Jana Small Finance Bank Legend Savings Account Review – Features, Benefits & Charges

Experience financial empowerment in your retirement years with the Legend Savings Account. Tailored specifically for Senior Citizens, this account offers a suite of features and perks to ensure peace of mind and financial stability.

Eligibility Criteria

• Available for Resident Individuals aged 60 and above.

• Monthly Average Balance (MAB) requirement: ₹25,000/-.

• Existing customers can apply by visiting their nearest branch.

Product Features and Benefits

1. Monthly Interest Pay-out

• Receive a monthly pay-out of interest on your savings account.

2. Apollo Circle Membership (12 months)

• Unlimited free 2-hour deliveries on medicines and essentials.

• 5% additional cashback on medicines and health essentials.

• 7% additional cashback on diagnostic tests.

• Up to 15% savings on doctor consultations.

• 24/7 Emergency Doctor on Call access.

• Priority customer support and delivery.

3. Zero Fee Banking

• Unlimited transactions at Other Bank ATMs.

• No charges on NEFT/RTGS/IMPS transactions.

• No banking fees on services.

• 1 small locker free for a lifetime (subject to availability, applicable on an individual/family basis).

4. Select ATM/Debit Card (RuPay Select)

• Exclusive benefits tailored for senior citizens.

5. Mobile & Internet Banking

• State-of-the-art mobile banking app for seamless fund transfers, bill payments, and rewards.

• Secure internet banking platform for 24/7 account access.

RuPay Select Debit Card – Features & Benefits

• ✅ Gym Access: 1 free 30-day gym membership per quarter.

• ✅ Spa/Salon: 1 free spa or salon session per quarter.

• ✅ Health Check-ups: 1 free premium health check-up package per quarter.

• ✅ Golf Program: 1 free golf lesson or round per quarter.

• ✅ Airport Lounge Access:

  • Domestic: 3 visits/quarter (50+ lounges).

  • International: 3 visits/year (500+ lounges).
    Check for Lounge List Here

• ✅ Accidental Insurance: ₹10 lakh Personal Accident & Disability Cover.

• ✅ Exclusive Offers: Special merchant discounts & deals.

• ✅ 24/7 Concierge Service: Assistance in Hindi, English, & regional languages (Toll-free: 1800-26-78729).

Key Charges (Effective 25th Sep 2024)

Account Maintenance

• Minimum Initial Deposit: ₹25,000/-.

• AMB Requirement: ₹25,000/- (or Total Relationship Value (TRV) of ₹5,00,000/-).

• AMB Non-Maintenance Charge: 6% of the shortfall or ₹600/- (whichever is lower).

Cash & Cheque Transactions

• Cash Withdrawal & Deposit at Branch: Unlimited (subject to IT rules).

• Cheque Book: Unlimited free leaves, no stop payment or return charges.

Debit Card & ATM Transactions

• Card Type: RuPay Select.

• Issuance, AMC, Re-issuance: NIL.

• ATM & Micro ATM Withdrawals: Unlimited (Jana Bank & Other Banks).

• Daily Limits:

  • ATM: ₹2,50,000/-

  • POS & E-commerce: ₹5,00,000/-

• International ATM Transactions: Charged as per actuals.

Fund Transfers & Remittances

• NEFT, RTGS, IMPS, DD, SI Failure, NACH Return: Free.

Other Charges

• Account Closure (after 14 days, before 1 year): ₹500/-.

• SMS Alerts, Statements, DD Cancellation: Free.

• Locker Discount: Available (subject to branch availability).

Final Thoughts

The Legend Savings Account is an ideal banking solution for senior citizens seeking a hassle-free, rewarding, and secure financial experience. With its zero-fee banking, high transaction limits, premium RuPay Select debit card benefits, and health-focused perks, this account ensures a comfortable and worry-free retirement.

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