What is the official website of the payment service?
https://www.janabank.com
https://www.janabank.com
Customer support contacts are listed on the Jana Small Finance Bank website’s “Contact Us” page.
1800-2080
Yes, the main support number 1800-2080 is toll-free for customers in India.
The bank typically provides dedicated addresses for customer care, corporate queries, grievance redressal, and NRI services.
Online chat support is accessible via the official website home page or “Contact Us” section if available.
Most banking chat support operates weekdays during business hours, but some banks offer 24/7 automated chatbots.
Many banks in India offer WhatsApp banking; Jana Bank provides WhatsApp services using +91 81283 81283.
Standard customer service hours are weekdays 9:00AM to 6:00PM; some phone banking operates 24/7.
Phone banking and chatbots usually function daily but live representative availability may be limited on holidays and weekends.
Most banks maintain branches and regional offices throughout major cities and towns for in-person service.
Jana Small Finance Bank’s head office is at The Millenia, Tower A, 1&2 Murphy Road, Ulsoor, Bangalore, Karnataka 560008, India.
Personal meetings at branches can typically be scheduled by contacting a branch or through the bank’s customer support.
Jana Small Finance Bank operates primarily within India and does not have international representative offices.
Support is offered in English, Hindi, and major regional Indian languages.
Response times vary by channel; phone is usually immediate, email replies may take 1-3 business days.
Banks may offer priority or relationship manager services for high-net-worth or VIP clients.
Customers can request callbacks through branch staff or by submitting online forms on the official site.
Jana Small Finance Bank was founded in 2018.
The bank was promoted by Jana Capital Ltd., with key financial sector investors; details are on the website.
The company is registered in India.
The bank was originally Janalakshmi Financial Services before converting to Jana Small Finance Bank, launching banking operations in 2018.
Janalakshmi was rebranded as Jana Small Finance Bank in 2018 as it transitioned to providing full banking services.
Board members include CEO Ajay Kanwal and other directors listed on the "Leadership" page of the website.
The bank is backed by international and domestic investors, including private equity and impact fund partners.
Jana Small Finance Bank is not listed on public stock exchanges as of August 2025.
Market capitalization is not available as the company is not publicly traded.
Jana Small Finance Bank operates branches across India; international subsidiaries are not listed.
Licensed by Reserve Bank of India (RBI) as a Small Finance Bank.
The service operates in India; banking operations are conducted across various states and cities.
No licenses for cryptocurrency services have been reported for Jana Small Finance Bank.
Yes, the bank is mandated to comply with RBI AML/KYC regulations for all customers.
Most banks meet PCI DSS, ISO 27001, and RBI cyber security guidelines for payments and card processing.
Banks in India conduct regular security audits per RBI requirements, including IT and cyber security certifications.
Deposits are insured up to ₹500,000 per customer under DICGC insurance standard in India.
Compliance with RBI, AML, KYC, PCI DSS, ISO 27001, and other banking and cyber standards.
No major regulatory fines or violations have been reported publicly for Jana Small Finance Bank.
Reviews can be found on Google, Facebook, Trustpilot, and Indian financial forums.
Common complaints in banking include delays in credit/withdrawal, app glitches, customer service wait times, and branch service issues.
Users often praise friendly staff, accessibility, and the range of retail banking products.
Occasional reports mention delays or technical glitches, but these are not widespread and are usually resolved quickly.
Users report the interface as modern and functional but some suggest improvements for speed and intuitiveness.
Transaction speed is rated satisfactory, with electronic and UPI transfers typically instant.
Most users recommend the service for personal banking needs, with positive feedback on digital offerings.
Experts consider Jana Small Finance Bank reliable, citing adherence to RBI guidelines and secure digital banking.
The bank has received awards for financial inclusion, technology, and customer service excellence.
Jana Small Finance Bank appears in various small finance and retail banking rankings in India.
RBI recognizes licensed small finance banks for their role in expanding basic financial services.
Jana enjoys a reputation for collaboration and reliability among payment processors and corporate partners.
The service is recognized for innovation in last-mile banking, financial inclusion, and use of digital banking technologies.
Banks in India typically maintain ISO 9001, ISO 27001, and relevant quality/security standards.
Bank executives regularly participate in Indian banking, fintech, and industry events.
It focuses on financial inclusion, retail banking, and reliable digital banking for underserved and mainstream clients.
Primarily supports Indian Rupees (INR) for all products and services.
Jana Small Finance Bank does not support cryptocurrency transactions or wallets.
No proprietary cryptocurrency or token is available.
