Jana Premier Banking (Acc. Opening experience)- Benefits and Suggestions

[SureShot]

Once your customer id(cid) is generated they will start the printing and dispatching process. Got the kit on 3rd working day after creation of cid.

CRN is the customer id right?

 

[pgarg24]

CRN is the customer id right?

Oh yeah its called crn in jana.. most banks call it cid. But yeah once crn is generated, you should get dispatch msg within 1-2 working day and get the kit shortly after that.

 

[Rebel]

Here is my experience:

Interest shown on the bank websites however didn't receive any call 🤙 therefore Tweeted and received a call within half an hr and schedule a visit from the nearby branch, got call from BM and asked to come tomorrow (12th Sept 2024)

12th Sept : BM visited to home
13th Sept : Payment done through NEFT
14th Sept : Holiday
15th Sept : Holiday
16th Sept : Holiday
17th Sept : Dummy account opened & received CRN but no IP showing
18th Sept: Received welcome kit for the dummy account and after having words with BM dummy account closed and new account opened (choose your account number) and IP credited around 5 o'clock evening.
19th Sep : Ask to place a debit card request
20th Sept : no follow up
21st Sept : no follow up
22nd Sept : Holiday
23rd Sept : BM tried to link the dummy account debit card to active account but failed
24th Sept: Raised a request to Nodal officer
25th Sept: Asked BM for welcome kit but no update
26th Sept : Asked BM to close the account but BM insist to allow 1-2 more day, welcome kit dispatched in night)
27th Sept : Welcome kit delivered.


I had a very worst experience and trust me the customer support is pathetic even the nodal desk is. Attached the files.

 

[SureShot]

Here is my experience:

Interest shown on the bank websites however didn't receive any call 🤙 therefore Tweeted and received a call within half an hr and schedule a visit from the nearby branch, got call from BM and asked to come tomorrow (12th Sept 2024)

12th Sept : BM visited to home
13th Sept : Payment done through NEFT
14th Sept : Holiday
15th Sept : Holiday
16th Sept : Holiday
17th Sept : Dummy account opened & received CRN but no IP showing
18th Sept: Received welcome kit for the dummy account and after having words with BM dummy account closed and new account opened (choose your account number) and IP credited around 5 o'clock evening.
19th Sep : Ask to place a debit card request
20th Sept : no follow up
21st Sept : no follow up
22nd Sept : Holiday
23rd Sept : BM tried to link the dummy account debit card to active account but failed
24th Sept: Raised a request to Nodal officer
25th Sept: Asked BM for welcome kit but no update
26th Sept : Asked BM to close the account but BM insist to allow 1-2 more day, welcome kit dispatched in night)
27th Sept : Welcome kit delivered.


I had a very worst experience and trust me the customer support is pathetic even the nodal desk is. Attached the files.

first of all why dummy account was created?

 

[Rebel]

first of all why dummy account was created?

BM told me this is the procedure if you're selecting your own account number then first they need to open a dummy account.

 

[2024]

Quick Note: My BM was very helpful and agreed to reverse charges on Debit card every year(applicable for PREMIER acc only). If you’re in Bangalore and wants to open JFSB account DM me. I will share the details.


RSDC = RuPay Select Debit Card
IP = Initial Payment/Funding


I recently opened Jana Bank Premium account for RSDC. There is a post for opening account but it mention online account experience. Nowadays there are some issues with online acc opening. So with suggestion from Vasuki I opened offline only.

BTW Vasuki has detail post on Jana bank here… https://www.technofino.in/community/threads/jana-finance-bank-for-easiest-rupay-select-dc.25626/

