Yes. Resident Pakistanis with assets declared abroad as per wealth statement declared in latest
tax return with Federal Board of Revenue (FBR) can open a Roshan Digital account with
JS Bank in Foreign currencies.

You can visit our JS Bank website on https://jsbl.com/business/sme/roshan-digital-account/,
click on apply now button, and fill out the RDA account opening digital form OR you may
simply say “Hi” to our WhatsApp JS BOT @ +92 348 7003000 and follow our auto-guided
process

Both Current and Savings account are offered.

Roshan Digital accounts can be opened in PKR, GBP, EUR, CNY, and USD, AED.

1. Original scanned CNIC/ NICOP/ POC
2. Original scanned Passport (first 2 pages) (Pakistani and/or foreign/other country)
3. Proof of NRP status (e.g. scanned copy of POC, visa, entry/exit stamps, etc.)
4. Proof of Profession and Source of Income/Funds (e.g. scanned copy of job certificate,
tax return, rent agreement, salary slips, etc.)
5. Live Photo of customer
6. Signature (Wet signature scanned or pictured)
7. FATCA/CRS Declaration

Credit Transactions:

• • Remittances received from abroad through banking channel, PRI, or MTOs (such as
    MoneyGram, Western Union, etc)
  • The account can be funded through an another RDA account with JS Bank
    belonging to the same account holder.
  • Proceeds of Government of Pakistan securities (as allowed by State Bank of Pakistan),
    term deposits, and other Wealth products and profit / interest on these investments.
  • Refund of amounts debited incorrectly or over-charged.

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Debit Transactions:

• Remittances and payments outside Pakistan to the funding account
• Investment in Government of Pakistan securities (as allowed by the State Bank of Pakistan), term deposits other Wealth products.
• All inland (within Pakistan) payments, withdrawals and funds transfer within Pakistan only – These can be done via PKR account only
• Debits in lieu of applicable government taxes / duties etc, bank charges and reversal of any incorrect / wrong credit entry.

Roshan Digital accounts can be funded through remittances from the account holder themselves through formal channels
i.e., banks or money transfer companies (Swift code: JSBLPKKAXXX).

You can opt for a debit card (for PKR accounts only) when you apply for your Roshan Digital Account whilst you can apply for a Cheque book (for both PKR and FCY accounts) via Call Centre or Mobile banking.

PKR Roshan Digital Account holders are given Master debit cards which can be used outside Pakistan on all possible digital channels, POS, ATMs, etc.

JS Titanium MasterCard Debit Card is offered free of cost to all RDA customers who apply. Annual/Issuance Fee for Other card categories will be charged at actual as mentioned in the schedule of charges.

This scheme is available to both salaried and self-emp Individuals: Minimum income of PKR 25,000
Households: Minimum income of PKR 25,000
Loan Term:
Minimum Term: 10 years | Maximum Term: 20 years
Age Criteria:
Minimum Age of Primary Applicant: 25 years
Maximum Age of Primary Applicant: 60 years (on maturity of the loan) *
Example: If a customer’s age is 48 and wishes to apply for this scheme, he is eligible to avail the loan for maximum 12 years.
Ownership Criteria: This scheme is available to 1st time home owners only. In the case of household applications, the primary applicant must be a 1st time home owner / buyer

Property Criteria	Maximum Loan Amount	Maximum Property Value
Tier 1 (NAPHDA Projects)	PKR 2.7 Million	PKR 3.5 Million
Tier 2 (Non NAPHDA Projects)	PKR 6 Million	No Cap
Tier 3 (Non NAPHDA Projects)	PKR 10 Million	No Cap

Tier 1 (NAPHDA)	Tier 2 (Non NAPHDA)	Tier 3 (Non NAPHDA)
House / Apartment / Flat up to 125 (5 Marla) Sq. Yards with a covered area of 850 Sq. Feet	House / Apartment / Flat up to 125 (5 Marla) Sq. Yards with a covered area of 1250 Sq. Feet	House / Apartment / Flat up to 250 Sq. Yards (10 Marla) with a covered area of 2000 Sq. Feet

Internet Banking is an electronic service provided by JS Bank to allow you to perform transactions, payments etc. over the
internet – through the Bank’s secure website.

It is so easy to apply and it is FREE!

