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 😁

 

[Vasuki]

Only if I knew this 🥲 I would've save 1180... Anyways I've heard it has Family Banking as well so if I open for 2-3 people from my family and link mine can give 1L cheque for each account and receive DC then remove balance?

Bro smelled the blood 😂😂

 

[Vasuki]

I invited them over today. I wanted to avoid 1180 debit card charges and subsequent 590 charges so I opened Premier account with them with 1 L IP cheque. Premier is a newly launched account by JSFB. They confirmed that no charges will be levied for non maintenance of MAB for premier account. The BM who visited said after receiving debit card you can withdraw the full balance.

Thank you @Vasuki . Waiting for DC now. I will follow your Canara bank post now.

Just let me know based on your knowledge, for BOB can we get two rupay select card ? I remember somewhere I read it on technofino. Also between BOB and Canara which is good and easy to open in Bangalore.

Bm is the guy
Be in contact with him. But I guess no problem will occur

 

[Vasuki]

I invited them over today. I wanted to avoid 1180 debit card charges and subsequent 590 charges so I opened Premier account with them with 1 L IP cheque. Premier is a newly launched account by JSFB. They confirmed that no charges will be levied for non maintenance of MAB for premier account. The BM who visited said after receiving debit card you can withdraw the full balance.

Thank you @Vasuki . Waiting for DC now. I will follow your Canara bank post now.

Just let me know based on your knowledge, for BOB can we get two rupay select card ? I remember somewhere I read it on technofino. Also between BOB and Canara which is good and easy to open in Bangalore.

Bob is 15k + mab account for select dc

Canara would be 2k

If you visit branch they will open in 5 minutes of you filling their form

Or u can open online too
Just have original pan card with you

 

[ritwik2000]

I invited them over today. I wanted to avoid 1180 debit card charges and subsequent 590 charges so I opened Premier account with them with 1 L IP cheque. Premier is a newly launched account by JSFB. They confirmed that no charges will be levied for non maintenance of MAB for premier account. The BM who visited said after receiving debit card you can withdraw the full balance.

Thank you @Vasuki . Waiting for DC now. I will follow your Canara bank post now.

Just let me know based on your knowledge, for BOB can we get two rupay select card ? I remember somewhere I read it on technofino. Also between BOB and Canara which is good and easy to open in Bangalore.

the soc mentions the dc amc is 499+gst, so will it be charged from 2nd year onwards or this year itself ?

 

[theflash]

Bob is 15k + mab account for select dc

Canara would be 2k

If you visit branch they will open in 5 minutes of you filling their form

Or u can open online too
Just have original pan card with you

BOB I'll need to visit the branch to make it to Bob SS acct they need kyc and all so it's bit time consuming... I've kept 20k MAB as of now thinking to get DC then downgrade to Advantage again...

 

[cc_dc_explorer]

Only if I knew this 🥲 I would've save 1180... Anyways I've heard it has Family Banking as well so if I open for 2-3 people from my family and link mine can give 1L cheque for each account and receive DC then remove balance?

Yes it has family banking as well. I think you only need 1L IP check for primary holder and not for all other 2 people that you’ll add. I’ll confirm with my BM and let you know tomorrow.

Also, for if you have any senior citizen in your family you can open JANA LEGENDS ACC with just 25k IP cheque which offers free rupay select dc.

 

[quino]

I wanted to avoid 1180 debit card charges and subsequent 590 charges so I opened Premier account with them with 1 L IP cheque.

but premier acc does have AMC charges. only 590/- will be debited once a year.

 

[cc_dc_explorer]

but premier acc does have AMC charges. only 590/- will be debited once a year.

Yes, BM suggested to open Exclusive account to avoid this charge. But that had IP of 3 L cheque. So BM said that they will reverse this charge of 590 next year for PREMIER ACC. ONLY when it will be applied. So don't worry about that. Also no charges for Non maintainance of MAB. (attached below)

 

[theflash]

Yes, BM suggested to open Exclusive account to avoid this charge. But that had IP of 3 L cheque. So BM said that they will reverse this charge of 590 next year for PREMIER ACC. ONLY when it will be applied. So don't worry about that. Also no charges for Non maintainance of MAB. (attached below)

Your BM seems to be co operative i wonder if I get a same RM.

 

[Ra.One]

Support for Rupay and NPCI reduced in budget. Expect benefits to be scaled back/removed alltogether soon.

 

[iamvk]

GO TO BANK & INVITE THEM OVER
FOR JANA BANK
5K OFFLINE
DON'T KEEP MORE MONEY WITHOUT HOME VERIFICATION

Takes 5-10 days for dc to come

2 CANARA CAN BE OPENED OFFLINE & online takes 1 month for dc to come
2k ,1k 0.5k. Uraban semi urban rular mab

I got Canara DC in 5 days

 

[cc_dc_explorer]

Your BM seems to be co operative i wonder if I get a same RM.

The reversal will be only eligible for PREMIER ACC and not for any other account variant they said.

 

[theflash]

The reversal will be only eligible for PREMIER ACC and not for any other account variant they said.

Your BM is from Mumbai? If yes then share his number in DM I'll talk to him and if he can open my additional accounts then I'll open for mom and brother and will link mine as well 🙃.

 

[ameyabarve]

Opened a Metro savings account offline and got the card delivered in 3 days

 

[rizzer]

this jana bank is crazy went to close today asking 600 for closing no time limit,if u open once to close 600

 

[theflash]

this jana bank is crazy went to close today asking 600 for closing no time limit,if u open once to close 600

Crap 😶. Btw any particular reason?

 

[rizzer]

Crap 😶. Btw any particular reason?

their policy

 

[theflash]

their policy View attachment 62448

I meant any particular reason from your side for acct closure?

 

[rizzer]

I meant any particular reason from your side for acct closure?

canara was enogh fr me

 

[Vasuki]

their policy View attachment 62448

If u close before 1 year their is penalty in most of bank
For some it's 3 month for some it's 6 month
For some it's none