View attachment 63287
Here is my offline experience…

• I Visited JANA bank and enquired about Jana products and offerings and benefits. I was trying to match with my research the previous day.
• Invited the BM to my home to open Metro Savings account. Gave time slot of 4 PM.
• BM arrived along with a person and started opening account. Meanwhile I asked them about Premier acc and charges. BM said the charges he can reverse on PREMIER account on the debit card as he have authority over that.
• I doubled confirmed with BM regarding the same and BM confirmed. BM said next year yearly charges of 590 will apply and after that BM can reverse it as BM has authority to reverse DC charges for PREMIER banking up to 1000/- each year.
• BM suggested if I do not want that then I can go with Exclusive acc where no charges are there. Additionally there is no MAB non-maintainanance charges on both PREMIER & EXCLUSIVE.
• So, I went ahead with PREMIER and gave IP of 1 L. At the moment my brain didn’t click to get EXCLUSIVE otherwise would have opted for exclusive.
• Signed few papers, along with one where it mention residence address form. Since I do not have same address on Aadhar as my current residence.
• 2 OTP’s for Adhar and KYC.
• Done with account opening in 10-15 mins.
• SEE ATTACHED FILES FOR DETAILED SOC.

Below is the timeline

25th July 2024: Researched Jana products.
26th July 2024 (Friday) : Visited JANA bank, invited BM. BM arrived and opened account.
27th July 2024 (Saturday): Non working day: Received CRN. Able to login into mobile banking with limited access.
28th : Non working day.
30th July 2024 (Tuesday) : My welcome kit arrived with Debit card. Pictures attached.

I would say pretty fast service.




HERE IS THE SUM UP OF JANA BANK...and suggestion

• If you want chargeable 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 maintenance of MAB)
• If you want NO charge RSDC (590 yearly but reversed by BM after charge is levied next year),
  • Then go for Premier (newly launched), Just get confirmation from your BM if they have option to reverse it or not. Generally BM will have option to reverse it.
  • 1 L IP check, withdraw after one month.
  • Family banking supported.
  • ( NIL charges for non-maintenance of MAB).
  • You can choose your acc no.
• If you have senior in your family get them Legend Savings acc,
  • 25k MAB ,
  • RSDC free LTF.
  • 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.
  • More features……

Here is my take...
Unfortunately My account is already opened as Premier otherwise I would have opted for Exclusive acc with 3L IP check. Since there is no MAB charges, you can withdraw after one month and still the account will be active.
Benefits: Choose your acc no + LTF RSDC + 10k Taj voucher + NO MAB non-maintanance charge( withdraw after one month) etc.....and many more.

Sir I have visited JSFB for exclusive acct bt they told me that MAB has to be maintained so non maintenance charges will be there, I have also checked their website bt it is no where mentioned that 0 non maintenance charges, pl share if you have any documents of JSFB

 

[hellobois]

Sir I have visited JSFB for exclusive acct bt they told me that MAB has to be maintained so non maintenance charges will be there, I have also checked their website bt it is no where mentioned that 0 non maintenance charges, pl share if you have any documents of JSFB

They need money in their bank so misleading you

 

[2024]

They need money in their bank so misleading you

Understood sir, bt if you can share their website screenshot or pdf for exclusive acct

 

[hellobois]

Understood sir, bt if you can share their website screenshot or pdf for exclusive acct

Already shared above

 

[SureShot]

BM told me this is the procedure if you're selecting your own account number then first they need to open a dummy account.

not sure why he told like that, they created only one account for me which is exclusive even before the account gets credited with IP.

 

[cc_dc_explorer]

Here is my experience:

Interest shown on the bank websites however didn't receive any call 🤙 therefore Tweeted and received a call within half an hr and schedule a visit from the nearby branch, got call from BM and asked to come tomorrow (12th Sept 2024)

12th Sept : BM visited to home
13th Sept : Payment done through NEFT
14th Sept : Holiday
15th Sept : Holiday
16th Sept : Holiday
17th Sept : Dummy account opened & received CRN but no IP showing
18th Sept: Received welcome kit for the dummy account and after having words with BM dummy account closed and new account opened (choose your account number) and IP credited around 5 o'clock evening.
19th Sep : Ask to place a debit card request
20th Sept : no follow up
21st Sept : no follow up
22nd Sept : Holiday
23rd Sept : BM tried to link the dummy account debit card to active account but failed
24th Sept: Raised a request to Nodal officer
25th Sept: Asked BM for welcome kit but no update
26th Sept : Asked BM to close the account but BM insist to allow 1-2 more day, welcome kit dispatched in night)
27th Sept : Welcome kit delivered.


