- Jana Small Finance Bank was established in 2017 as a small finance bank after receiving an RBI license. It traces its origins to 1999 when it launched as Sanghamitra Urban Programme, later renamed Janalakshmi. - It provides various savings accounts, fixed deposits, loans, and current accounts for individuals and businesses. Product offerings include regular savings accounts, savings plus accounts, fixed deposits, individual and group loans, business loans, and premium and regular current accounts.

1. Akash kumar Saha
Rohan Shasmal
Sweta Singh
Anil Khilar
Presented By-

2. India’s 1st
Micro-finance
foray initiated
with
Sanghamitra
Urban
Programmed
(SUP).
Distributed
its 1st
group loan
in
Bangalore
1999
2002
2000
Sanghamitra
Urban
Programme
(SUP)
renamed
Janalakshmi
Reached
1crore in
loan
distribution
With in 18
months
2006
Janalakshmi
Financial
Services
(JFS)
customer
base crosses
1 lakh
2009
RBI grants Small
Finance Bank
License and
became Jana
Small
Finance
Bank.
2017
Jana
Small
Finance
Bank
Commence
s operation
2018
History of Jana Bank

3. Design: The lines are an expression of each
individual’s journey to find meaning and relevance in his
or her life. The connections recognise the labyrinth of
associations in our life and relate to place. The lower arm
of the ‘J’ in the logo represents people, the upper arm of
the ‘J’ represents place, and the lines of the ‘J’ represent
both journeys as well as connections.
Colour Scheme: ‘Fuchsia’ is the colour of prosperity,
abundance and empowerment. It is also a non-conformist colour
representing the innovative nature of the bank as well as the group
at large. ‘Turmeric’ is the colour of knowledge, sanctity and
auspiciousness. It stands for a continuous quest for solving new
problems and learning new ways of serving customers.
Logo & Key People
Ramesh Ramanathan
Non-Executive Chairman
Ajay Kanwal
MD & CEO
Vijayalatha Reddy
Independent Director
R. Ramaseshan
Independent Director
Board of Directors
R. Gandhi
Vikram Gandhi
Independent
Director
Independent
Director

4. FEATURES BENEFITS
Rate of Interest • 5-8 % **
Average Monthly Balance • INR 2,500
RuPay Debit Card • Unlimited withdrawals from any Jana Small
Finance Bank ATMs across India
Mobile Banking App • Mobile Banking App to perform Fund Transfers
comfortably
eKYC Enabled Account Opening • Open an account in minutes using our
completely digitized process
Key Benefits
Regular Savings Account
Eligibility Criteria
Applicants must be Resident Indians to be eligible to apply for Regular Savings Account of the following types:
•Individual (sole or joint account)
•Senior Citizen

5. Savings Plus Account
FEATURES BENEFITS
Rate of Interest • Attractive interest rates **
Average Monthly Balance • INR 5,000
RuPay Platinum Cricket Debit Card
(An exclusive card with great offers and your
favorite cricketers’ image on it)
• Jana Bankable Debit Card
• Unlimited withdrawals from any Jana Small Finance Bank ATMs across
India
• Up to 10 Free Transactions per month at other Bank ATMs
Mobile Banking App • Mobile Banking App to perform Fund Transfers comfortably
Expense Management
• Module available in Mobile Banking App to manage your finances
efficiently
Statement of account
• Monthly E-statement will be sent to customers
• Physical Statement will be sent to customers every 6 months
Cheque Book • Zero Issuance Charge on cheque books
*Doorstep banking
* At select locations and discretion of bank
• Door step services for cash pick up, cash delivery or cheque/instrument
pick up
Product features and benefits:
Eligibility Criteria
For all individuals above the age of 18.

