Janata Sahakari Bank

Name

Janata Sahakari Bank

Legal name

Janata Sahakari Bank Ltd., Pune

Website

https://janatabankpune.com

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (522130), Commercial Banking (522110)

SIC

Functions Related To Depository Banking, Nec (6099), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Treasury & Liquidity Operations (Cash Positioning, Funding, Collateral Ops) (FSABALAH), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Cooperative banking services
• Retail lending products
• MSME loans
• Digital banking
• Deposit schemes

Headquarters

HQ city

Pune

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income on Loans: Traditional banking revenue generated from interest spread between lending rates and deposit rates across retail, housing, gold, vehicle, MSME, and commercial loan portfolios
2. Deposit Taking: Accepts various deposit schemes including savings, current, recurring, fixed deposits, and monthly income schemes from retail and corporate customers
3. Payment Gateway Services: Digital payment processing services through CCAvenue partnership enabling merchants to accept digital payments
4. Fee-based Services: Income from service charges, processing fees on loans, ATM charges, foreign exchange transactions, depository services, and insurance/mutual fund distribution

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Janata Sahakari Bank is a multi-state cooperative bank offering a comprehensive suite of banking and financial services including deposit products (savings, current, recurring, fixed deposits, monthly income schemes), retail loans (home, gold, vehicle, education, EV, solar, consumer durables), MSME and commercial loans (machinery, cash credit, pledge loans), digital payments (UPI, IMPS, NEFT, RTGS), internet and mobile banking, insurance distribution (life, general, health), mutual fund distribution, and depository services through 71 branches in Maharashtra and Gujarat.

Product overview

Janata Sahakari Bank Ltd. (JSBL) is a Pune-based multi-state cooperative bank established in 1949, operating 71 branches across Maharashtra and Gujarat. Its technology infrastructure is anchored by the TCS BaNCS Global Banking Platform, which provides integrated core banking, omnichannel digital channels (web, mobile, offline), payments, trade finance, and AML/KYC compliance capabilities. The bank's product portfolio spans deposit schemes (Shubhashish, Reinvestment, Monthly Income, Recurring Deposit), retail loans (Janata Housing/Home Loan, Janata Gold/Gold Loan, Janata Four Wheeler/Car Loan including EV variant, Janata Eduflex/Education Loan, Janata Two Wheeler Loan, Janata Solar Roof Top Scheme, Janata LAEP, Janata Computer, Janata Consumer Durables, Janata Dhanwantari, Janata Varadhasta, PM Svanidhi), MSME/commercial loans (Janata MSME Loan Scheme, Janata Udyam Vardhini, Janata Udyam Vikas, Janta Udyogini Karj Yojna, Janta Machinery Loan, Janta Land & Building, Commercial Vehicle Loan, Pledge Loan, Cash Credit, Loan Against Existing Property), and digital services including Janata Bank Mobile App (Android/iOS), BHIM JET PAY UPI app, Janata Bank BBPS app, JETBILLPAY IMPS app, internet banking, Janata Bill Pay (BBPS), QR Sound Box for merchants, RuPay debit card offers, depository services (NSDL/CDSL), mutual funds distribution, insurance services (life, general, and health insurance), and online account opening and loan application portals. The bank also offers calculators (EMI, Gold Loan, Loan Eligibility, Deposit) and participates in government schemes including PMJJBY, PMSBY, and Atal Pension Yojana.

