.

Login

1. What happens if I forget the Username?

  • You can retrieve you Username by entering you CRN Number and the first four letter of name in lower case followed by DOB in format DDMMYY without any space. You can also use your 16 digit Debit Card Number and debit card PIN to retrieve your Username.

2. What happens if I forget the password?

  • You can reset your password online:
    • Click on ‘Forgot Username / Password’ option on the Login screen of Internet Banking. You can reset your password either using your CRN number or your Debit Card details.
    • If you choose CRN option then enter 16 digit CRN number and the first four letter of name in lower case followed by DOB in format DDMMYY without any space, then customer can create Password of his choice and Authenticate with the OTP sent to his registered mobile number
    • If debit card option is chosen, then you have to enter debit card number and debit card PIN to reset new password of his choice and Authenticate with the OTP sent to your registered mobile number

3. I have exceed the number of wrong password tries, what will happen?

  • In case you have just entered the wrong password tries for 3 times account gets locked, please wait for 24 hours before trying to login again.

Fund Transfer

1. What types of funds transfer can I do through Internet Banking?

  • You can transfer the funds to:
    • Your own Jana Bank Account
    • Accounts within Jana Bank
    • Accounts of other Banks

2. What type of Fund Transfer options are available in Jana Small Finance Bank Internet Banking?

  • NEFT
  • IMPS
  • RTGS

3. Are there any charges for fund transfers done through Internet Banking?

4. How to add a payee/beneficiary for Fund Transfer?

Login to Internet Banking by visiting www.janabank.com

  • a) Addition of Jana Small Finance Bank Beneficiary / payee:
    • Go to ‘Fund Transfer’ and click on ‘Add Payee’.
    • Select the option ‘Jana Bank Payee’.
    • Enter the Payee Account Number and Nick Name for the Payee, and click on Submit.
    • The name of the Payee will be displayed on the screen. Validate if the correct beneficiary is being registered.
    • Enter the OTP to complete registration.
    • Your beneficiary is now registered.
  • b) Addition of Other Bank Beneficiary / payee:
    • Go to Fund Transfer and click on ‘Add Payee’
    • Select the option ‘Other Bank Payee’
    • Enter the Payee’s Account Number, IFSC code or bank and branch details, Payee’s Name, Nickname, along with Payee’s mobile number and email ID, and click on Submit.
    • Verify and confirm your details.
    • Enter the OTP to complete registration.
    • Your beneficiary is now registered.

Note: Funds transfer to any new beneficiary / payee will be enabled only after 10 minutes post activation.

5. How many payees can be added on any given day?

  • 5 payees can be added in a single day.

6. What will be the transaction limit post payee addition?

  • The Customer will be able transfer funds only after 10 mins of new payee addition.
  • For newly added payee transaction limit is Rs. 50,000 for first 24 hours, after which normal transaction limits will apply.

7. What is the maximum amount that can be transferred per transaction from Internet Banking?

Type Minimum Maximum
RTGS INR 2 Lakhs INR 10 Lakhs
NEFT INR 1 INR 10 Lakhs
IMPS INR 1 INR 2 Lakhs

8. What do I do if I have added a payee with incorrect account details and have transferred the money as well?

  • Bank is not responsible for funds transfer to any wrong account by customer. Please ensure all the details are correct while adding a new payee.

9. What are the cut off timings for different types of fund transfer?

  • For NEFT currently the timing starts from morning 8 AM to evening 7:00 PM on all working days.
  • For IMPS there’s no cut-off time, funds can be transferred 24x7.
  • For RTGS currently the timing starts from morning 8 AM to evening 4:30 PM on all working days.

10. Can I initiate fund transfer on bank holidays?

  • Yes, Fund transfer can be initiated on holidays. Fund transfer thorough IMPS will happen immediately, but though the requests for NEFT/ RTGS transactions are accepted on Holidays, the actual debit and the transaction will only take place on the next working day.

11. Can I initiate fund transfer for a future date?

  • Yes, for you can set a funds transfer for a later date during funds transfer.

