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

 

[DashGem]

I used the vouchers available in rupay select benifits can I close my dc along with account?

yup anyday, btw which bank card you have? don't it has quarterly benefit??

 

[DashGem]

I think its yearly not quaterly. I have Select DC from Canara bank, it only offer yearlyl

with janabank dc, our benefits are renewing every quarter, don't know about other bank

 

[Sahil_07]

with janabank dc, our benefits are renewing every quarter, don't know about other bank

Online acc opening stopped or what?

 

[Kumar93196]

yup anyday, btw which bank card you have? don't it has quarterly benefit??

I have canara rupay select dc they are saying that charges will be deducted for dc any time in this financial year... I thought it's charges are 590 but its 1180

 

[legend101]

Are these benefits quarterly for pnb rupay select credit card or annual for that? I used spa in feb but not renewing that

 

[Sanskar]

Are these benefits quarterly for pnb rupay select credit card or annual for that? I used spa in feb but not renewing that

It’s every quarter

 

[Dragon_slayer]

I have canara rupay select dc they are saying that charges will be deducted for dc any time in this financial year... I thought it's charges are 590 but its 1180

Yes, its 1180 Including GST

 

[Kumar93196]

Yes, its 1180 Including GST

I am thinking of cancelling it

 

[Dragon_slayer]

I am thinking of cancelling it

If this Jana bank is actually offering 4X the benefit at just 590 INR, then yes i would do the same.

I would first confirm with Jana bank if quarterly renewal is actually the case or not. sometimes even on Canara rupay card benefits renew within same year due to BUG.

 

[DashGem]

I have canara rupay select dc they are saying that charges will be deducted for dc any time in this financial year... I thought it's charges are 590 but its 1180

yeah in that case, you should

 

[DashGem]

Online acc opening stopped or what?

yes it was stopped few months back, only offline account opening now or you can call them they can visit your home, For my case they came to my house to open the account.

 

[DashGem]

If this Jana bank is actually offering 4X the benefit at just 590 INR, then yes i would do the same.

I would first confirm with Jana bank if quarterly renewal is actually the case or not. sometimes even on Canara rupay card benefits renew within same year due to BUG.

For Jana bank it's quarterly except for the OTT benefit, my all benefits got renewed on 1st July as i redeemed all of them last month, now i can redeem again

 

[Dragon_slayer]

For Jana bank it's quarterly except for the OTT benefit, my all benefits got renewed on 1st July as i redeemed all of them last month, now i can redeem again

Great. Which account variant do you hold? Did you also registered online?

 

[Sanskar]

For Jana bank it's quarterly except for the OTT benefit, my all benefits got renewed on 1st July as i redeemed all of them last month, now i can redeem again

Does same thing with any other bank select debit card?

Like PNB?

 

[Kumar93196]

The option we are getting for Lakme coupon worth 1500 how it will be used?
Is it for shopping or for there salon?

 

[Vasuki]

You having these kinda doubt at 4 AM ?

Saloon make sure u talk to saloon before visiting or redemption

The option we are getting for Lakme coupon worth 1500 how it will be used?
Is it for shopping or for there salon?

 

[lostwords]

you can call them they can visit your home,

In my case I called Jana customer care for the same and surprisingly Utkarsh SF bank called me next day whether I'm interested to open account
On top of that, branch location mentioned in Jana website is also wrong.

 

[Vasuki]

In my case I called Jana customer care for the same and surprisingly Utkarsh SF bank called me next day whether I'm interested to open account
On top of that, branch location mentioned in Jana website is also wrong.

There was a glitch in the Matrix

 

[DashGem]

In my case I called Jana customer care for the same and surprisingly Utkarsh SF bank called me next day whether I'm interested to open account
On top of that, branch location mentioned in Jana website is also wrong.

yeah in delhi, its the same case, location is wrongly pinned in google map as well. but i guess you can follow the address which is mentioned or check with Customer care for exact address.

 

[DashGem]

Does same thing with any other bank select debit card?

Like PNB?

I am not sure, I only have jana dc, others who have other bank rupay select, you guys can check and reply here. and for PNB i heard in some other thread its quarterly as well, but again not sure though. just call them and ask