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 😁

 

[theflash]

Noice ... Every month massage milega 🙂

Technically yes coz I have 3-4 Select DC so...

 

[Vasuki]

Technically yes coz I have 3-4 Select DC so..

Like which all banks

 

[theflash]

Like which all banks

Canara & Jana

 

[Vasuki]

Canara & Jana

Canara digital account 2k mab right ?

 

[theflash]

Canara digital account 2k mab right ?

Yep but not digital.

 

[Vasuki]

Yep but not digital.

How did u open onboarding ..I closed canara account in 2016-2017 something..
Hence can't open online

 

[theflash]

How did u open onboarding ..I closed canara account in 2016-2017 something..
Hence can't open online

I visited branch and told them I want Rupay Select DC so which account is required they tried pitching 25k MAB acct I asked them for lower MAB possibility. Then the executive told me 2k MAB account is also there you can opt that I agreed and finished the process. But in form I did mention Rupay Select and got Visa Classic. After a month of account opening and receiving DC I was able to request Rupay Select DC.

 

[rodeoSRP]

Canara & Jana

How did you register 4 rupay select DCs? You have 4 different mobile numbers?

 

[Vasuki]

I visited branch and told them I want Rupay Select DC so which account is required they tried pitching 25k MAB acct I asked them for lower MAB possibility. Then the executive told me 2k MAB account is also there you can opt that I agreed and finished the process. But in form I did mention Rupay Select and got Visa Classic. After a month of account opening and receiving DC I was able to request Rupay Select DC.

So have to open 2k account.
I guess the same is in pnb bank

Did they open account via tab or paper

 

[theflash]

So have to open 2k account.
I guess the same is in pnb bank

Did they open account via tab or paper

Paper for Canara Bank, no account with PNB so no idea abt that.

 

[theflash]

How did you register 4 rupay select DCs? You have 4 different mobile numbers?

I actually have 13 mobile numbers (family members).

 

[Vasuki]

Paper for Canara Bank, no account with PNB so no idea abt that.

Let me visit if time permits tomorrow or day after tomorrow

 

[theflash]

Let me visit if time permits tomorrow or day after tomorrow

Ok also check DM...

 

[marvel]

Ok also check DM...

Hey bro so if I have 3 select cards is it possible to avail cult gym membership for a whole year? Can u confirm that?

 

[ritwik2000]

I visited branch and told them I want Rupay Select DC so which account is required they tried pitching 25k MAB acct I asked them for lower MAB possibility. Then the executive told me 2k MAB account is also there you can opt that I agreed and finished the process. But in form I did mention Rupay Select and got Visa Classic. After a month of account opening and receiving DC I was able to request Rupay Select DC.

Hard way I understood that you should never take dc during account opening process. Mostly they give default card for that scheme code. It's always better to opt for dc after account activation is done

 

[Vasuki]

Hard way I understood that you should never take dc during account opening process. Mostly they give default card for that scheme code. It's always better to opt for dc after account activation is done

Good take .

 

[chinnodu]

Still I think PNB Rupay Credit Card is better option because it comes with all wellness benefits. You pay Rs 500.00 and then LTF provied you make a transaction at least once in a quarter.

You can apply online but you have to upload salary slips of last two months and latest ITR acknowledgement.

In VKYC you will be asked too many questions, basically whatever you filled in the application. Instead of ITR I uploaded Form 16. I received a message saying my application is lying descripant and to contact customer care or nearest bank. Talked to customer care. I was told to send ITR acknowledgement by mail. I did so. I received confirmation that the document received. And in one week I received virtual card.

Pnb Genie app is good and user friendly.

 

[theflash]

Hey bro so if I have 3 select cards is it possible to avail cult gym membership for a whole year? Can u confirm that?

Ig yes if used correctly 😁

 

[theflash]

Still I think PNB Rupay Credit Card is better option because it comes with all wellness benefits. You pay Rs 500.00 and then LTF provied you make a transaction at least once in a quarter.

You can apply online but you have to upload salary slips of last two months and latest ITR acknowledgement.

In VKYC you will be asked too many questions, basically whatever you filled in the application. Instead of ITR I uploaded Form 16. I received a message saying my application is lying descripant and to contact customer care or nearest bank. Talked to customer care. I was told to send ITR acknowledgement by mail. I did so. I received confirmation that the document received. And in one week I received virtual card.

Pnb Genie app is good and user friendly.

But what as I don't have ITR or Salary slip, DC is the only option for me 🥲😞.

 

[imuntitled]

Ig yes if used correctly 😁

jim LTF 👀