I had a very worst experience and trust me the customer support is pathetic even the nodal desk is. Attached the files.

Sir I have visited JSFB for exclusive acct bt they told me that MAB has to be maintained so non maintenance charges will be there, I have also checked their website bt it is no where mentioned that 0 non maintenance charges, pl share if you have any documents of JSFB

Already shared above

Please check, the document is already attached with NIL non mab

 

[SureShot]

Can someone confirm if we need to meet both the criterias to be eligible for taj vouchers or meeting either one will do?

 

[cc_dc_explorer]

I would recommend to hold the 3L balance till 2 months.

Can someone confirm if we need to meet both the criterias to be eligible for taj vouchers or meeting either one will do?

 

[pgarg24]

Can someone confirm if we need to meet both the criterias to be eligible for taj vouchers or meeting either one will do?

Both creteria are required. In creteria 2, we have to meet either spend on debit or internet banking as given. But need to maintain 3L for 2 months for sure. Also, its 2 months after opening the account.. ex: i opened on 3 aug but considering 2 months I have to keep in sept and oct(basically almost 3 months).

 

[Vickymaster1010]

How to apply for ipo via jana bank???

 

[beast_boy]

Quick Note: My BM was very helpful and agreed to reverse charges on Debit card every year(applicable for PREMIER acc only). If you’re in Bangalore and wants to open JFSB account DM me. I will share the details.


RSDC = RuPay Select Debit Card
IP = Initial Payment/Funding


I recently opened Jana Bank Premium account for RSDC. There is a post for opening account but it mention online account experience. Nowadays there are some issues with online acc opening. So with suggestion from Vasuki I opened offline only.

BTW Vasuki has detail post on Jana bank here… https://www.technofino.in/community/threads/jana-finance-bank-for-easiest-rupay-select-dc.25626/

View attachment 63287
Here is my offline experience…

• I Visited JANA bank and enquired about Jana products and offerings and benefits. I was trying to match with my research the previous day.
• Invited the BM to my home to open Metro Savings account. Gave time slot of 4 PM.
• BM arrived along with a person and started opening account. Meanwhile I asked them about Premier acc and charges. BM said the charges he can reverse on PREMIER account on the debit card as he have authority over that.
• I doubled confirmed with BM regarding the same and BM confirmed. BM said next year yearly charges of 590 will apply and after that BM can reverse it as BM has authority to reverse DC charges for PREMIER banking up to 1000/- each year.
• BM suggested if I do not want that then I can go with Exclusive acc where no charges are there. Additionally there is no MAB non-maintainanance charges on both PREMIER & EXCLUSIVE.
• So, I went ahead with PREMIER and gave IP of 1 L. At the moment my brain didn’t click to get EXCLUSIVE otherwise would have opted for exclusive.
• Signed few papers, along with one where it mention residence address form. Since I do not have same address on Aadhar as my current residence.
• 2 OTP’s for Adhar and KYC.
• Done with account opening in 10-15 mins.
• SEE ATTACHED FILES FOR DETAILED SOC.

Below is the timeline

25th July 2024: Researched Jana products.
26th July 2024 (Friday) : Visited JANA bank, invited BM. BM arrived and opened account.
27th July 2024 (Saturday): Non working day: Received CRN. Able to login into mobile banking with limited access.
28th : Non working day.
30th July 2024 (Tuesday) : My welcome kit arrived with Debit card. Pictures attached.

I would say pretty fast service.




HERE IS THE SUM UP OF JANA BANK...and suggestion

• If you want chargeable 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 maintenance of MAB)
• If you want NO charge RSDC (590 yearly but reversed by BM after charge is levied next year),
  • Then go for Premier (newly launched), Just get confirmation from your BM if they have option to reverse it or not. Generally BM will have option to reverse it.
  • 1 L IP check, withdraw after one month.
  • Family banking supported.
  • ( NIL charges for non-maintenance of MAB).
  • You can choose your acc no.
• If you have senior in your family get them Legend Savings acc,
  • 25k MAB ,
  • RSDC free LTF.
  • 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.
  • More features……

Here is my take...
Unfortunately My account is already opened as Premier otherwise I would have opted for Exclusive acc with 3L IP check. Since there is no MAB charges, you can withdraw after one month and still the account will be active.
Benefits: Choose your acc no + LTF RSDC + 10k Taj voucher + NO MAB non-maintanance charge( withdraw after one month) etc.....and many more.

