Jana Small Finance Bank Aspiring Bankers Programme 2025
Kickstart Your Banking Career with the Jana Small Finance Bank Aspiring Bankers Programme 2025
The Jana Small Finance Bank Aspiring Bankers Programme 2025, offered in partnership with Manipal Academy of BFSI, is a 6-month training initiative designed to transform graduates into skilled banking professionals. This programme prepares candidates for the role of Assistant Manager (Personal Banker) at Jana Small Finance Bank, one of India’s leading small finance banks, with a starting salary of ₹4.00 LPA plus performance-based incentives. With a comprehensive curriculum, stipends during training, full course fee reimbursement, campus benefits, and assured job placement, this programme is an excellent opportunity for aspiring bankers. Here’s a detailed guide to the programme, including eligibility, selection process, training structure, and more.
Programme Overview
The Jana Small Finance Bank Aspiring Bankers Programme is a 6-month Post Graduate Certificate in Banking and Finance aimed at equipping graduates with the skills needed for a successful career as a Personal Banker. The programme combines 1 month of residential classroom training at Manipal Academy of BFSI in Bengaluru, 2 months of internship, and 3 months of on-the-job training (OJT) at Jana Small Finance Bank branches. Upon completion, candidates join the bank as Assistant Managers and receive a certificate from Manipal Academy of BFSI.
Key Highlights:
- Job Role: Assistant Manager (Personal Banker)
- Salary: ₹4.00 LPA (fixed CTC) + performance-based incentives
- Certification: Post Graduate Certificate in Banking and Finance from Manipal Academy of BFSI
- Programme Duration: 6 months
- 1 month of residential classroom training in Bengaluru
- 2 months of internship at Jana Small Finance Bank branches
- 3 months of on-the-job training (OJT) at Jana Small Finance Bank branches
- Course Fee: ₹99,000 + applicable taxes (covers training, boarding, lodging, and study materials)
- Fee Reimbursement: Fully refunded within 2 years of employment with Jana Small Finance Bank, with performance-based refunds at different stages
- Loan Facility: Available to finance the course fee, with flexible EMI options
- Stipend:
- ₹10,000/month during 1-month campus training
- ₹20,000/month during 2-month internship
- ₹4.00 LPA (pro-rated as monthly salary, approximately ₹33,333/month) during 3-month OJT
- Campus Benefits (during 1-month classroom training):
- Accommodation (lodging)
- Meals
- Uniforms
- Study materials
- Training Partner: Manipal Academy of BFSI
- Job Location: Pan-India, across Jana Small Finance Bank’s 767 branches in 24 states and 3 union territories
Training and Stipend Structure
The Aspiring Bankers Programme follows a structured “Learn-Earn-Grow” model, offering stipends during all training phases and comprehensive campus benefits during the residential phase.
Training Breakdown:
- 1-Month Residential Classroom Training (Manipal Academy of BFSI, Bengaluru)
- Stipend: ₹10,000/month
- Campus Benefits:
- Fully residential with hostel accommodation
- Meals
- Uniforms
- Study materials
- Curriculum:
- Retail banking fundamentals and financial products (savings accounts, loans, insurance, microfinance)
- Lead generation and customer acquisition techniques
- Customer relationship management and account management
- KYC, AML, and RBI compliance frameworks
- Digital banking tools and processes
- Soft skills (communication, customer service, business etiquette)
- Case studies and role-plays for practical learning
- Delivery Mode: In-person classes with expert-led sessions, supported by digital learning tools
- 2-Month Internship (at Jana Small Finance Bank branches)
- Stipend: ₹20,000/month
- Practical exposure to banking operations, customer interactions, and sales processes
- Candidates arrange their own boarding and lodging
- 3-Month On-the-Job Training (OJT) (at Jana Small Finance Bank branches)
- Stipend: ₹4.00 LPA (pro-rated as monthly salary, approximately ₹33,333/month)
- Hands-on experience in sales, customer service, and banking operations, aligning with the Personal Banker role
Upon successful completion, candidates join Jana Small Finance Bank as Assistant Managers (Personal Bankers) with a fixed CTC of ₹4.00 LPA plus incentives. The course fee is fully refunded within 2 years of employment, with performance-based refunds at different stages, making the programme a financially rewarding investment.