• It is your own bank. You have instant access to up-to-date information on your accounts.
• It is safe and easy. Using your Online Banking Login ID and Online Banking Password, you can now bank with confidence knowing that your transactions remain safe with us. With our simple and intuitive navigational toolbars and buttons, you do not need other instructions or assistance.
• It is fast. It takes only a few minutes to get updated account information and complete a banking transaction – giving you more time to do other things.
• With this service, you can access your JS Bank accounts 24 hours a day, 365 days a year.
• It is worldwide access. As long as you can access the Internet, you can access your JS Bank accounts anywhere in the world.
• No special software required. You do not need to purchase any special software. As long as you have a personal computer (PC) with the minimum configuration, you are ready to start. Please check the minimum browser requirement.
• Wide range of services. Our wide range of online banking services will help you manage your finances better. Moreover, we will progressively add more new services for your convenience.

No, there is no extra charge for using this service.

Yes. This service is available 24 hours a day, 7 days a week.

Yes. As long as you can access the internet with the recommended internet browser, you will be able to access the service.

This scheme is available to both salaried and self-employed applicants.
*All applicants must have a valid CNIC / NICOP

Income Criteria:
Individuals: Minimum income of PKR 25,000
Households: Minimum income of PKR 25,000
Loan Term:
Minimum Term: 10 years | Maximum Term: 20 years
Age Criteria:
Minimum Age of Primary Applicant: 25 years
Maximum Age of Primary Applicant: 60 years (on maturity of the loan) *
Example: If a customer’s age is 48 and wishes to apply for this scheme, he is eligible to avail the loan for
maximum 12 years.
Ownership Criteria: This scheme is available to 1st time home owners only. In the case of household
applications, the primary applicant must be a 1st time home owner / buyer
Property Criteria: Maximum Loan Amount Maximum Property Value
Tier 1 (NAPHDA Projects) PKR 2.7 Million PKR 3.5 Million
Tier 2 (Non NAPHDA Projects) PKR 6 Million No Cap
Tier 3 (Non NAPHDA Projects) PKR 10 Million No Cap

Tier 1 (NAPHDA)	Tier 2 (Non NAPHDA)	Tier 3 (Non NAPHDA)
House / Apartment / Flat up to 125 (5 Marla) Sq. Yards with a covered area of 850 Sq. Feet	House / Apartment / Flat up to 125 (5 Marla) Sq. Yards with a covered area of 1250 Sq. Feet	House / Apartment / Flat up to 250 Sq. Yards (10 Marla) with a covered area of 2000 Sq. Feet

Yes. You can see a summary of your account profile on the Personal Homepage once you have logged in to Online Banking.

Yes, you can view the transactions belonging to all your accounts under the Account Transaction History.

You can view your transactional history up to last six months for your accounts. Your A/C statements are segmented as per the period selected.

Yes. You can select your latest transaction or historical transactions for a period of up to one month from the current date and click on the download button to save the information for your tracking.

You can request to link the other account/cards through phone banking helpline.
Please note that your linking request will not be processed if account/card details such as mailing address, all contact numbers, email address, mobile number, CNIC, and operating instructions do not match with the existing account.

Yes, you can get transaction alerts by email and SMS.

To use this service, you must have at least an account and an active Debit Card with JS Bank. Partnership and Public Limited Companies are not eligible.

You can apply for the service by self-registration on JS Bank website (www.jsbl.com). Debit Card details will be required during the registration.

You can get Internet Banking Login ID and Password instantly by using the Internet Banking feature. To use this feature, your mobile number and email address need to be updated with the bank and you need to have access to your mobile phone.
Steps:

• Visit http://www.JSBL.com.
• Go to “Internet Banking” option.
• Click on the “Registration” tab and enter the requested information.
• Verify the account details on the next screen.
• System generated One Time Password will be sent out to you on your system registered phone
  number given on your account.
• After entering verification code create login ID and password.
• Now you can go to “Homepage” tab to log in with your new Login ID and Password you have just set and enjoy the Internet Banking experience.

• Card Statement
• Card Bill Payment

Online Banking services are not available for JS Bank Credit Card holders.

