✨ Special FD Festival Bucket: Earn up to 8.75% p.a. (9.25% for Senior Citizens) on 444 Days|🏦 DICGC Deposit Insurance: Every depositor insured up to ₹5,00,000 by RBI Subsidiary|⚡ Instant Personal Loan: 100% digital disbursal up to ₹15 Lakhs in 2 Hours|🏡 Affordable Home Loans starting at 8.40% p.a. with Zero Prepayment Penalty|💼 MSME Vyapar Loan: Collateral-free funding up to ₹20 Lakhs under CGTMSE|💳 Aura Digital Savings: Zero balance account with up to 7.25% interest rate & free RuPay Platinum card|✨ Special FD Festival Bucket: Earn up to 8.75% p.a. (9.25% for Senior Citizens) on 444 Days|🏦 DICGC Deposit Insurance: Every depositor insured up to ₹5,00,000 by RBI Subsidiary|⚡ Instant Personal Loan: 100% digital disbursal up to ₹15 Lakhs in 2 Hours|🏡 Affordable Home Loans starting at 8.40% p.a. with Zero Prepayment Penalty|💼 MSME Vyapar Loan: Collateral-free funding up to ₹20 Lakhs under CGTMSE|💳 Aura Digital Savings: Zero balance account with up to 7.25% interest rate & free RuPay Platinum card|
Janakalyan Multipurpose Co-operative Society Logo
JANAKALYANCO-OP

Multipurpose Co-operative Society

“Together We Grow Stronger”

Modern Banking Accounts

Accounts Designed for Every Life Stage

Open a high-interest Digital Savings account with zero balance requirements, or power your business with our Vyapar Current Account.

Zero Balance & Free Debit Card

Aura Digital Savings Account

Up to 7.25% p.a. on balances

Zero-balance instant account with up to 7.25% interest rate and contactless RuPay Platinum card.

Instant video KYC opening in under 5 minutes
Daily interest calculation with monthly interest payout
Free unlimited UPI transactions & IMPS/NEFT/RTGS transfers
Complimentary RuPay Platinum Debit Card with ₹2 Lakh accidental cover
Free SMS alerts and email e-statements
Doorstep Banking & 0.50% Extra

Pratham Senior Privilege Account

Up to 7.75% p.a.

Special banking experience for elders with preferential rates, doorstep cash pickup, and dedicated RM.

Complimentary doorstep banking services (Cash delivery, cheque pickup)
Higher daily ATM cash withdrawal limits
Priority queue at all 450+ branches across the country
Free unlimited demand drafts and multicity chequebooks
Health checkup discounts and partner merchant vouchers
Free QR Soundbox & POS

Vyapar Dynamic Current Account

Engineered for retailers, traders, and corporates with high cash deposit limits and free Soundbox.

Free cash deposit up to 12x of Average Monthly Balance (AMB)
Free instant UPI QR & Soundbox for store merchants
Multi-user corporate Internet Banking with maker-checker approvals
Bulk payout API integration for vendor payments & payroll
Zero-charge RTGS, NEFT, and IMPS payments

High Savings Account Interest Slabs

Interest calculated on daily end-of-day balances and credited directly to your account every month.

Up to ₹1 Lakh
4.00% p.a.
Monthly Credit
Above ₹1 Lakh up to ₹5 Lakhs
5.50% p.a.
Monthly Credit
Above ₹5 Lakhs up to ₹25 Lakhs
6.75% p.a.
Monthly Credit
Above ₹25 Lakhs up to ₹5 Crores
7.25% p.a.
Monthly Credit
Above ₹5 Crores
7.50% p.a.
Monthly Credit
Complimentary Card With Every Account

RuPay Platinum International Contactless Debit Card

Enjoy ₹2 Lakh complimentary accidental insurance cover, zero surcharge on fuel, 24x7 concierge services, and airport lounge access across India.

₹50,000 Daily ATM Limit
Tap & Pay Contactless
Exclusive Dining Offers
JANAKALYAN CO-OPPLATINUM
4820 •••• •••• 9210
VAL THRU
12/31
RuPay