Eligibility Criteria
To apply for the Jana Small Finance Bank Aspiring Bankers Programme 2025, candidates must meet the following requirements:
- Age: 20–30 years (as of the application date)
- Gender: Open to both male and female candidates
- Educational Qualification:
- Full-time graduation in any stream (e.g., BA, B.Com, BBA, B.Sc, BCA, etc.)
- Minimum 50% aggregate marks in graduation (no backlogs)
- Graduation must be from a recognized university in regular mode (no correspondence, distance learning, vocational, or open schooling)
- Additional Requirements:
- Proficiency in written and spoken English
- No immediate family members (parents, siblings, spouse, or children) employed at Jana Small Finance Bank
- No pending legal cases or disciplinary actions
- Experience: Open to freshers and candidates with up to 2 years of work experience
Course Fee and Financing
- Total Fee: ₹99,000 + applicable taxes (covers training, boarding, lodging, and study materials during the 1-month campus training)
- Payment Options: Self-funded or via education loan
- Loan Facility: Available through partner financial institutions; candidates can contact Manipal Academy of BFSI for details
- Fee Reimbursement: Fully refunded within 2 years of employment with Jana Small Finance Bank, with performance-based refunds at various stages
- Application Fee: ₹100 + GST (non-refundable, for assessment purposes)
- Transparency Note: The course fee is paid to Manipal Academy of BFSI, not Jana Small Finance Bank, and is non-refundable if the candidate exits the programme at any stage. Any additional payment requests are fraudulent and should be reported.
Selection Process
The selection process is merit-based and designed to identify candidates with strong potential for customer-facing banking roles. The steps are:
- Online Application:
- Register on the official programme website (e.g., janasfb.manipalbfsi.com or janabankabp.online-ap1.com)
- Pay a non-refundable application fee of ₹100 + GST
- Online Assessment (Level 1):
- Written test covering Verbal Ability, Analytical Ability, Numerical Ability, Written English Test, and Listening Comprehension Test
- Online Panel Interview (Level 2):
- Conducted by Manipal Academy of BFSI and Jana Small Finance Bank representatives
- Assesses banking awareness, sales aptitude, communication skills, and alignment with the bank’s values
- Provisional Offer Letter:
- Issued after document verification (PAN card, Aadhaar card, address proof, birth date proof, academic certificates, resume) and background checks
- Training:
- Enrolled candidates begin the 6-month programme (1 month classroom, 2 months internship, 3 months OJT)
- Job Placement:
- Successful candidates join Jana Small Finance Bank as Assistant Managers (Personal Bankers)
Document Requirements:
- PAN card
- Aadhaar card
- Address proof (e.g., passport, driving license, voter’s ID)
- Birth date proof (e.g., passport, birth certificate, school leaving certificate)
- Academic certificates (10th, 12th, graduation)
- Updated resume
Test Pattern for Online Assessment
The online assessment is a key component of the selection process. Based on programme details, the test pattern includes:
- Type: Objective, multiple-choice questions
- Sections:
- Verbal Ability: Grammar, vocabulary, reading comprehension
- Analytical Ability: Logical reasoning and problem-solving
- Numerical Ability: Arithmetic, data interpretation, quantitative aptitude
- Written English Test: Writing skills and clarity
- Listening Comprehension Test: Ability to understand spoken English
- Duration: Typically 60–90 minutes (subject to official notification)
- Negative Marking: Not specified; candidates should check official guidelines
- Preparation Tips:
- Study quantitative aptitude using resources like RS Aggarwal or Arun Sharma
- Practice English grammar, vocabulary, and comprehension
- Take mock tests to improve speed and accuracy
- Review basic banking concepts (e.g., retail banking, financial products, KYC)
- Prepare for the interview by practicing sales-oriented scenarios (e.g., “How would you handle a customer refusing a loan offer?”)