12. Can I pay from any of my accounts with the Bank?

  • You can initiate fund transfer via any of your linked active accounts to make your payments.
  • You need to select the account number from the list of your linked accounts while initiating a funds transfer instruction online.
  • Please note that if one of your accounts is jointly held and if you do not have debit rights on the account, you will not be able to transfer through such a joint account.

Deposits

1. Can I open /close FDs through Internet Banking?

  • Yes, you can open and close the FD through Internet Banking at any point of time.

2. How long does it take to open FD through internet banking?

  • FD is created real-time, the moment you confirm and authenticate by entering OTP sent to your registered mobile number.

Service Request

1. What are the service requests that I can place through Internet banking?

  • Configure / Update Email ID
  • Change Card PIN
  • Block Card

Locate/ Contact us

1. How do I get in touch with Jana Small Finance Bank in case of any queries? Internet Banking?

  • You can call Jana Small Finance Bank’s customer service toll free number at 18002080.

For any further information, please contact the nearest Jana Small Finance Bank branch.

Corporate Internet Banking

General

1. What is CIB (CIB)?

  • CIB (CIB) is Jana Bank's user-friendly online banking service that helps Business, Corporate and Institutional customers to execute complex banking transactions from with a click of a button.

2. What is the Difference between retail and CIB?

  • In retail internet banking multiple accounts can be operated by a single person but in corporate Single Account can be operated by multiple person according to their Role & limit allocated.

3. Who is eligible for Jana Bank CIB?

  • This service is available to any non-individual entity availing Jana Bank products.

4. How do I access CIB (CIB)?

5. What are the benefits of using Jana Bank’s CIB?

Jana Bank’s CIB comes with a host of benefits like:

  • Single Page view of accounts, deposits etc.
  • Visibility to average and projected balances of accounts
  • Facility to download account statements (PDF/EXCEL formats only)
  • Secure and safe online banking - protected by 2-factor-authentication
  • Option to have Verify-Confirm-Authorise workflow
  • Fund Transfer to own account, Jana to Jana account and Other Bank accounts
  • Simplifying salary payments to multiple beneficiaries via a single file upload
  • Personalised dashboard
  • Admin controlled user access
  • At the click of a button access to cheques book requests, stop cheque request, account statement mail copy, cheque status and request status for your raised service requests.
  • Ease of opening deposit.

6. Which browsers can be used to operate CIB?

  • CIB can be operated through all browsers except Safari and it is a web based application and cannot be operated through Mobile phones due to small screen size.

Security & Safe Banking

1. How safe is Jana Bank’s CIB?

CIB provides multiple layers of protection to secure your online banking experience:

  • Two levels of passwords (Login and Authorization/OTP) to provide enhanced security to all your transactions.
  • Entities also have the option to apply for a maker and checker facility for all financial transactions.
  • There is safetynet functionality to prevent any fraudulent fund transfer and Money Laundering activities.

2. What should I do if I suspect an unauthorized transaction in my account?

  • If you suspect that there has been an unauthorised transaction in your account, please report it to the nearest bank branch immediately or email to customercare@janabank.com/ you can call us on 18002080. You may also contact your Branch or Relationship Manager..

3. What general precautions should I take to protect my account on the Internet?

  • Never disclose your password to anyone and change it regularly
  • Do not access your Internet Banking account from a cyber cafe or a shared computer. However, if you happen to do so, change your passwords from your own computer.
  • Do not give your account information to telemarketers or to callers claiming to confirm or verify your account information. Bank never makes such calls to share such information on the phone.
  • Never respond to emails that request personal information. Jana Bank will not send any requests asking you to disclose your passwords, PINs, OTP or other personal or financial information
  • Always remember to log off from Internet Banking section and close your browser when you have finished your online banking.
  • Always use strong, alphanumeric passwords, which cannot be guessed easily and for multiple accounts, use different passwords and do not write them down.
  • Always check the last login to your Internet Banking account to ensure that there has been no unauthorised login attempt to your account.
  • Do not use passwords that are obvious, like your name/nickname, names of your family members, your address, phone number, or any other information that a thief might find in your purse or wallet.
  • Do not use the same password as the one which you use to log in to your computer or access your email.

