Jana Finance Bank (For easiest Rupay Select DC)

[Vasuki]

Here is my experience of opening Jana finance ( video kyc - variant account)

590 joining fees ,+ 590 annual fees in first year
Yes account variant name is - video kyc ( don't open other account type like sa+fd or digi account)

STEPS :-
1 - OPEN JANA FINANCE BANK WEBSITE WEBSITE LINK
2 - TOP LEFT MENU
NOW SELECT -
INDIVIDUAL
SAVINGS accounts
video kyc (4th In list ) 2500 mab or 25k fd
Start now

3 - FILL YOUR DETAILS
IMPORTANT INFO HERE WHILE FILLING FORM
IF you address doesn't have Jana finance bank branch your application won't go through.
What's the remedy - CHECK BRANCHES FROM here. :- BRANCH LOCATOR

Give new address as communication address ( no verification doc asked as u know ) but maybe during kyc u might have hiccups if you aren't calling from current address)

Solution is use - only for TF ace and above dm me


Now coming to Vkyc experience:-
( If u don't get agent keep trying u will get or schedule even then u might not find agent then just keep trying eventually u will get within a hour of try )

- they will ask you
Name
DoB
Father's name
Email id
Complete address ( communication) with pincode
Tell u read code from screen
Picture & Signature

They might ask where u calling from

After this - they will inform you to fund 2500 or fund 25k & get rupay platinum dc for free FY.
But Tell them u are interested in Rupay select Dc & will get it by calling customer care.
They will agree .
Then they will inform about intrest rate fd rd . which you listen & nod .


AFTER KYC :- ONE HOUR INTO KYC I GOT CRN number
Logged into app with CRN number.
Called customer care ( it's straight forward call like idfc ivr directly connected to agent )
They will verify your details like name ,dob ,mother name , email
And tell them u want Rupay select dc .they will say 590 + gst agree and u will recieve a sms for request number.
While on call

You will get dc + dc pin ( 2 parcel via courier)
+ Maybe a welcome kit too

In same evening got call for applying dc & cheque.
Since I had cheque book.
I applied for just cheque book (25p ) free.
For passbook - was told to contact bank



Dc picture :--

Schedule of charge pdf is attached.


caution - plz don't fund account before atm card delivery


People who have doubt on bank performance
Check this article -

https://www.moneycontrol.com/news/business/earnings/jana-small-finance-bank-q4-net-profit-jumps-to-rs-321-crore-asset-quality-healthy-12710702.html

:- if you have query ask 😁

 

[VISHESH_BANSAL]

Bhai acchi deal hai
Prime membership 900-900 m bech sakte hai
Aur faltu ke coupons ko thikane laga skate hai 60-70 m

To fyada hi fayda

Uber wale merko de dena. Bulk Purchaser ka discount milega na ?🤣

 

[doraemon]

Uber wale merko de dena. Bulk Purchaser ka discount milega na ?🤣

Bulk kaha bhai ek hi card hai ek hi coupon milega

 

[VISHESH_BANSAL]

Bulk kaha bhai ek hi card hai ek hi coupon milega

Jab Setup kar loge 50-100 Card thode bhot le leunga🤣

 

[imuntitled]

4-5 is okay I think

hamesh chota socha hai 😒

 

[imuntitled]

I got this account opened for Amazon Prime membership through RuPay Select but in hindsight it doesn't appear to be a smart move as around Rs 1180 turned out to be the charges for debit card in the first year (Rs 590 already deducted and another Rs 590 in the next few days as per customer care executive).

so what is the smarter move? 👀

 

[theflash]

I got this account opened for Amazon Prime membership through RuPay Select but in hindsight it doesn't appear to be a smart move as around Rs 1180 turned out to be the charges for debit card in the first year (Rs 590 already deducted and another Rs 590 in the next few days as per customer care executive).

If you've taken the card for sole purpose of Amazon prime then it is not a loss actually you're savings around ₹320 on prime if you're above 24 years then it's a benefit otherwise a loss actually. But If you take uber voucher you'll get around 1 a quarter AFAIK. So

Uber : ₹400 every year
Amazon Prime : ₹320(saved) 1st year.
Gym membership : 3-4 Months if you use or approx 600-700 if you sell.
SPA : 3-4 times a year
Health Checkup: 1 a year (can be more as well I'm not sure as I've not used more than once it till now)
Golf: 1 a year (can be more as well I'm not sure as I've not used it till now)

so ideally you paid ₹1180 (First Year)

Saved: ₹400+₹1500+₹600+ some benefits.

I'm happy to be corrected.

and just FYI

I've redeemed these since Aug'23 :

3 Amazon Prime yearly
2 Hotstar yearly
6-7 Spa
5-6 GYM
5-6 Uber
2 Health Checkup

and Jana Small bank Benefits are yet to be claimed....