You can view your current JS Bank Credit Card Summary online. All you need to do is to click on Credit Card Summary under Credit Card option and select the statement that you wish to see.
Your statements are segmented as:

• Last statement:
• This will be your last month’s statement

You can make payment to your JS Bank Credit Card bills via Credit Card bill payment option in Internet Banking. Simply click on ‘Credit Card Bill Payment’ under Credit Card option. Select the card you wish to pay; choose the account you want the amount to be deducted from and enter the payment amount.

Your payment in Credit Card account will be updated in the next two working days.

You can transfer funds between your own JS Bank accounts and Inter Bank Fund Transfer that you have already added as a beneficiary.

Yes, you will need to add the beneficiary account details, in order to transfer funds.

Please follow the steps given below.

• Go to Beneficiary Management.
• Go to My Funds Transfer.
• Go to Add Beneficiary (enter the Beneficiary details).
• Enter One Time Password (OTP will be sent on your email address and on SMS).

Following this 2FA validation, your beneficiary account will be added and then you will be able to transfer funds to this account.

Online Banking Fund Transfers within JS Bank are processed immediately, unless customer makes the transaction after midnight during bank’s end of day activities, especially on Saturday and Sunday nights. During this time, all transaction postings are held off temporarily. Transactions made during this period will get posted on the bank system by the end of the next day.

You can transfer up to PKR 500,000 to any same/other JS Bank Account. One go limit is 250,000 that can be transferred.

They are unique secret words/characters for each user to ensure confidentiality. While you are registering for online banking by self-registration, you will be able to set your ID and password by yourself.

Please following the steps given below.
No, you cannot use your ATM PIN or Phone Banking PIN to log in to Online Banking. However, you can use ATM/Debit card number and PIN to register for Online Banking through website.

To get your Login ID just call our 24/7 Helpline number 021-111-654-321/ 051-111-654-321. Phone Banking Officer will email you your login ID against your account number after verification.

To get your Password/PIN, just call our 24/7 Helpline number 021-111-654-321/ 051-111-654-321. Phone Banking Officer will email you the link after verification. By the help of that link, you will be able to generate new Password/PIN.

To register for Internet Banking online you will need to have an active ATM/Debit Card.

You will need to first activate your ATM/Debit Card. Once your ATM/Debit Card is active, then you can use your Debit Card details to register online for Online Banking.

No, you cannot use an expired Debit/Card to register for Online Banking.

Yes, you may change your password by calling our 24/7 Helpline number 021-111-654-321 or 051-111-654-321.

You can only change your Login ID by logging in to Online Banking for the very first time.

If you suspect that your password has been stolen or exposed to others, please change your password immediately.

You can use the following methods:

• Call our Helpline by using your updated ‘Landline’ number and request Phone Banking
  Officer to update your email address/mobile number.
• Visit your nearby branch and submit the account details updation form.

If you need assistance with logging in, please call our 24/7 Helpline number 021-111-654-321 or 051-111-654-321.

Yes, you can delete any of your Set-up Standing Order Instructions one business day before the effective due date.

You can follow the steps given below.

• Go to “Bill Payments” section
• Go to “Get Top-up”
• Add Beneficiary
• Select “Network Company”
• Select “Number” and “Amount”
• Confirm your payment details
• You will receive confirmation alert via SMS and Email.

JS Bank uses one of the strongest encryption technologies, which is mostly used by large scale online merchants, banks and brokerages worldwide. All online sessions between you and the bank are protected by encryption, which best protects your information against disclosure to third parties.

Encryption is a method of scrambling your information to protect its transmission across the Internet. Encryption transforms data into an unreadable form and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet.

A cookie is information that a website puts on your hard disk so that it can remember something about you later. This mechanism allows the server to store its own information about a user on the user’s own computer. We do not use cookies for this service.

Besides maintaining the confidentiality of your Online Banking ID and Online Banking Password, you should take the following precautions:

• DO NOT reveal your ID and password to anyone, write down or use it where someone else can see.
• Change your password IMMEDIATELY, using the ‘Change of Password’ service, if you suspect it has been revealed.
  DO NOT use easily recognized numbers such as your telephone number etc. as your password.
• REMEMBER TO LOG OUT of the system and close your browser whenever you leave your computer, even for a short while.
• Clear your browser’s cache on a regular basis so that your account information is removed. This is particularly important if you are using a shared PC. You should clear it after each session.
• Always use the latest recommended internet browser so that you can use the most updated security features available.