Currency conversion is not provided; the service operates only in INR.
As no currency conversion is offered, exchange rates do not apply.
Not applicable since only INR transactions are supported.
Stablecoins are not supported.
The bank does not handle exotic or foreign currencies.
As services are limited to India and INR, restrictions based on geography do not apply.
The bank supports NEFT, RTGS, IMPS, UPI, and internal transfers for payments and remittances.
Yes, transfers can be made between account holders via IMPS, NEFT, RTGS, and UPI.
Indian banks generally support transfers to debit cards via IMPS, UPI, and card-linked account transactions.
Yes, money can be transferred to other bank accounts using IMPS, NEFT, RTGS, and UPI.
Bill payment for utilities, telecom, insurance, and more is supported online and via mobile banking.
Recurring payments can be set up using standing instructions, ECS, NACH, or scheduled transfers.
Automatic transfer is available via standing instructions or recurring payment mandates in banking services.
Payment scheduling is offered via internet and mobile banking platforms for future-dated transactions.
Group payment or bill splitting is offered through UPI or select banking applications.
Payment link creation may be available through UPI or third-party merchant tools, if enabled.
Minimum transaction limits are usually ₹1 for online transactions; specifics may vary by product.
RTGS minimum ₹2,00,000; UPI/IMPS up to ₹2,00,000 per transaction; NEFT limits may vary.
Daily limits apply; UPI up to ₹2,00,000, IMPS up to ₹2,00,000, fees may apply to high-value transactions.
Transaction limits vary based on account type, regulatory caps, and KYC level; subject to RBI guidelines.
Limits may increase via higher account tier, enhanced KYC, or written request to the bank.
Verified accounts enjoy higher transaction and funding limits than basic/unverified accounts.
New accounts may have lower transaction limits and require full KYC for higher operations.
Jana’s services are India-only, so limits do not vary by country.
Accounts can be temporarily blocked for security, suspicious activity, or user request.
Limits on transaction count per day may apply per RBI/banking product standards.
Minimum deposit is usually ₹1 for savings accounts; higher thresholds for fixed/recurring deposits.
Deposits via cash, cheque, NEFT, IMPS, RTGS, UPI, mobile banking, and third-party apps are generally available.
Most standard funding modes are free; cash deposits may carry service charges above certain limits.
Minimum funding for each channel is usually ₹1 or as per product terms.
Electronic transfers are credited instantly or within 1 business day; cheques and cash may take longer.
Withdrawals via ATM, branch cash withdrawal, NEFT/IMPS/RTGS transfer, cheque, or card.
ATM and branch withdrawals may incur transaction fees above free limits; online transfers are often free.
ATM and cash withdrawals are instant; online transfers usually process within 1 business day.
ATM withdrawal limit is typically ₹25,000–₹50,000 per day; higher through branch or electronic transfer.
Card-linked funding is instant or within a few minutes for online banking.
NEFT is completed within 2 hours, RTGS is real-time, IMPS and UPI are instant.
Cryptocurrency transactions are not supported.
IMPS and UPI transfers between account holders are instant.
Electronic methods like IMPS, UPI work 24/7, but some banking channels observe delays on non-business days.
Funding via NEFT and branch deposits may be delayed on bank holidays, but IMPS/UPI are unaffected.
Standard banking does not offer paid expedited crediting services.
Processing speed depends on method, bank working hours, network uptime, and regulatory cut-off times.
SMS and push notifications are sent for transactions and account funding status.
Contact customer support, visit a branch, or use online complaints; submit proof of transaction for resolution.
Digital requests (UPI, IMPS) are processed instantly; cheque or branch withdrawals take longer.
ATM withdrawals are immediate, branch card withdrawal is processed within minutes.
NEFT within 2 hours, RTGS real-time, IMPS and UPI instant; subject to banking hours.
Cryptocurrency withdrawals are not applicable as the service does not support crypto.
Electronic withdrawal methods like UPI/IMPS are available 24/7; branch withdrawals are unavailable on holidays.
Withdrawals via branch or NEFT may be delayed during public holidays; UPI/IMPS operate continuously.
Indian banks do not typically offer paid expedited processing for withdrawals.
Time depends on withdrawal method, service uptime, cut-off, bank and network status.
SMS and app notifications inform users of status and completion of withdrawal transactions.
Pending withdrawal requests can be canceled before processing via app, website, or by contacting the bank.
Register by visiting a branch, applying online, or downloading the mobile app; identity documents required.