 

[doraemon]

@its_karan Bhai ki duvidha dur kariye

hamesh chota socha hai 😒

 

[iNokia]

If you've taken the card for sole purpose of Amazon prime then it is not a loss actually you're savings around ₹320 on prime if you're above 24 years then it's a benefit otherwise a loss actually. But If you take uber voucher you'll get around 1 a quarter AFAIK. So

Uber : ₹400 every year
Amazon Prime : ₹320(saved) 1st year.
Gym membership : 3-4 Months if you use or approx 600-700 if you sell.
SPA : 3-4 times a year
Health Checkup: 1 a year (can be more as well I'm not sure as I've not used more than once it till now)
Golf: 1 a year (can be more as well I'm not sure as I've not used it till now)

so ideally you paid ₹1180 (First Year)

Saved: ₹400+₹1500+₹600+ some benefits.

I'm happy to be corrected.

and just FYI

I've redeemed these since Aug'23 :

3 Amazon Prime yearly
2 Hotstar yearly
6-7 Spa
5-6 GYM
5-6 Uber
2 Health Checkup

and Jana Small bank Benefits are yet to be claimed....

Can spa and gym be taken in someone else’s name?

 

[doraemon]

Hey

If you've taken the card for sole purpose of Amazon prime then it is not a loss actually you're savings around ₹320 on prime if you're above 24 years then it's a benefit otherwise a loss actually. But If you take uber voucher you'll get around 1 a quarter AFAIK. So

Uber : ₹400 every year
Amazon Prime : ₹320(saved) 1st year.
Gym membership : 3-4 Months if you use or approx 600-700 if you sell.
SPA : 3-4 times a year
Health Checkup: 1 a year (can be more as well I'm not sure as I've not used more than once it till now)
Golf: 1 a year (can be more as well I'm not sure as I've not used it till now)

so ideally you paid ₹1180 (First Year)

Saved: ₹400+₹1500+₹600+ some benefits.

I'm happy to be corrected.

and just FYI

I've redeemed these since Aug'23 :

3 Amazon Prime yearly
2 Hotstar yearly
6-7 Spa
5-6 GYM
5-6 Uber
2 Health Checkup

and Jana Small bank Benefits are yet to be claimed....

Dude how is spa?
What services they offer?
And how to check whether my city is in list.
Heath checkup konsa wala liya aapne?

 

[VISHESH_BANSAL]

If you've taken the card for sole purpose of Amazon prime then it is not a loss actually you're savings around ₹320 on prime if you're above 24 years then it's a benefit otherwise a loss actually. But If you take uber voucher you'll get around 1 a quarter AFAIK. So

Uber : ₹400 every year
Amazon Prime : ₹320(saved) 1st year.
Gym membership : 3-4 Months if you use or approx 600-700 if you sell.
SPA : 3-4 times a year
Health Checkup: 1 a year (can be more as well I'm not sure as I've not used more than once it till now)
Golf: 1 a year (can be more as well I'm not sure as I've not used it till now)

so ideally you paid ₹1180 (First Year)

Saved: ₹400+₹1500+₹600+ some benefits.

I'm happy to be corrected.

and just FYI

I've redeemed these since Aug'23 :

3 Amazon Prime yearly
2 Hotstar yearly
6-7 Spa
5-6 GYM
5-6 Uber
2 Health Checkup

and Jana Small bank Benefits are yet to be claimed....

You redeemed Uber GV and Prime mutiple times on single Card since Aug'23 ?

 

[doraemon]

You redeemed Uber GV and Prime mutiple times on single Card since Aug'23 ?

Rupay plat ke baad rupay select hero banega

 

[theflash]

Can spa and gym be taken in someone else’s name?

Ya you'll get code in mail. I give it to my mom she goes and redeems it no issues faced so far.

 

[theflash]

You redeemed Uber GV and Prime mutiple times on single Card since Aug'23 ?

No I have multiple Select DC.

 

[theflash]

Heath checkup konsa wala liya aapne?

Thyrocare. I booked for my uncle. You can do for relatives but can't sell/give to anyone else as you'll receive reports on rupay Select registered email/phone number.

What services they offer?

Dry massage

Dude how is spa?

There are multiple spa companies like I have Aroma Thai Care near me my mom visits there she hasn't complained or had any bad experience so far..

And how to check whether my city is in list.

On Rupay Select webpage when you try to redeem the voucher it'll shown outlets option.

 

[VISHESH_BANSAL]

No I have multiple Select DC.

Canara Select DC allow only One Uber GV per Year

Jana is allowing once per Quarter/ 4 Per Year ?

If yes then Jana Select DC has Upper hand

@007

 

[theflash]

gym

AFAIK only 1 code can be redeemed per number. Check that I'm not sure though.

 

[theflash]

Canara Select DC allow only One Uber GV per Year

Are you Sure about it?

 

[doraemon]

Canara Select DC allow only One Uber GV per Year

Jana is allowing once per Quarte/ 4 Per Year ?

If yes then Jana Select DC has Upper hand

@007

Uber is quarter offer
Where you got that canara gives one time?

 

[VISHESH_BANSAL]

Uber is quarter offer

Depends on Bank to Bank may be

Where you got that canara gives one time?

I am not able to redeem more than once on Canara Select DC

 

[doraemon]

Depends on Bank to Bank may be

I am not able to redeem more than once on Canara Select DC

It's quarter wise bro
Check next quarter
Offer is from rupay