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]

For some it's none

Never looked into this

 

[rizzer]

For some it's none

yes standard is 1 year but this is rip off

 

[theflash]

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 .

@cc_dc_explorer ... ... ..

 

[legend101]

Going to open the account offline tomorrow, can someone please sum up which account to open and how much to fund. Theres lot of discussions going for premier or videokyc account.

Also i don't have my cheque book with me, do they take upi/neft or any other mode?

 

[Ra.One]

Going to open the account offline tomorrow, can someone please sum up which account to open and how much to fund. Theres lot of discussions going for premier or videokyc account.

Also i don't have my cheque book with me, do they take upi/neft or any other mode?

Metro savings account, 5K MAB, cheque book for IP is a must.

 

[legend101]

Metro savings account, 5K MAB, cheque book for IP is a must.

Higher ip for 0 mab is which variant? And same 590rs dc for all?

 

[cc_dc_explorer]

@cc_dc_explorer ... ... ..

No he is from Bangalore.

 

[cc_dc_explorer]

Going to open the account offline tomorrow, can someone please sum up which account to open and how much to fund. Theres lot of discussions going for premier or videokyc account.

Also i don't have my cheque book with me, do they take upi/neft or any other mode?

HERE IS THE SUM UP OF JANA BANK... Upvote if it helps

If you want chargable RSDC (590 Issuance, 590 yearly), then go for Metro savings account, 5K MAB, NEFT, UPI Check accepted for IP. ( 6% or 600 charges on non maintainance of MAB)

If you want NO charge RSDC (590 yearly but reversed by RM after charge is levied next year), then go for Premier (newly launched), Just get confirmation from your RM if they have option to reverse it or not. 1 L IP check, withdraw after one month. Family banking supported. ( NIL charges for non-maintainance of MAB). You can choose your acc no.

If you have senior in your family get them Legend Savings acc, 25k MAB , RSDC free. Use their DC.

If you want account without any charges, be it maintainance, account closure or any service. RSDC free. Go for their Exclusive offering. 3L of IP Check. Family banking supported. No charges for anything even account closure. 10k Taj voucher joining benefit. (NIL MAB non-maintainance charge). You can choose your acc no.



Here is my take...
Unfortunately My account is already opened as Premier otherwise I would have opted for Exclusive acc with 3L IP check.
Benefits: Choose your acc no + LTF RSDC + 10k Taj voucher + NO MAB non-maintanance charge( withdraw after one month) etc.....

 

[cc_dc_explorer]

@cc_dc_explorer ... ... ..

I would suggest visit your nearest branch and talk with them. They will definitely help you to their best. What I noticed is my branch doesn't had much customers and empty mostly so the executives are eager to get account open and help as much as they can.

 

[rizzer]

If you want chargable RSDC (590 Issuance, 590 yearly), then go for Metro savings account, 5K MAB, NEFT, UPI Check accepted for IP. ( 6% or 600 charges on non maintainance of MAB)

If you want NO charge RSDC (590 yearly but reversed by RM after charge is levied next year), then go for Premier (newly launched), Just get confirmation from your RM if they have option to reverse it or not. 1 L IP check, withdraw after one month. Family banking supported. ( NIL charges for non-maintainance of MAB). You can choose your acc no.

If you have senior in your family get them Legend Savings acc, 25k MAB , RSDC free. Use their DC.

If you want account without any charges, be it maintainance, account closure or any service. RSDC free. Go for their Exclusive offering. 3L of IP Check. Family banking supported. No charges for anything even account closure. 10k Taj voucher joining benefit. (NIL MAB non-maintainance charge). You can choose your acc no.



Here is my take...
Unfortunately My account is already opened as Premier otherwise I would have opted for Exclusive acc with 3L IP check.
Benefits: Choose your acc no + LTF RSDC + 10k Taj voucher + NO MAB non-maintanance charge( withdraw after one month) etc.....

what is IP?

 

[arone]

what is IP?

from the context initial funding

 

[theflash]

It has TF Ace as joining criteria or someone can invite one in 3 month..

When u reach ..ask @Shubham Yadav

I hope I'm eligible now...

 

[theflash]

what is IP?

Initial Payment .

 

[Vasuki]

I hope I'm eligible now...

Groups are dead in tf
Even secret groups are

That's why I said contributing member are not interested anymore because someone just leaks so better stick it

 

[Gabbar.Singh]

@Vasuki The VP of Jana Bank visited me today to discuss their products. They suggested that I open an exclusive account with an initial funding of Rs 3L. They also offered to open an exclusive account for my wife. Additionally, they mentioned that they could provide 24 add-on accounts for family members. Both my wife and I would receive SELECT Debit cards at no cost. There is no penalty for not maintaining the minimum average balance (MAB). If I maintain Rs 3L or more for two months and complete a couple of transactions, I would be eligible for a Taj voucher worth Rs 10k.

 

[Vasuki]

@Vasuki The VP of Jana Bank visited me today to discuss their products. They suggested that I open an exclusive account with an initial funding of Rs 3L. They also offered to open an exclusive account for my wife. Additionally, they mentioned that they could provide 24 add-on accounts for family members. Both my wife and I would receive SELECT Debit cards at no cost. There is no penalty for not maintaining the minimum average balance (MAB). If I maintain Rs 3L or more for two months and complete a couple of transactions, I would be eligible for a Taj voucher worth Rs 10k.

Good luck

How your aunty from.kotak
Did you meet her recently
Hope so because you miss her so much I know

 

[theflash]

There is no penalty for not maintaining the minimum average balance (MAB).

But they can downgrade right..?

 

[nik007rock]

Same I got a call today by an agent asking to open exclusive acc with 3L funding but on checking website it says monthly amb to be maintained is 3L so not sure what to do ,else will take metro savings account

 

[Gabbar.Singh]

How your aunty from.kotak
Did you meet her recently
Hope so because you miss her so much I know

I didn't get what you wanted to say.

 

[cc_dc_explorer]

Same I got a call today by an agent asking to open exclusive acc with 3L funding but on checking website it says monthly amb to be maintained is 3L so not sure what to do ,else will take metro savings account

Don’t worry there is no charge for Exclusive and PREMIER for non maintaining of AMB. See SOC’s attached in this post… https://www.technofino.in/community...e-benefits-and-suggestions.29753/#post-734719