Call our Helpline immediately if you notice any unusual transactions on your account.

If you suspect there are unauthorized transactions on your account, please report on our Helpline. Please provide
details such as your name, account number, transaction type, date and time of transaction, description of error and amount involved.
If you suspect they are due to lost/stolen password, please call our Helpline to terminate the password immediately.
You may want to take note of your last login date and time, as indicated on the Personal Homepage, each time you log in to the service.

Yes, JS Bank Alerts is a charged service. For details please refer to our Schedule of Charges.

We strongly recommend not to conduct your Online Banking transactions on such PCs unless you are sure that it is safe to do so. Please clear browser cache after each session so that your account information is removed from such PCs.

Do not choose a password that is easily identifiable such as your personal telephone number, birthday, or other personal information etc.; do not write it down or use it where someone else can see.

• Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your password.
• Your password must always be kept confidential and not be divulged to anyone. Do not reveal your password to anyone.
• Your password must be memorized and not be recorded anywhere. Do not write down your password or use it where someone else can see.
• Change your password immediately if you suspect it has been revealed.
• Change your password regularly. You can change your password anytime under ‘Personal Update – Change of Password’.

Minimum Hardware Requirement:

• PC with Pentium 166MHz processor or higher.
• 32 MB RAM or higher.
• SVGA or higher resolution monitor, 256 colors minimum, 800 x 600 screen resolution.
• Modem of 56kbps or higher minimum software requirement.
• Microsoft Windows 95/98/NT/2000 operating system.
• Microsoft Internet Explorer Version 4.01 with Service Pack 2 or above*Both “Java” and “Java Script” have to be enabled.

*To make use of the 128-bit SSL encryption and enjoy the highest level of security, we strongly recommend that you upgrade your browser to Internet Explorer version 5.01 and above or Netscape Communicator 4.7 and above.

If you are using Netscape Communicator:

• • Click on [Help]
  • Click on [About Communicator…]

If you are using Internet Explorer

• Click on [Help]
• Click on [About Internet Explorer]
• Click on [OK]

We do not recommend the use of any operating system other than those mentioned in Software requirement.

Our website is optimized for view with screen resolution of 800 x 600.

We regret to inform you that Macintosh is not currently supported by this service.

You can currently use IBFT to transfer only up to PKR 500,000 per day.

You need the following:

• Complete Account number of the beneficiary in the other bank
• Amount that you wish to transfer in PKR

IBFT may fail due to the following reasons:

• If you have not given the correct details for the beneficiary (including the beneficiary account number or branch code if required).
• If your account that you have indicated for the debit does not have the sufficient clear funds to cover the IBFT requested or has debit restrictions that lead to failure of debit.

Your Telephone Personal Identification Number (TPIN) is your electronic signature. Your TPIN is your identification for Phone Banking services and therefore should remain confidential. Please do not share it with anyone. If you think someone has discovered your TPIN, change it immediately

Call on JS bank Helpline number 021-111-654-321 or 051-111-654-321 and report the incident immediately. The Phone Banking Officer will help you generate a new TPIN.

Call JS Bank Phone Banking immediately to have your lost card reported and blocked. We will take a request for your new or replaced card.

Credit Card:

• • If Credit Card is blocked due to non-payment then you have to first clear your dues then you can have your card unblocked.
  • If Credit Card is blocked temporarily, it can be unblocked by calling our Helpline number after mandatory verification.
  • If Credit Card is permanently blocked, it cannot be unblocked. You can submit a request for the replacement.

Debit Card:

• If Debit Card is blocked temporarily, it can be unblocked by calling our Helpline after mandatory verifications.
• If Debit Card is permanently blocked, it cannot be unblocked. You can submit a request for the replacement.

Yes. After TPIN verification on the self-service banking, you can access all your accounts.

No, you cannot make any payments directly from the self-service banking.

With this service, you will be able to get SMS and email alerts of your transactions on your registered mobile number and email address.
For bank accounts you will get alerts for:- Deposit (cheques/cash)

• Withdrawal (cheques/cash)
• JS Bank Account to Account Transfer
• Purchase on Debit Card

For Credit Card you will get alerts for:- Purchase on Credit Card

• Card Payment Received
• Statement Generation
• Payment Reminders

Yes, JS Bank Alerts is a charged service. For details please refer to our Schedule of Charges.

