The Janta Bachat Khata at The Citizens Urban Co-operative Bank Ltd., Jalandhar is designed to promote financial inclusion, helping every citizen develop a savings habit with zero barriers.
✅ Zero balance account – No minimum balance required
✅ No folio charges
✅ LPG subsidy credit facility based on Aadhaar linkage
✅ Under RBI’s liberalised KYC policy, this account can be opened by those unable to produce standard KYC documents, ensuring access to banking for all.
✅ A maximum credit balance of ₹50,000/- can be maintained, and annual credits up to ₹1,00,000/- are permitted under this facility.
✅ Individuals aged 18 years and above
✅ Guardians on behalf of minors
📌 Identity proof: Voter ID, PAN Card, Passport, Aadhaar Card, Employee ID, etc.
📌 Address proof: Passport, Voter ID, other bank passbook, ration card, employer-issued ID, recent electricity/BSNL phone bill, etc.
📌 Two recent passport-size photographs
💰 Zero Balance Account
The Janta Bachat Khata empowers individuals from all walks of life to start saving without any financial pressure while accessing modern banking facilities.
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