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Short Message Service (SMS) Banking Services

SMS Banking is a service that allows customers to access their account information via mobile phone.The purpose of this service is to send various alerts based on the criteria designed (Push SMS) and receive requests from customers and send that information through SMS (Pull SMS) within India only. This will facilitate customers to keep track of transactions happening in their accounts and also get required information without visiting Bank premises. Bank reserves the right to amend this policy at its discretion. In case of amendments, users will be informed appropriately.


Keep a watch on your account with our round the clock SMS Banking service. Every debit or credit in your account is intimated to you by an SMS as soon as it happens. Be in a smart position to detect any un-authorised access to your account.
Be alert.


  • Safety: Every debit and credit above a certain amount is intimated to you.
  • Stay updated on your account transactions anywhere in India.
  • Convenience: No waiting queues at ATM / Counter to check your account.
  • TimeSaving: No traveling to branches or ATMs to keep track of your account.
  • Updates: Get automatic updates on bill payments and scheduled payments on your cell.
  • Accessibility: Avail of this service from anywhere in the India, even on the move.


Customers of the Janakalyan Bank shall be eligible and allowed to use the facilities only after his/ her/ their application.


Yes, this service is secure. You will first have to register for this service and ensure your latest mobile number is updated with the Bank. Your mobile number will be linked to your individual account(s). Please note that at this moment, the service is restricted to enquiry functions on accounts and is not applicable for funds transfer between accounts.


Please do not store sensitive account information on your phone or reveal to anyone. Be reminded to delete any SMS sent to 9223178900 from your phone 'Sent' folder. If customer Changes the Mobile number he / she has to again register the new mobile number

Push Service

SMS banking services are operated using both push and pull messages. Push messages are those that the bank chooses to send out to a customer's mobile phone, without the customer initiating a request for the information. As mentioned in features alerts. Following are the Alerts initiated

Type Of SMS
Transaction SMS SMS will be sent to customers about any Debit or Credit transaction happening in their accounts (other than ATM transactions) as per the limit defined on transaction amount.
Inward / Outward Return SMS will be sent to customers about Inward & Outward clearing Cheque returned
SMS Registration SMS will be sent to customers for acknowledging registration of services.
A/Cs opened SMS will be sent to customers on opening of account.
TD Matured Records SMS will be sent to customers about Term Deposit maturing in the start of the month.
Locker Due Rent SMS will be sent to customers about Overdue of Locker Rent in the next month.
SI Non Execution SMS will be sent to customers about non execution of their standing instructions.
DP Expiry SMS will be sent to customers about DP Expiry.
ATM Transactions SMS will be sent to customers for withdrawn cash on ATM.

Pull Service

Pull messages are those that are initiated by the customer, using a mobile phone, for obtaining information in the bank account.

Request Types
SMS Formats
Balance Enquiry
SBAL < A/C Type > < A/C No >
e.g. SBAL SB 345

Gives you the balance of the specific account number linked with customer mobile number. The account number is optional

Last 3 Transactions

LST3 < A/C Type > < A/C No >
e.g. LST3 SB 345

Gives you the last three transactions in the specific account number linked with customer mobile number. The account number is optional

Fate of Cheque

FCHQ < Chq No. >
< A/C Type > < A/C No >
e.g. FCHQ 123456 SB 345

Gives you status of the Cheque

SMS Request

Key Words
How to send
CARLOAN Car loanSMS 'CARLOAN' to 9223178900
EL Education Loan SMS 'EL' to 9223178900
HL Housing Loan SMS 'HL' to 9223178900
LOAN All type of Loans SMS 'LOAN' to 9223178900
HOTC Hot List ATM SMS 'HOTC' to 9223178900
INSURANCE Insurance SMS 'INSURANCE' to 9223178900
JANANEXT Saving Bank JanaNext AccountSMS 'JANANEXT' to 9223178900
JanaProLoan Professional Loan SMS 'JanaProLoan' to 9223178900
LOCKER Locker SMS 'LOCKER' to 9223178900
ML Mortgage Loan SMS 'ML' to 9223178900
PL Personal Loan SMS 'PL' to 9223178900
VL Vehicle Loan SMS 'VL' to 9223178900