Your mobile number and email address must be updated with us in order to be enrolled for this service. If these are not updated, you will have to raise updating request from your JS Bank Branch/Helpline (you may need to submit the supporting documents, if required).

Your enrolment for Alerts can only be done against one mobile number.

Yes, your accounts/cards will be linked to provide access on the same mobile number.
Please note that if any of these accounts are Corporate/Business/Partnership/Joint with “AND” option accounts, then you will need to submit the supporting official documents to allow us to link the accounts/cards and provide access from the mentioned mobile number, to your JS Bank Branch, in order to get access to the service.

If you apply through Phone Banking for account Alerts, then you may get enrolled within one business day.

You will receive alerts immediately for bank account related transactions and the alert for Credit Card transactions will be received within five minutes.

Yes, you can receive SMS and Alerts on email.

You will need to visit the branch and raise a mobile number and/or email address updating request. (You may need to submit the supporting documents, if required).

You can call our 24/7 Helpline at 021-111-654-321 or 051-111-654-321 to de-enrol from this service or you can visit the branch and initiate the same.

E-Statement is an electronic version of your Credit Card or account statement

This service is free of cost.

Yes, you can access your E-statement from anywhere as long as you have access to your email.

You can easily subscribe/unsubscribe through any of the following ways:

• Online Banking
• Contact Center

You will receive your E-Statement as per the frequency you have selected. Credit Card statements are sent monthly. The frequency for bank account customers can be daily, weekly, monthly, quarterly, half yearly and yearly.

Customers may only receive their statements either by regular mail or via E-Statements.

No, your statement will be sent to you electronically and via regular mail.

No, you can have E-Statement on one registered email address only.

Kindly ensure that your email inbox has free space. Check if the E-Statement is lying in the junk mail box and the email address that you have specified is correct. After completing the above checks if the problem persists log your complaint at the branch or call at Helpline, 021-111-654-321 or 051-111-654-321.
Note: Credit Card customers do not receive a paper or E-Statements for the month in which the customer has not made any transaction and does not have any amount due.

Bank Account and Credit Card E-Statements are sent in encrypted PDF format and will open in Adobe Acrobat Reader.

You will stop receiving your E-Statement if you close the account.

Pakistani nationals abroad are eligible for US $50,000/- or an equivalent amount in other currencies, for their medical treatment(s).
The patient and one attendant are also entitled to receive Cash Foreign Exchange equivalent to US Dollars 5,000/- for travelling abroad against endorsement on his/her/their passports(s). However, the person(s) entitled to receive the cash foreign exchange shall submit the duly filled-in and signed Form T-1 (Appendix V-64) to the bank for releasing of cash foreign exchange.
Documentation:

• Invoice/estimate of the foreign hospital
• C- A “Self-declaration” from the patient, his/her next of kin OR from sponsor declaring the amount of the foreign exchange essentially required for the treatment abroad.

US Dollars 50 per day per person up to maximum of US Dollars 2,100/- per calendar year for travelling to all
countries except the following:

• For travelling to India: US Dollars 25/- per person
• For travelling to Bangladesh: US Dollars 100/- per person
• For travelling to Afghanistan: No Foreign Exchange
• Foreign Exchange for professional training for more than four weeks, US Dollars 1,200/- per month.
• For India the foreign exchange limit is US Dollar 500/- per month.

Remittances
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PAGE 17
Foreign Exchange for journalists/participants travelling abroad to attend conferences, seminars, games, meetings and sports events etc. in private capacity is US Dollars 60/- per person per day up to the limit of US Dollars 1,000/-
Documentation:

• Passport
• Visa
• CNIC
• Ticket
• T-1 form duly completed

USD 70,000 or equivalent in other foreign currencies to a student studying abroad

• This is applicable to a single student per calendar year
• No restriction on the number of institutions to which a student can apply for admission
• Remittance for tuition fee, living expenses and other dues i.e. health, insurance, union, sports, library fees etc.

The student is also entitled to receive Cash Foreign Exchange equivalent to US Dollars 5,000/- to meet the initial expenses related to boarding/lodging and/or other requirements travelling abroad against endorsement on his/her/their passports(s). However, the student entitled to receive the cash foreign exchange shall submit the duly filled-in and signed Form T-1 (Appendix V-64) to the bank for releasing the cash foreign exchange.
Documentation:

• Copies of Computerized CNIC/Form “B” of the student and CNIC of the Parent/Guardian
• Copy of the Passport of the student.
• Letter of Admission from the foreign educational institution.
• Letter/Cost sheet from foreign educational institution showing break-up of expenses.

