JANA SMALL FINANCE BANK

Industry Insight on Jana Small Finance Bank. Discuss about CASA, loan, Term Deposit.

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 Commences 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. 1 Lac 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. 25 Crores 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 I ndividual & Enterprise ) Eligibility Criteria Public Limited Company Private Limited Company Partnership Limited Company Sole Proprietorship Eligibility 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 I ndividual & 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 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.

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