Jana Bank - Online Zero Balance A/c, UPI, RuPay...

Jana Bank - Online Zero Balance A/c, UPI, RuPay Platinum Card, airport lounge access etc

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Jana Bank - Online Zero Balance A/c, UPI, RuPay Platinum Card, airport lounge access etc

Jana Small Finance Bank – Online Open Zero Balance A/c, UPI, RuPay Platinum Card, airport lounge access etc -

DIGIGEN Savings Bank Account - https://www.janabank.com/savings-account/digige...

Apply Now - https://janadigi.com/onboarding/w...me

More Interest

4.5%* p.a on Savings Account
7.5%* p.a on Fixed Deposit
RuPay Debit Card with additional facilities*

Digital Account Advantages

Open an account instantly
Earn interest up to 4.5%* p.a on your Savings Account balance and 7.5%* p.a on Fixed Deposit
Zero Balance account
Anytime, anywhere fund transfer with NEFT/RTGS/IMPS
Debit card with unlimited transactions at Jana Bank ATMs and hosts of other RuPay card benefits.
FULL KYC verification done at your doorstep and enjoy unrestricted deposits
Fund your Digital Account initially with UPI payment gateway/Debit Card/Net Banking

Who is eligible for Digital Account?

18 years of age or above
Resident of India with a valid Indian address proof
New to bank prospects
Valid PAN and Aadhaar details
Prospect should not have opened any account using OTP based e-kyc in non-face-to-face mode with any other bank

How to apply?

Open a Digital Account in 3 easy steps:

Step 1. Enter your 10 digit Mobile number and email ID
Step 2. Provide your Aadhaar & PAN details and open your Digital Account
Step 3. Fund your Digital Account to enjoy the Banking Services

Full Bank account open process video available -

https://cdn0.desidime.com/attachments/photos/616168/medium/6656193RfUeVzB.jpg?1588971883

https://cdn0.desidime.com/attachments/photos/616169/medium/6656193y03yQRB.jpg?1588971887

RuPay Classic/RuPay Platinum Debit Card details - https://www.janabank.com/debit-cards/rupay-debi...

BRANCH LOCATOR - https://www.janabank.com/branch-lo...r/

RuPay Platinum Debit Card – 5% cashback on your utility bill payments capped at INR 50 per month, 20+ domestic lounges two times per calendar quarter per card.

24 Comments  |  
10 Dimers
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Deal Subedar
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Anyone opting for it?
What about other privileges like upi txn per month etc?
Do they charge for their DC?
And since it’s a small finance bank I’ll make sure that either I just have 0 or a very minimal amount.

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mrKool_JJ wrote:

Anyone opting for it?
What about other privileges like upi txn per month etc?
Do they charge for their DC?
And since it’s a small finance bank I’ll make sure that either I just have 0 or a very minimal amount.

Stay away from Small Finance Banks.

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_One_Miller_ wrote:

Stay away from Small Finance Banks.

How about maintaining them at 0 or very less balance.

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Ash-D wrote:

How about maintaining them at 0 or very less balance.

What’s benefit then?

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_One_Miller_ wrote:

Stay away from Small Finance Banks.

Paytm Payments bank soon get Small Finance Bank license within 2 or 3 years.

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mrKool_JJ wrote:

Anyone opting for it?
What about other privileges like upi txn per month etc?
Do they charge for their DC?
And since it’s a small finance bank I’ll make sure that either I just have 0 or a very minimal amount.

dnt knw about any hidden t&c

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Deal Subedar
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_One_Miller_ wrote:

What’s benefit then?

That’s what i told i don’t mind opening an another 0 balance account provided i am getting benefited.

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Deal Subedar
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abhishek012 wrote:

Paytm Payments bank soon get Small Finance Bank license within 2 or 3 years.

Bro but the situation nowadays is very bad so.
I already have kotak dbs for my unwanted txn’s so it doesn’t make any sense to open a new 0 balance act if they aren’t providing me anything extra.