Required: Name, address, mobile number, PAN card, Aadhaar card, photo, and proof of address.
Registration may be possible with mobile number and documents; email is not always mandatory but may be requested.
Phone confirmation via OTP is standard for secure registration and verification.
Minimum age for account opening is 18 years for individual accounts; minors allowed for joint accounts.
Corporate accounts can be created by submitting business documents, proof of authorization, and KYC at branches.
Yes, it is mandatory to provide genuine personal and identification data per KYC guidelines.
Only Indian residents are eligible to open accounts; NRI services may require special documentation.
Activation is typically completed within 1–3 business days after verification.
Verification tiers include basic KYC, full KYC, and additional verification for higher limits or business accounts.
Basic verification typically requires PAN card, Aadhaar card, address proof, and photograph.
Full verification may require additional ID, income proof, or business certificates for higher limits.
Most banks accept scanned or digital copies for online account opening, subject to verification.
Verification usually takes 1–3 days but may be longer if additional documents are required.
Certain limited services may be available pre-verification; most functions require KYC completion.
Unverified users have restricted limits on operations, transfers, and account features.
Address confirmation is required for full account activation; proof must be submitted.
Some banks request a selfie with documents for remote verification; specifics depend on channel.
Documents update is required when expired, for major changes, or periodically per RBI mandates.
Indian banks use SSL/TLS, AES encryption, and PCI DSS standards for transaction security.
Two-factor authentication is supported for login and critical transactions.
SMS confirmation is used for OTPs, transaction alerts, and important operations.
Biometric login via fingerprint or face recognition is supported on compatible devices and mobile app.
Blockchain is not currently used in Jana Small Finance Bank’s core systems.
Multi-level security includes encryption, 2FA, access controls, anti-fraud, and monitoring systems.
Data is encrypted, access-controlled, and secured as per Indian data protection laws and RBI standards.
Cryptocurrency cold storage is not applicable due to lack of support for crypto.
Indian banks employ anti-DDoS solutions and network monitoring for cyber-attack prevention.
Security audits are conducted annually and as directed by RBI, ensuring IT and data security compliance.
Standard anti-phishing tools include secure login, email alerts, education, and monitoring.
Banks use monitoring software and AI tools to detect suspicious/fraudulent activity in real time.
Systems monitor transactions, validate KYC data, and file STRs as required by AML regulations.
Accounts involved in suspicious activities may be frozen or investigated as per bank and regulatory policies.
Immediately notify customer care, block account/cards, file complaint, and cooperate with investigation.
Suspicious activity can be reported via phone, branch, website, email, or mobile app help section.
Compensation for unauthorized transactions may be given after investigation, as per regulatory guidelines.
Users can raise disputes via customer care; banks process as per regulations and provide chargeback where eligible.
Account blocking disputes can be raised via branch or support channels for investigation and review.
Some banks procure insurance against cyber-attacks; coverage depends on specific bank policy.
NEFT/RTGS/IMPS fees may apply; UPI is generally free; charges depend on transfer channel and amount.
Account funding by NEFT/IMPS/UPI is usually free; certain cash deposit or cheque transactions may incur fees.
ATM withdrawals above free limits and out-of-network transactions may incur fees; branch withdrawals are typically free.
No currency conversion offered, hence no fees.
Account inactivity fees are rare; some dormant accounts may incur minimal fees as per policy.
Maintenance fees depend on account type; salary/savings often have no fee, while premium accounts do.
Transaction cancellation fees may apply for select transfer channels; most cancellations are free if not processed.
All fees are disclosed in the bank’s tariff guide and terms on the official website.
Large transaction fees follow bank tariff rules; high-value NEFT/RTGS have higher slab fees.
Various savings, salary, current, business and fixed deposit tariff plans are offered.
VIPs may get personal banker, higher limits, dedicated support, priority service, and lower fee structures.
Preferential terms are granted based on account balance, activity level, and at bank’s discretion.
Savings accounts usually provide a set number of free ATM and online transfers each month.
Regular users may receive fee waivers or discounts based on account history and relationship.
Corporate and business accounts have specialized tariffs, account packages, and service charges.
Custom terms may be negotiated for business, VIP, or bulk transaction clients.
Banks may issue promotional offers or codes for reduced fees or bonus rewards.
Cashback offers on debit card transactions and select bill payments are commonly available.
Volume-based discounts are offered for merchants and bulk payers.
An official mobile app is available as “Jana Small Finance Bank” or similar on app stores.
The app is available for Android and iOS platforms.
Mobile app supports account balance, fund transfer, bill payments, deposits, statements, UPI payments, and more.