6. Sr. No. Savings Account Balance
Interest Rate
Per Annum
Illustration
1 Up to Rs. 1Lac 5% 5 % will be paid on balances up to Rs. 1 Lac
2
More than Rs. 1 Lac up to Rs.
10 Lacs
6%
6 % will be paid on incremental balances above
Rs. 1 Lac & up to Rs. 10 Lacs
3
More than Rs. 10 Lacs up to Rs.
5 Crores
7%
7 % will be paid on incremental balances above
Rs. 10 Lacs & up to Rs. 5 Crores
4
More than Rs. 5 Crores up to Rs.
25 Crores
7.5%
7.5 % will be paid on incremental balances above
Rs. 5 Crores & up to Rs. 25 Crores
5 More than Rs. 25Crores 8%
8 % will be paid on incremental balances above
Rs. 25 Crores
Proof of Identity Proof of Address
• PAN Card
• Aadhaar Card
• Voter’s ID Card
• Passport
• Driving License
• Aadhaar Card
• Passport
• Utility bills (not more than 3 months old)
• Any other gov. approved ID
SB account Interest Rate and KYC

7. FEATURES BENEFITS
Average Quarterly Balance • INR 5,000
Sweep Facility
• Now you can earn high interest
on your idle funds in Current
Account with Jana Small
Finance Bank
• Threshold amount to be INR
25,000
• Amount multiple for sweep out
is INR 5,000
Deposit Limit at Branches • INR 1,00,000 per month
Cash Withdrawal Limit at Branches
• Unlimited cash withdrawal with
no cap on amount and number
of transactions
Debit Card (For Individuals and
Proprietorships only)
• Rupay Platinum Debit Card
with high ATM Withdrawal and
POS Limit
FEATURES BENEFITS
Average Quarterly Balance • INR 5,000
Unlimited Cash Withdrawals
• Unlimited cash
withdrawal with no cap
on amount and number
of transactions
Flexi FD
• Flexi FD will be created
with auto sweep in &
sweep out facility, to help
you earn higher interest
rate on your idle money
as per FD card rate
Regular Current Account (for Individual & Enterprise)
Eligibility Criteria
•Public Limited Company
•Private Limited Company
•Partnership Limited Company
•Sole ProprietorshipEligibility Criteria
Individuals
Sole Proprietorship
Partnership Firms
Registered Companies
Trusts
Registered Societies and Associations

8. FEATURES BENEFITS
Average Quarterly Balance • Rs.30,000/-
Sweep Facility
• Earn higher rate of interest
on your idle funds in
Current Account with Jana
Small Finance Bank
• Threshold amount Rs.
50,000/-
• Amount multiple for sweep
Rs.5,000/-
Cash Deposit Limit at
Branches
•No charge upto
Rs.10,00,000 per month
Cash Withdrawal Limit at
Branches
•Unlimited cash withdrawal
with no cap on amount and
number of transactions
Debit Card (For Individuals
and Proprietorships only)
•Rupay Platinum Debit Card
loaded with features
Premium Current Account (for Individual & Enterprise)
Eligibility Criteria
•Sole Proprietorship
•Partnership Firms
•Registered Companies
•Trusts
•Registered Societies and Associations
Both new and existing customers of Jana
Small Finance Bank can open a Premium
Current Account.

9. Fixed Deposit :
Jana Small Finance Bank offers 3 types of Fixed Deposits--
 Regular Fixed Deposit
 Senior Citizen Fixed Deposit
 Fixed Deposit of 2 Crore & Above
Tenure
FD Interest Rate (% P.A)
Regular
FD
Senior
Citizen
FD
FD Of 2 cr
& Above
7 days to 45 days 6 6.5 6
46 days to 60 days 6.5 7.1 6.5
61 days to 180 days 7 7.6 7.32
181 days to 365 days 8.5 9.1 9.04
More than 1 year to 2 years 8.5 9.1 9.74
More than 2 year to less
than 3 years
8.5 9.1 10.2
3 years 9 9.6 10.52
More than 3 years to 5
years
8.5 9.1 10.46
More than 5 years to 10
years
7 7.6 10.03
Features :
 Best-In-Class interest rate of 9% P.A
 Deposit amount as low as Rs. 1000
 Freedom to choose interest payout option
 Transact conveniently through Mobile App
 Premature withdrawal allowed (Penalty Applicable)
Eligibility Criteria :
 Both new and existing customers of Jana Small Finance
Bank can open a Fixed Deposit.
 Following are the types of customers who can open fixed
deposit accounts: Individuals, Minors, Proprietorship, HUF,
Registered and Unregistered Bodies, Cooperative
Societies, Trusts, Partnerships, NGO and, Private
Organisations.
 Resident Individuals in the age of 60 years or above for
Senior Citizen FD account.