Differentiator

Problem solved

Functional benefit

Products and services

• Janata Housing (Home Loan) Home loan product for individuals to finance purchase or construction of residential property with repayment tenures up to 84 months.
• Janata Gold (Gold Loan) Loan against gold ornaments providing credit using gold as collateral, positioned as a quick and convenient financing option.
• Janata Four Wheeler (Car Loan) Vehicle financing for purchasing new cars at competitive interest rates with repayment tenures up to 84 months.
• Janata Four Wheeler EV Electric vehicle financing product for purchasing electric cars, supporting adoption of environmentally friendly transportation.
• Janata Eduflex (Education Loan) Education loan for domestic and foreign studies offered at attractive interest rates to finance higher education.
• Janata Two Wheeler Loan Two-wheeler financing product enabling customers to purchase motorcycles and scooters.
• Janata Solar Roof Top Scheme Solar energy financing scheme supporting customers in installing rooftop solar power systems.
• Janata MSME Loan Scheme Micro, small, and medium enterprise financing product supporting business growth and working capital needs.
• Janata Udyam Vardhini Scheme MSME scheme aimed at supporting and developing small and medium enterprises.
• Janata Udyam Vikas MSME loan product supporting enterprise development and growth.
• Janta Udyogini Karj Yojna Women entrepreneurship loan scheme supporting female-owned businesses.
• Janta Machinery Loan Machinery purchase financing for businesses to acquire equipment and plant machinery.
• Janta Land & Building Loan Commercial property financing for purchasing land and constructing or acquiring buildings for business purposes.
• Commercial Vehicle Loan Financing for commercial vehicles including trucks, buses, and other transport vehicles for business use.
• Pledge Loan Loan against pledge of goods and commodities as collateral for businesses.
• Cash Credit Revolving credit facility providing businesses with ongoing access to working capital up to an approved limit.
• Loan Against Existing Property Loan facility against already owned property, enabling businesses to unlock equity for financing needs.
• Deposit Schemes Suite of deposit products including Shubhashish, Reinvestment, Recurring Deposit, Quarterly Interest, Janahit, Chiranjiv, Delux Current, Monthly Income, Sukumar Savings Account, and Current Account.
• Janata Bank Mobile App Official mobile banking application providing internet banking facility for account access, fund transfers, balance inquiries, and bill payments on Android and iOS.
• BHIMJETPAY (UPI) UPI mobile application for money transfer, balance inquiry, and QR code-based payments, branded under the BHIM ecosystem and available on Android and iOS.
• Janata Bank BBPS (Bharat Bill Payment System) Mobile application enabling bill payments through the Bharat Bill Payment System for utility bills, credit card bills, and other recurring transactions.
• Internet Banking Online banking platform providing customers access to account management, fund transfers, bill payments, and other banking services through web browsers.
• Depository Services (NSDL/CDSL) Demat account services through NSDL and CDSL for holding securities in electronic form, with KYC registration and mobile registration facilities available.
• Mutual Funds Distribution Distribution of mutual fund products to bank customers through a dedicated mutual funds service page.
• Insurance Services Bancassurance offerings including life insurance (Axis Max Life Insurance, SBI Life Insurance), general insurance (The New India Assurance, SBI General Insurance), and health insurance (Care Health Insurance).
• QR Sound Box Audio alert device for merchants that sounds a notification upon successful QR code payment receipt, providing instant confirmation of transactions.
• Foreign Exchange Services Foreign currency exchange services for customers requiring international currency transactions, handled through the Forex Department.
• Locker Services Safe deposit locker facility for secure storage of valuables, offered as a special service to customers.
• ASBA (Application Supported by Blocked Amount) Facility enabling investors to apply for IPOs and other public offerings with funds blocked in their bank account until allotment.
• Pradhan Mantri Yojana (PMJJBY/PMSBY/APY) Government-backed social security and insurance schemes including Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, and Atal Pension Yojana.
• PM Svanidhi Scheme (Atmanirbhar) Pradhan Mantri Street Vendor's Atmanirbhar Nidhi scheme providing micro-credit to street vendors for resuming livelihoods affected by the pandemic.
• Online Customer Profile & Account Opening Digital onboarding platform enabling customers to create online profiles and initiate account opening remotely.
• Online Loan Application Digital self-service portal allowing salaried individuals to check loan eligibility and submit loan applications online.
• CCAvenue Payment Gateway Services Digital payment processing services through the CCAvenue partnership enabling merchants in the bank's network to accept digital payments via an established payment infrastructure.

Quantifiable outcome

• 71 branches across Maharashtra and Gujarat serving 900,000+ customers
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Tata Consultancy Services (TCS)coreTechnology or Integration · 6 February 2026Janata Sahakari Bank selected TCS BaNCS Global Banking Platform for comprehensive digital transformation of core and digital banking infrastructure. TCS is deploying an integrated platform covering core banking, payments, trade finance, and AML/KYC compliance across the bank's 71 branches. The partnership aims to enable omnichannel services, faster product launches, digital onboarding, and improved regulatory compliance with Reserve Bank of India guidelines.
• CCAvenue (Infibeam Avenues Limited)coreTechnology or Integration · 1 September 2025Strategic partnership announced at Global Fintech Fest 2025 in Mumbai for payment gateway solutions. The partnership includes referral arrangements with Janata Sahakari Bank, enabling the bank to offer its merchant network secure, branded digital payment solutions through CCAvenue's established payment infrastructure.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/jsbpune
• YouTubeyoutube.com/channel/UCDFr9cF46sNNM3pt6RyEOxQ
• Facebookfacebook.com/JanataSahakariBankPune
• Instagraminstagram.com/janata_sahakari_bank_ltd
• LinkedInlinkedin.com/company/janata-sahakari-bank-ltd.-pune

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Janata Sahakari Bank