Frequently Asked Questions
What is the minimum balance for a savings account?
Deposits
₹500 for Regular Savings Account. BSBDA (Basic Savings) accounts have zero minimum balance.
What are the current FD rates?
Deposits
Our FD rates range from 4.00% to 8.50% depending on tenure and age. Senior citizens get an additional 0.50%.
Are my deposits insured?
Deposits
Yes, all eligible deposits are insured up to ₹5,00,000 per depositor under DICGC.
What documents are needed for a vehicle loan?
Loans
ID proof, address proof, income proof, vehicle quotation or invoice, and driving license.
What is the maximum gold loan amount?
Loans
Up to 75% of the gold value as assessed by our certified appraiser.
Can I prepay my loan?
Loans
Yes, most loans allow prepayment after 6 months with a nominal prepayment charge.
How do I register for mobile banking?
Digital Banking
Download the JPC Mobile Banking app, enter your registered mobile number and account details, and set your MPIN.
What should I do if my ATM card is lost?
Digital Banking
Call 0257-2220055 immediately to block the card. You can also block it through the mobile banking app.
How do I reset my UPI PIN?
Digital Banking
Open your UPI app, go to settings, then choose change UPI PIN. You will need your debit card details.
How do I lodge a complaint?
Complaints
You can lodge a complaint online through our website, by visiting your branch, or by calling our helpline.
What is the complaint resolution timeline?
Complaints
We aim to resolve complaints within 7 working days at the branch level. You may escalate if not resolved.
How do I reach the Banking Ombudsman?
Complaints
If your complaint is not resolved within 30 days, you can approach the RBI Integrated Ombudsman at cms.rbi.org.in or call 14448.