I saw that Exclusive Account comes with AMB

Quick Note: My BM was very helpful and agreed to reverse charges on Debit card every year(applicable for PREMIER acc only). If you’re in Bangalore and wants to open JFSB account DM me. I will share the details.


RSDC = RuPay Select Debit Card
IP = Initial Payment/Funding


I recently opened Jana Bank Premium account for RSDC. There is a post for opening account but it mention online account experience. Nowadays there are some issues with online acc opening. So with suggestion from Vasuki I opened offline only.

BTW Vasuki has detail post on Jana bank here… https://www.technofino.in/community/threads/jana-finance-bank-for-easiest-rupay-select-dc.25626/

View attachment 63287
Here is my offline experience…

• I Visited JANA bank and enquired about Jana products and offerings and benefits. I was trying to match with my research the previous day.
• Invited the BM to my home to open Metro Savings account. Gave time slot of 4 PM.
• BM arrived along with a person and started opening account. Meanwhile I asked them about Premier acc and charges. BM said the charges he can reverse on PREMIER account on the debit card as he have authority over that.
• I doubled confirmed with BM regarding the same and BM confirmed. BM said next year yearly charges of 590 will apply and after that BM can reverse it as BM has authority to reverse DC charges for PREMIER banking up to 1000/- each year.
• BM suggested if I do not want that then I can go with Exclusive acc where no charges are there. Additionally there is no MAB non-maintainanance charges on both PREMIER & EXCLUSIVE.
• So, I went ahead with PREMIER and gave IP of 1 L. At the moment my brain didn’t click to get EXCLUSIVE otherwise would have opted for exclusive.
• Signed few papers, along with one where it mention residence address form. Since I do not have same address on Aadhar as my current residence.
• 2 OTP’s for Adhar and KYC.
• Done with account opening in 10-15 mins.
• SEE ATTACHED FILES FOR DETAILED SOC.

Below is the timeline

25th July 2024: Researched Jana products.
26th July 2024 (Friday) : Visited JANA bank, invited BM. BM arrived and opened account.
27th July 2024 (Saturday): Non working day: Received CRN. Able to login into mobile banking with limited access.
28th : Non working day.
30th July 2024 (Tuesday) : My welcome kit arrived with Debit card. Pictures attached.

I would say pretty fast service.




HERE IS THE SUM UP OF JANA BANK...and suggestion

• If you want chargeable 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 maintenance of MAB)
• If you want NO charge RSDC (590 yearly but reversed by BM after charge is levied next year),
  • Then go for Premier (newly launched), Just get confirmation from your BM if they have option to reverse it or not. Generally BM will have option to reverse it.
  • 1 L IP check, withdraw after one month.
  • Family banking supported.
  • ( NIL charges for non-maintenance of MAB).
  • You can choose your acc no.
• If you have senior in your family get them Legend Savings acc,
  • 25k MAB ,
  • RSDC free LTF.
  • 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.
  • More features……

Here is my take...
Unfortunately My account is already opened as Premier otherwise I would have opted for Exclusive acc with 3L IP check. Since there is no MAB charges, you can withdraw after one month and still the account will be active.
Benefits: Choose your acc no + LTF RSDC + 10k Taj voucher + NO MAB non-maintanance charge( withdraw after one month) etc.....and many more.

these SFB are sneaky , if you dont maintain AMB the charges are NIL but they will downgrade your account without informing you and levy DC or other charges applicable.