Let me know everyone’s thought process as well. Tagging my friend here @_One_Miller_
Anyways KG @_One_Miller_

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Deal Subedar
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mrKool_JJ wrote:

Bro but the situation nowadays is very bad so.
I already have kotak dbs for my unwanted txn’s so it doesn’t make any sense to open a new 0 balance act if they aren’t providing me anything extra.

Let me know everyone’s thought process as well. Tagging my friend here @_One_Miller_
Anyways KG @_One_Miller_

Currently this is what i am thinking of o.O cry

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Deal Cadet
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Is utility offer extended? Can’t find it on Rupay’s website. I also asked this to you in PM some time back.

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mrKool_JJ wrote:

That’s what i told i don’t mind opening an another 0 balance account provided i am getting benefited.

What’s special benefit in this bank?

For getting better interest provided by small finance bank , we have to keep funds which is not safe now.
As you already mentioned you have Kotak 911 & DBS, why to open more ? It’s good that it’s 0 balance account, but what about SMS charges, Cheque book charge & DC charges ? Even if charges are Nil as of now, they will surely charge you in future.
For example – Paytm payments bank started charging SMS charge, increased DC annual charge and removed free Airport Lounge access.
So doing Analysis always helps in future. If you want to open account, choose HDFC/Axis/ICICI. Maintaining minimum 10000 is obviously worth the relationship with these banks.

CC :@Ash-D

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Entertainer
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_One_Miller_ wrote:

What’s special benefit in this bank?

For getting better interest provided by small finance bank , we have to keep funds which is not safe now.
As you already mentioned you have Kotak 911 & DBS, why to open more ? It’s good that it’s 0 balance account, but what about SMS charges, Cheque book charge & DC charges ? Even if charges are Nil as of now, they will surely charge you in future.
For example – Paytm payments bank started charging SMS charge, increased DC annual charge and removed free Airport Lounge access.
So doing Analysis always helps in future. If you want to open account, choose HDFC/Axis/ICICI. "Maintaining minimum 10000 is obviously worth the relationship with these banks*.

CC :@Ash-D

Yes rightly said u need to spend some money/keep money for good sex relationship

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P_A_N_K_A_J wrote:

Yes rightly said u need to spend some money/keep money for good sex relationship

Never seen in banks! Are you interested ?

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Entertainer
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_One_Miller_ wrote:

Never seen in banks! Are you interested ?

Kisi mahan admi ne kha he. agar koi kuch de rha ho apne tan man se to use dono hato se adarpurvak le leni lena chahiye
T:- stay home

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Deal Subedar
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_One_Miller_ wrote:

What’s special benefit in this bank?

For getting better interest provided by small finance bank , we have to keep funds which is not safe now.
As you already mentioned you have Kotak 911 & DBS, why to open more ? It’s good that it’s 0 balance account, but what about SMS charges, Cheque book charge & DC charges ? Even if charges are Nil as of now, they will surely charge you in future.
For example – Paytm payments bank started charging SMS charge, increased DC annual charge and removed free Airport Lounge access.
So doing Analysis always helps in future. If you want to open account, choose HDFC/Axis/ICICI. Maintaining minimum 10000 is obviously worth the relationship with these banks.

CC :@Ash-D

Exactly that’s what i wanted to say.
Thank god i don’t have paytm bank account lol toungueout

That’s how these firms operate. Lure customers with their offers and then back stab them cry

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mrKool_JJ wrote:

Exactly that’s what i wanted to say.
Thank god i don’t have paytm bank account lol toungueout

That’s how these firms operate. Lure customers with their offers and then back stab them cry

Kotak CC charges reversed ?

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Deal Newbie
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_One_Miller_ wrote:

What’s special benefit in this bank?

For getting better interest provided by small finance bank , we have to keep funds which is not safe now.
As you already mentioned you have Kotak 911 & DBS, why to open more ? It’s good that it’s 0 balance account, but what about SMS charges, Cheque book charge & DC charges ? Even if charges are Nil as of now, they will surely charge you in future.
For example – Paytm payments bank started charging SMS charge, increased DC annual charge and removed free Airport Lounge access.
So doing Analysis always helps in future. If you want to open account, choose HDFC/Axis/ICICI. Maintaining minimum 10000 is obviously worth the relationship with these banks.