Insurance is an arrangement by which a company or the state undertakes to provide a guarantee of compensation for specified loss, damage, illness or death in return of payment of specified premium. Additionally, it can also be used to plan for long term expenses (retirement or education etc.)

Bancassurance is an arrangement between a Bank and an insurance company allowing to sell insurance products to the bank’s client base.

Regular premium/contribution is a type of insurance in which amount is paid at time intervals such as monthly or annually for insurance coverage.

Single Premium/Contribution is a type of insurance in which a lump sum of money is paid into the policy in return for insurance coverage.

Some of the major benefits of investing in Bancassurance are:

• Life and Risk Coverage
• Access to small investors
• Diversification of portfolio
• Long term savings
• Professional fund management
• Tax benefits

Yes. If the fund at the back of product is not capital guaranteed, the investor can have both capital gain and loss on their invested amount.

No, JS Bank only acts as a distributor for insurance products.

Investment in insurance/takaful products, provides tax benefit by allowing the policy holder to avail tax credit (as per Income Tax Ordinance, 2001).

Front-end load is a charge applied by the provider at the time of initial purchase of a policy. It is deducted from the initial amount, and as a result, lowers the size of the investment.

FBack-end load is a charge applied by the provider when withdrawing from a policy. The fee is calculated as a percentage of the redemption amount.

Mortality Charge is the amount charged every year by the insurance provider to provide life cover to the policy holder on the life of the Life Insured/Covered.

You may activate your Master Debit Card using the following:
Step 1:

• Please insert your Master Debit Card at any JS Bank ATM.

Step 2:

• A 6-digit One Time PIN (OTP) will be generated and will be sent to your registered mobile number. You may follow the instructions on the screen and enter your OTP.

Step 3:

• You may generate your new 4-digit PIN by using the ATM keypad.

Step 4:

• You will have to re-enter your 4-digit PIN by using ATM keypad.

Step 5:

• he ATM will generate the PIN with confirmation receipt “Your card has been activated”.

Note: Upon 3 incorrect entries of the One Time Password (i.e. received on the registered mobile number), the ATM will dispense the card and the customer will have to contact the 24/7 Helpline at 111-654-321 to activate their Master Debit Card through our IVR service.

Phone Banking:
For Master Debit Card activation, you may easily activate your Master Debit Card by calling our 24/7 Helpline from your registered contact number.

• Call our 24/7 Helpline number 021 / 051 – 111 654 321 and keep your Debit Card ready.
• Select your preferred language from the options provided.
• Press 3 for Debit Card activation.
• Enter your CNIC number along with the expiration date.
• Enter the last four digits of your Master Debit Card along with the expiration date of your Master Debit Card
• Enter your date of birth (DD/MM/YYY)
• Create your 4-digit ATM PIN for the Master Debit Card
• Re-enter your 4-digit ATM PIN
• Card will be activated and ready for utilization.

No, you do not need to provide fingerprint while activating your Master Debit Card.

Yes, you can withdraw money immediately after activation of your card.

You can create your Master Debit Card Password in 3 attempts. After that customer will have to call our 24/7 Helpline number for card activation.

You can access the following channels for balance inquiry:

• Contact Center (021-111-654-321 or 051-111-654-321)
• Internet Banking (www.ib.jsbl.com)
• Mobile Banking (Please refer to mobile application)
• Visit your nearest branch.

You can make a complaint through the following channels:

• Helpline 021-111-654-321 or 051-111-654-321
• Email us at: [email protected]
• Visit any Branch/ATM Hotline
• Write to us: JS Bank Customer Care Unit, 7th Floor Fakhri Trade Center, Shahra-e-Liaqat,
  Karachi.

You can refer to the following channels for Product/Service Charges:

• JS Bank website (www.jsbl.com)
• Visit any branch

Access to E-statement will ensure a fast and secure medium to get information at your registered email ID with JS Bank.

Rates/Schedule of Charges are revised every six months and same is effective from 1st January and 1st July.