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    • Home
    • About Us
    • Deposits
      • Savings Bank
      • Janta Bachat Khata
      • Daily Deposit Scheme
      • Current Account
      • Term Deposit Cumulative
      • Term Deposit Simple
      • Term Deposit Monthly
      • Term Deposit Quarterly
      • Recurring Deposit
      • Unclaimed Deposits
    • Loans & Advances
      • Vehicle Loan
      • Personal Loan -Employees
      • Housing Loan
      • Finance for Agriculture
      • Small Scale Industries
      • Kisan Credit Card (KCC)
      • Gold Loan
      • Education Loan
      • Loan / Limit & Others
      • Loan / Limit Against Prop
      • Prop Pos Undr Sarfesi Act
    • Interest Rates
    • Service Charges
    • Insurance
    • Reports & Forms
    • Branches
    • Contact Us
  • Home
  • About Us
  • Deposits
    • Savings Bank
    • Janta Bachat Khata
    • Daily Deposit Scheme
    • Current Account
    • Term Deposit Cumulative
    • Term Deposit Simple
    • Term Deposit Monthly
    • Term Deposit Quarterly
    • Recurring Deposit
    • Unclaimed Deposits
  • Loans & Advances
    • Vehicle Loan
    • Personal Loan -Employees
    • Housing Loan
    • Finance for Agriculture
    • Small Scale Industries
    • Kisan Credit Card (KCC)
    • Gold Loan
    • Education Loan
    • Loan / Limit & Others
    • Loan / Limit Against Prop
    • Prop Pos Undr Sarfesi Act
  • Interest Rates
  • Service Charges
  • Insurance
  • Reports & Forms
  • Branches
  • Contact Us

Janta Bachat Khata

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.

Salient Features:

Eligibility & Requirements:

Eligibility & Requirements:

✅ 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. 

Eligibility & Requirements:

Eligibility & Requirements:

Eligibility & Requirements:

✅ 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 

Minimum Balance:

Eligibility & Requirements:

Minimum Balance:

💰 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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