10. Jana Small Finance Bank values your dreams, and business ambitions. To help you fulfil them, we bring
you a variety of loans at attractive interest rates, and also make it easy for you to avail them. You can
choose the one that best fits your need, and suits your convenience.
Features :
 Minimum Documentation
 Doorstep Banking Service
 Security Of Group Guarantee
 No Collaterals Required
 Loan Disbursement in Account
Individual
Group loan for women
Business Loan for Individuals
Home Improvement Loan
Agri Individual Loan
Agri Group Loan
Gold Loan
Enterprise
Business Loan for Entity
Secured Business Loan
Secured plus Business Loan
Types of Loan
Loans

11. Required Documents :
 Primary ID: Aadhaar
 Secondary ID: PAN card / Form 60
 In case of non-availability of PAN card, customer needs to submit Form 60 along with the one of the
following OVDs (Officially Valid Documents)
• Passport
• Voter ID card
• Driving license
• NREGA (National Rural Employment Guarantee Act)
• Letter issued by National Population Register containing details of name and address
 Residence Proof:
• Any of the valid KYC documents
• Utility bill (not more than 60 days old)
Loan Details for Individual
Group
Loan
Business Loan For
Individual
Gold
Loan
Home Improvement
Loan
Agri Group
Loan
Agri Individual
Loan
Loan Amount (Rs.)
Minimum 15,000 50,000 5,000 60,000 25,000 60,000
Maximum 50,000 1,00,000 50,000 1,20,000 65,000 1,50,000
Loan Tenure
(Months)
Minimum Nil Nil Nil Nil 12 12
Maximum 24 Nil Nil Nil 24 36
Age of applicant (Years) 18-54 18-60 18-60 18-60 18-60 18-60
Interest Rate (% P.A) 24-26 25-26 11-12 23-24 24-26 24-26
Loan for Individual

12. FEATURES BENEFITS
Loan Amount
•INR 1 lakh – INR 3 lakhs
(without collateral security)
•INR 3 lakhs – INR 10 lakhs
(with collateral security)
Tenure
•Up to 36 months (Unsecured)
•12 to 60 months (Secured)
Current Account •Zero Balance Current Account
Insurance Facility
•Avail Credit Life Insurance for
applicant and co-applicant
Attractive Interest Rates
•Get a business loan at highly
competitive interest rates of
24% p.a.
Doorstep Banking facility
•Onboarding of customer
•Doorstep daily collection
Eligibility Criteria
• Existing customers of Jana Small Finance Bank
• Customers new to Jana Small Finance Bank with
an existing business venture having minimum 3
years vintage
Required Documents
• Mandatory documents: Aadhar & PAN card
• Other documents: Business Entity proof,
Business address proof, Signature proof &
other documents as per the policy of the bank
Business Loan for Entity

13. Secured Plus Business Loan
FEATURES BENEFITS OF TERM LOAN
Loan Amount
•Minimum amount is INR 10 lakhs
•Maximum amount is INR 100 lakhs
Loan Tenure •Upto 12 years
Security
•Collateral security in the form of land -
residential / commercial building or any other
as per bank’s policy
Current Account
•Zero Balance Current Bank Account with
Mobile Banking
Insurance Facility
•Avail Credit Life Insurance for applicant and
co-applicant
Doorstep Banking
Services
Doorstep Service at every stage:
•Onboarding
•Servicing
•Collection by NACH (National Automated
Clearing House)
Rate of Interest •Attractive interest rates from 13% - 17% p.a.
Eligibility Criteria
• Existing or new customers of Jana Small
Finance Bank
• Successfully running a business from the
same physical premise for minimum 3 years
• Owning any ONE of the following:
Residence/ Shop / Factory
Required Documents
• Mandatory documents: Aadhaar Card and
PAN Card for Promoters/ Directors/ Partners
• Other documents: Business address proof,
Business establishment proof, Business
continuity proof, Constitution proof & other
documents as per the policy of the bank.

14. THANK
YOU