Roles and Responsibilities of an Assistant Manager (Personal Banker)
As an Assistant Manager (Personal Banker) at Jana Small Finance Bank, you will focus on customer acquisition, relationship management, and revenue growth. Key responsibilities include:
- Lead Generation: Identify and source new customers through market mapping, referrals, and walk-ins
- Customer Acquisition: Onboard clients for savings accounts, loans, insurance, and microfinance products
- Relationship Management: Build and maintain long-term client relationships to enhance retention and wallet share
- Account Management: Manage customer accounts, ensuring seamless service and transaction processing
- Cross-Selling: Promote banking products to meet customer needs and achieve sales targets
- Compliance: Adhere to KYC, AML, and RBI regulations
- Digital Banking: Educate customers on digital banking platforms and services
- Reporting: Maintain daily sales and activity reports
The role may involve travel within the assigned city/region for client meetings or field activities, with postings at any of Jana’s 767 branches across 281 districts in India.
Why Choose the Jana Small Finance Bank Aspiring Bankers Programme?
The Aspiring Bankers Programme offers several advantages for aspiring bankers:
- Comprehensive Training: Delivered by Manipal Academy of BFSI, a leader in BFSI education with over 2,00,000 professionals trained
- Earn While You Learn: Stipends of ₹10,000/month (classroom), ₹20,000/month (internship), and ₹4.00 LPA (OJT)
- Fee Reimbursement: Full refund of ₹99,000 + taxes within 2 years of employment, with performance-based refunds
- Assured Job Placement: Guaranteed role as Assistant Manager (Personal Banker) with Jana Small Finance Bank
- Competitive Salary: ₹4.00 LPA + performance-based incentives
- Campus Benefits: Lodging, food, uniforms, and study materials during the 1-month residential training
- Career Growth: Opportunities to advance in a fast-growing small finance bank serving over 8 million customers
- Inclusive Opportunity: Open to graduates from any stream with 50% marks, ideal for freshers and those with minimal experience
Challenges to Consider: The role involves sales targets, which may entail work pressure, and candidates must arrange their own boarding and lodging during the internship and OJT phases. However, the stipends, fee reimbursement, and job assurance make the programme highly attractive.
About Jana Small Finance Bank
Established in 2008, Jana Small Finance Bank is one of India’s leading small finance banks, regulated by the Reserve Bank of India (RBI). Headquartered in Bengaluru, the bank has a pan-India presence with 767 branches, including 278 in unbanked rural centers, and 61 ATMs across 281 districts in 24 states and 3 union territories as of July 2023. Serving over 8 million customers, including 3.6 million active customers, Jana Small Finance Bank focuses on financial inclusion, offering microfinance, affordable housing loans, and digital banking solutions. Its vision is to be the leading digitized bank serving aspirational India.
Conclusion
The Jana Small Finance Bank Aspiring Bankers Programme 2025 is a premier opportunity for graduates aged 20–30 to build a rewarding career with one of India’s leading small finance banks. With its 6-month training, generous stipends, full fee reimbursement, campus benefits, and assured placement as an Assistant Manager, the programme offers a clear pathway to success in banking. Backed by Manipal Academy of BFSI’s expertise, this initiative equips candidates with the skills to excel in customer-facing roles. If you meet the eligibility criteria and are passionate about a career in banking, apply now, prepare diligently for the assessment and interview, and take the first step toward a dynamic future with Jana Small Finance Bank!
For more details, visit janasfb.manipalbfsi.com or www.janabank.com. Stay updated on application deadlines and batch commencement dates.