Jana Small Finance Bank Savings Account

Last Updated : March 4, 2025, 4:15 p.m.

Jana Small Finance Bank is one of the pioneers of small banks in India. It started in 1999 and is now the fourth largest based on the size and the assets under management. As per a report in 2023, it had 771 branches and is catering for an approximate of 4.87 million active customers in the country. The main vision and mission of the bank is to connect people and places and they provide banking to rural and semi-urban areas. In this article, we will get to know more about the Jana Small Finance Bank savings account product it offers and what the features of the same are.

Jana Small Finance Bank Savings Account Interest Rates 2026

Below are the savings accounts interest rates for Jana Small Finance Bank.

Types of Jana Small Finance Bank Savings Account

Let's discuss more about the types of savings accounts provided by Jana Small Finance Bank.

Select Savings Account - This savings account provides an array of incentives to the account holders apart from competitive interest rates. A resident Indian or a senior citizen who is a resident of India is eligible to open this account. Some of the features are -

• Free debit card
• Unlimited cash transactions
• Unlimited online and branch transactions
• Free chequebook
• Average monthly balance of Rs. 2,00,000 for metro regions
• Average monthly balance non metro Rs. 1,00,000

Silver Savings Account - This savings account is designed specially for senior citizens who are residents of India. This account aims at simplifying the banking process.

• Average monthly balance - Metro – INR 1,50,000/ | Non Metro – INR 75,000/-
• Free select debit card
• Free chequebook
• Free unlimited ATM transactions
• Free online branch transactions
• Complimentary health check-ups

Savings Plus Account - This savings account provides a host of benefits. Any resident individual and senior citizens are eligible to open this account. Some of the features are -

• Average monthly balance - Metro – INR 50,000/- | Non Metro – INR 25,000/-
• Mobile banking available
• Rupay platinum debit card
• Domestic lounge access

Video KYC Account - This savings account can be opened from the comfort of your home. It is easily accessible and convenient. Any major resident is eligible to open this account.

• Anywhere banking
• No human contact

Salary Account - This is one of the top zero balance savings accounts offered by the bank. Some of the features are -

• Rupay platinum debit card
• Unlimited cash withdrawal
• Mobile banking app available

Jana Small Finance Bank Savings Account Benefits

Some of the benefits of Jana Small Finance Bank are -

• Mobile Banking available
• Easy and convenient account opening
• Free domestic lounge access
• Golf sessions
• Platinum debit card benefits
• Robust and transparent banking
• Unlimited cash withdrawal

Documents Required for Jana Small Finance Bank Savings Account

The documents required are -

• Identity Proof - PAN card, Aadhar card, passport, driving license
• Address Proof - Utility bills, passport, Ration card
• Recent photo
• Signature on a blank paper for video KYC account.

What is the Minimum Balance for Jana Small Finance Bank Savings Account?

Below are the average balances to be maintained per month.

Select Savings - Metro - ₹ 2,00,000 | Non - metro - ₹ 1,00,000

Silver Savings - Metro - ₹ 45,000 Plus | Non - metro - ₹ 20,000

V-KYC - Metro - ₹ 2,500 | Non-metro - ₹ 2,500

Regular Savings - Metro - ₹ 2,000 | Non - metrò - ₹ 2,000

Jana Small Finance Bank Savings Account Charges & Fee

Some of the charges related to Jana Small Finance Bank Account are -

AMB non maintenance charge - 6% of the shortfall or Rs. 600 whichever is lower

NEFT outward transaction at Branch - Up to ₹ 10,000 - ₹ 2.50

Above ₹ 10,000 to ₹ 1 Lakh - ₹ 5

Above ₹ 1 lakh to ₹ 2 lakhs - ₹ 15

Above ₹ 2 lakhs - ₹ 25

DD / POs - Up to 5,000 - ₹ 25

₹ 5,001 to ₹ 10,000 - ₹ 50;

Above ₹ 10,000 - ₹ 2 per

every ₹ 1,000 (Min ₹ 50)

NEFT outward transaction at Branch - Up to ₹ 10,000 - ₹ 2.50

Above ₹10,000 to ₹ 1Lakh - ₹ 5;

Above ₹ 1 lakh to ₹ 2 lakhs - ₹15

Above ₹ 2lakhs - ₹ 25

RTGS outward transaction at Branch - ₹ 2 lakhs to ₹ 5lakhs - ₹ 24.50;

Above ₹ 5 lakhs - ₹ 49.50

How to open a Savings Account in Jana Small Finance Bank?

• The video KYC account at Jana Small Finance Bank can be opened from the comfort of your home.
• You can also request a callback from the website after submitting the required data.
• You can alternatively opt to visit the nearest branch and open a savings account with Jana Small Finance Bank.