CC :@Ash-D

Exactly bro.
Paisa Feko Tamasha Dekho.😂

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Deal Subedar
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_One_Miller_ wrote:

Kotak CC charges reversed ?

No bro Monday I’ll call that guy to check once again he told me to pay some 100 bucks or something coz the fees were 499 n rest were the interest n the gst they had charged me.

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mrKool_JJ wrote:

No bro Monday I’ll call that guy to check once again he told me to pay some 100 bucks or something coz the fees were 499 n rest were the interest n the gst they had charged me.

Pay total outstanding amount now. Kotak cc interest rate is very high.

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Deal Subedar
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_One_Miller_ wrote:

Pay total outstanding amount now. Kotak cc interest rate is very high.

Total outstanding is 622 rs now I can’t pay the whole amt mahn pensive sweat
Really no one is there to help me out of this shit weary

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Deal Cadet
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Jana means go away. Lol this one is already givin you hint.
It will take ur money n go away.
So stay away.

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Deal Subedar
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jambui wrote:

Jana means go away. Lol this one is already givin you hint.
It will take ur money n go away.
So stay away.

So eventually no one is opening an act in JANA haha toungueout

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Entertainer
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I have mulitple a/cs in 4 sfb; fincare, equitas, jana and utkarsh. have been a good journey so far. recently closed jana, utkarsh and equitas as wanted to invest in falling markets and while utkarsh seems to be bit unsafe now, equitas provides no premature penalty on fd withdrawal. as for health of these banks, they may suffer some pain due to latest developments but chances of them failing is next to impossible until there is some internal fraud. jana bank doesn’t had great balance sheet when started but eventually made good use of low rate offered by big banks and built stong deposit base and also reduced npas. but going forward deposits may see fall, rise in deposit withdrawal and npa may rise (will certainly rise), so betting large amount is not advisible. they charge 295 for debit card which i somehow made them reverse, since i redeemed all fd and had requested online to close account due to lockdown and got reply that paperwork can be done later and a/c is deemed to be closed yet was charged for sms and debit card, though balance was zero so account went minus. if one is looking for online a/c fincare is better in compare to jana though au or ujjivan, being listed are safest the moment. lastly don’t just open a/c for heck of opening it as charges levied are much more than what paypal or amazon cashback could provide, in long run.

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Deal Subedar
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marketdimer wrote:

I have mulitple a/cs in 4 sfb; fincare, equitas, jana and utkarsh. have been a good journey so far. recently closed jana, utkarsh and equitas as wanted to invest in falling markets and while utkarsh seems to be bit unsafe now, equitas provides no premature penalty on fd withdrawal. as for health of these banks, they may suffer some pain due to latest developments but chances of them failing is next to impossible until there is some internal fraud. jana bank doesn’t had great balance sheet when started but eventually made good use of low rate offered by big banks and built stong deposit base and also reduced npas. but going forward deposits may see fall, rise in deposit withdrawal and npa may rise (will certainly rise), so betting large amount is not advisible. they charge 295 for debit card which i somehow made them reverse, since i redeemed all fd and had requested online to close account due to lockdown and got reply that paperwork can be done later and a/c is deemed to be closed yet was charged for sms and debit card, though balance was zero so account went minus. if one is looking for online a/c fincare is better in compare to jana though au or ujjivan, being listed are safest the moment. lastly don’t just open a/c for heck of opening it as charges levied are much more than what paypal or amazon cashback could provide, in long run.

As per you which small finance bank is best & with least amount of charges? Read that Equitas gives Virtual Debit Card, so there should be no charges in it but they ask for registered aadhar mobile number using which I dont want to create account.
I want to open 1 account using my 2nd number. So, which one would you suggest?

Missing