For any further information, please contact the nearest Jana Small Finance Bank branch.

Form 15G/15H FAQs

1. 15 G/H form submitted by customer, but exemption not marked?

  • Branch to confirm receipt of 15 G/H form and if SR is raised and processed completely
  • To check if exemption is marked or not
  • To check if PAN is updated or not
  • Exemption cannot be marked on closed A/c’s

2. When TDS needs to be deducted?

  • TDS is to be deducted when the interest income earned exceeds ₹10,000 in a financial year for all resident assesses, except for resident senior citizens. In case of resident senior citizens, TDS is to be deducted when the interest income earned exceeds ₹50,000 in a financial year.
  • Note: From 01 April 2019 onwards TDS limit for resident assesses is increased to ₹ 40,000. There is no change in TDS limit for resident senior citizens.

3. Who can submit 15 G/H form?

  • Form 15G is a declaration for NIL withholding in a financial year submitted by:
    • Resident individual (less than 60 years), HUF, Trust, Societies OR any person claiming income without tax deduction
  • Form 15H declaration:
    • Resident individual who is of the age of 60 years or more.
  • 15G/H cannot be submitted by a Company, Firm, NRI, Foreign National

4. What are the pre-requisites for submitting Form 15G/H?

  • Date of birth & PAN should be updated in bank records. In the absence of PAN, Form 15G/H and other exemption certificates submitted will be invalid and penal TDS will be applicable.

5. What is the time limit during which form 15G/H are valid?

  • Validity of Form 15G/H is only for one financial year ending on March 31 every year.

6. What should be done if the customer forgets to submit the form and TDS is deducted?

  • The only way to seek refund of excess TDS deducted is by filing your income tax return. The TDS that is deducted before the form is submitted will not be refunded by the bank, as the bank would have already deposited it to the income tax department

7. 15 G/H exemption marked at A/c or CRN level?

  • 15G/H shall be marked at account level. The benefit of TDS exemption can be granted only with respect to deposits which are mentioned in Form 15G/H as the case may be. If subsequent to submission of Form 15G/H by the depositor, a new deposit has been created or a deposit has been renewed, a fresh Form 15G/H is required to be submitted for getting exemption from TDS.

8. What is the basic exemption limit for accepting 15 G/H forms?

  • 15 G – 2.5 lakh
  • 15 H ( age of customer at any time during the year is 60-80 years ) – 3 lakh
  • 15 H ( age of customer at any time during the year is 80 > ) – 5 lakh
  • To note – Income mentioned in 15 G/H form should not exceed the mentioned limits
  • For other than Individual (Trust, Society, HUF, Association etc.)
  • 15G- 2.5 Lakh

9. When should the 15 G/H form be submitted?

  • When the FD is opened
  • At the beginning of every FY ( Say by 15th of April )
  • Note: In the case of multiple FD’s opened, the declarations should be obtained each time the new FD is opened.

10. TDS exemption marking for minor operated by guardian FD’s?

  • 15 G/H exemption can be marked only on the guardian’s PAN
  • If minor has a PAN, branch to first ensure that the guardian PAN is linked for deduction of TDS ( the same can be checked in fast path TD021

11. TDS exemption marking for Sole-proprietor FD’s?

  • 15 G/H exemption can be marked only on the proprietor’s PAN
  • Proprietor PAN to be linked to Firm FD A/c’s (the same can be checked in fast path TD021)

12. Can customer claim TDS exemption without submitting Form 15G/H?

  • Yes, customer can claim TDS exemption without submitting form 15G/H, provided special exemption letter is obtained as per section 197 from Income tax department for our Bank TAN ( BLRJ07125G)

For any further information, please contact the nearest Jana Small Finance Bank branch.