Had a bad experience with Equitas with their Elite account, those MF downgraded my account and then charged for DC Fees which they didn't revert even after escalating to their grievance cell. just piece of shitty peoples working there

 

[hellobois]

Worst bank so far. No reply since last 20 days. Raised request multiple times but they never approached me. Ultimately abused them on X and dropped this plan.

 

[iloveawm1]

Quick Note: My BM was very helpful and agreed to reverse charges on Debit card every year(applicable for PREMIER acc only). If you’re in Bangalore and wants to open JFSB account DM me. I will share the details.


RSDC = RuPay Select Debit Card
IP = Initial Payment/Funding


I recently opened Jana Bank Premium account for RSDC. There is a post for opening account but it mention online account experience. Nowadays there are some issues with online acc opening. So with suggestion from Vasuki I opened offline only.

BTW Vasuki has detail post on Jana bank here… https://www.technofino.in/community/threads/jana-finance-bank-for-easiest-rupay-select-dc.25626/

View attachment 63287
Here is my offline experience…

• I Visited JANA bank and enquired about Jana products and offerings and benefits. I was trying to match with my research the previous day.
• Invited the BM to my home to open Metro Savings account. Gave time slot of 4 PM.
• BM arrived along with a person and started opening account. Meanwhile I asked them about Premier acc and charges. BM said the charges he can reverse on PREMIER account on the debit card as he have authority over that.
• I doubled confirmed with BM regarding the same and BM confirmed. BM said next year yearly charges of 590 will apply and after that BM can reverse it as BM has authority to reverse DC charges for PREMIER banking up to 1000/- each year.
• BM suggested if I do not want that then I can go with Exclusive acc where no charges are there. Additionally there is no MAB non-maintainanance charges on both PREMIER & EXCLUSIVE.
• So, I went ahead with PREMIER and gave IP of 1 L. At the moment my brain didn’t click to get EXCLUSIVE otherwise would have opted for exclusive.
• Signed few papers, along with one where it mention residence address form. Since I do not have same address on Aadhar as my current residence.
• 2 OTP’s for Adhar and KYC.
• Done with account opening in 10-15 mins.
• SEE ATTACHED FILES FOR DETAILED SOC.

Below is the timeline

25th July 2024: Researched Jana products.
26th July 2024 (Friday) : Visited JANA bank, invited BM. BM arrived and opened account.
27th July 2024 (Saturday): Non working day: Received CRN. Able to login into mobile banking with limited access.
28th : Non working day.
30th July 2024 (Tuesday) : My welcome kit arrived with Debit card. Pictures attached.

I would say pretty fast service.




HERE IS THE SUM UP OF JANA BANK...and suggestion

• If you want chargeable 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 maintenance of MAB)
• If you want NO charge RSDC (590 yearly but reversed by BM after charge is levied next year),
  • Then go for Premier (newly launched), Just get confirmation from your BM if they have option to reverse it or not. Generally BM will have option to reverse it.
  • 1 L IP check, withdraw after one month.
  • Family banking supported.
  • ( NIL charges for non-maintenance of MAB).
  • You can choose your acc no.
• If you have senior in your family get them Legend Savings acc,
  • 25k MAB ,
  • RSDC free LTF.
  • 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.
  • More features……

Here is my take...
Unfortunately My account is already opened as Premier otherwise I would have opted for Exclusive acc with 3L IP check. Since there is no MAB charges, you can withdraw after one month and still the account will be active.
Benefits: Choose your acc no + LTF RSDC + 10k Taj voucher + NO MAB non-maintanance charge( withdraw after one month) etc.....and many more.

Can you please DM me your BM number?

 

[snike1792]

I think the eligibility criteria for the Taj voucher got updated. They removed the internet banking 2L criteria. Can anyone confirm whether they are seeing the same as me.

 

[pgarg24]

I think the eligibility criteria for the Taj voucher got updated. They removed the internet banking 2L criteria. Can anyone confirm whether they are seeing the same as me.

Yeah looks like they removed it.. same showing for me too.

Edit : did they add 20k spends from second month now? Or was it always there? Does anyone have old TnC doc? Do we now need to maintain 3L for 4 months now since they want 20k spends from 2nd month?