Some advanced banking features may be web-exclusive; most common banking tasks are supported in the app.
Touch ID/Face ID are supported for device-enabled logins in the mobile app.
Basic features (transaction history) may be available offline; transactions require internet connectivity.
Push notifications for transactions, account activity, and alerts are supported.
Modern banking apps typically support a dark mode option.
Updates are released every few weeks/months for security and feature enhancements.
Selected users may be invited to beta test major updates in the app.
The web interface is modern and easy to use, supporting key banking activities.
Jana Small Finance Bank’s website is mobile-responsive and adjusts to all screen sizes.
Interfaces are offered in English, Hindi, and major Indian regional languages.
Many modern bank websites now include dark/night mode options.
Keyboard shortcuts are not commonly supported; some features may allow basic navigation shortcuts.
Account statements, transaction history, and reports can be exported in PDF or Excel format.
Open APIs are available for UPI and select payment integration as per Indian payments standards.
Integration with UPI, billers, and accounting applications is available for business clients.
Updates occur regularly, several times per year, for security and feature improvements.
Virtual debit cards may be issued for online transactions; check availability with the bank.
Disposable or temporary cards may be offered for secure, one-time online payments.
No multi-currency accounts; services are INR-only.
Fixed deposits, recurring deposits, and personal loans are offered; mutual funds/investments may be limited.
Savings account balances earn interest, credited quarterly as per prevailing rates.
The bank offers personal, business, home, and vehicle loans plus credit cards.
Peer-to-peer trading features for stocks or crypto are not supported.
Cryptocurrency buying/selling is not permitted.
Business acquiring, merchant POS, and payment gateway solutions are available.
Mass payout solutions are supported for business payroll and bulk payments.
Some banking products include loyalty points, card-linked rewards, and merchant offers.
Points are earned through eligible transactions, card spend, and promotional offers.
Cashback is offered on card payments, billers, select digital transactions, as per campaigns.
Referral programs reward users for opening new accounts through recommendations.
VIPs get priority service, higher limits, personal banker support, and exclusive product offers.
Jana Small Finance Bank runs seasonal campaigns and special promotions for key holidays.
Premium status is earned through account balance, relationship duration, or invitation.
Partner merchants may offer special discounts for bank clients on select services.
Business clients can access loyalty schemes for payroll, payments, and bulk transactions.
Indian banks are subject to regulatory restrictions for direct casino payments; services are limited for such transactions.
Banks monitor and may restrict transfers to online gambling, casinos, gaming sites per RBI rules.
Accounts with suspicious or gambling-related activity may be frozen or blocked for compliance reasons.
Gambling transactions are generally discouraged; banks follow strict compliance in accordance with Indian law.
Banks do not provide preferential terms for gambling transactions.
Transactions to casinos/gambling sites are monitored per AML and compliance standards.
Transactions with gambling sites are visible on statements and subject to reporting laws.
Some banks may notify large or repeat gambling expenditures via alerts.
No additional fees are charged, but gambling transactions may be refused or blocked.
Limits can be set on transactions; user-controlled restrictions may be available through app requests.
Self-exclusion options for gambling are generally not standard but may be implemented via request.
Banks may block payment to known gaming/gambling sites as required by regulatory policy.
Expense management may help monitor spend but gambling control tools depend on user request.
Banks provide alerts when transaction or spending limits are reached.
Banks may block transactions identified as payments to casino/gaming merchants.
Expense statistics and analysis are available in app or statements, but specifically for gambling is not standard.
A formal cooling-off period for gambling is not typically standard but may be initiated via self-exclusion request.
Bank staff may refer to support organizations and helplines for gambling addiction.
Partnerships with player support organizations are rare but information/referral resources may be provided.
Users can set up spend alerts via mobile app or online banking notification settings.
Indian banks do not promote or list casino merchants; direct usage depends on merchant acceptance and regulatory policy.
No exclusive casino partnerships are listed.
Casino-specific conditions are not promoted or endorsed by Indian banks.
Bonuses for casino payments are not supported by mainstream Indian banks.
Acceptance at casinos is restricted; deposits/withdrawals may be declined or blocked.
Gambling payments are restricted in accordance with Indian laws and regulators.
Casino operators must comply with local and international payments rules, subject to rejection by Indian banks.
Transactions may be delayed or rejected; gambling payments are not prioritized.
Casinos may charge fees for some methods, but Indian banks do not provide official support.
Indian banks may block transactions to major casino platforms as per regulatory guidelines.