Welcome to the official website of Dattatray Maharaj Kalambe Jaoli Sahakari Bank Ltd., popularly and formerly known as Jaoli Sahakari Bank Ltd. (“DMK Jaoli Bank”, “the Bank”, “we”, “our” or “us”).
These Terms and Conditions govern your access to and use of the Bank’s website, online services, digital facilities and information made available through www.dmkjaoli.bank.in and its associated online platforms.
By accessing, browsing or using this website and/or any online service provided by the Bank, you acknowledge that you have read, understood and agreed to be bound by these Terms and Conditions, together with any applicable product-specific terms, policies, rules, notices and guidelines issued by the Bank from time to time.
If you do not agree with these Terms and Conditions, please discontinue using the website and its online services.
1. Definitions
For the purpose of these Terms and Conditions, unless the context otherwise requires:
1.1 “Bank”
“Bank”, “DMK Jaoli Bank”, “we”, “our” or “us” means Dattatray Maharaj Kalambe Jaoli Sahakari Bank Ltd.
1.2 “Customer”
“Customer”, “User”, “you” or “your” means any person who accesses, browses or uses the Bank’s website, online services or any digital facility provided by the Bank.
1.3 “Website”
“Website” means the official website of DMK Jaoli Bank available at:
and any other website, webpage or digital platform officially operated by the Bank.
1.4 “Services”
“Services” include banking products, account-related services, loan products, deposits, digital banking facilities, customer support, forms, applications, information and other services made available by the Bank through its website or other digital channels.
1.5 “Online Services”
“Online Services” means any banking or customer service facility that may be accessed electronically through the Bank’s website, mobile applications, internet banking, electronic communication or other authorised digital channels.
2. Acceptance of Terms
2.1 These Terms and Conditions apply to your use of the Bank’s website and online services.
2.2 By accessing or using the website, you acknowledge and agree that you will comply with these Terms and Conditions and all applicable laws, regulations and guidelines.
2.3 Certain products and services offered by the Bank may be governed by additional terms and conditions. In case of any conflict between these general Terms and Conditions and product-specific terms, the product-specific terms shall apply to the extent of such conflict.
2.4 The Bank may modify, update, add or remove provisions of these Terms and Conditions from time to time. Continued use of the website after such changes shall constitute acceptance of the revised Terms and Conditions.
3. Use of the Website
3.1 The website is provided primarily to provide information about the Bank, its products, services, branches, facilities, notices and other banking-related information.
3.2 You agree to use the website only for lawful purposes.
3.3 You shall not use the website:
- For any unlawful or fraudulent purpose;
- To obtain unauthorised access to any system, account or information;
- To interfere with or disrupt the website or its servers;
- To introduce viruses, malware or other harmful code;
- To attempt to compromise the security of the website;
- To copy, reproduce or misuse website content without permission;
- To impersonate another person or entity; or
- In any manner that may damage the reputation or interests of the Bank.
3.4 The Bank reserves the right to restrict, suspend or terminate access to any website facility if misuse, unauthorised activity or violation of these Terms and Conditions is identified.
4. Information on the Website
4.1 The Bank makes reasonable efforts to ensure that the information published on its website is accurate and up to date.
4.2 However, information relating to interest rates, service charges, product features, eligibility criteria, schemes, offers, branch details, timings and other banking services may change from time to time.
4.3 Information displayed on the website should therefore be read together with the applicable product documents, application forms, schedules, policies and other terms issued by the Bank.
4.4 The Bank reserves the right to modify, discontinue or withdraw any product, service, facility, scheme or offer without prior notice, subject to applicable laws and regulatory requirements.
4.5 Website information should not be considered as a substitute for the Bank’s official documents, agreements, sanction letters, account statements or other legally applicable documents.
5. Product and Service Information
5.1 Information regarding savings accounts, current accounts, deposits, loans, digital banking services, debit cards and other banking products is provided for general information and customer convenience.
5.2 Eligibility for any product or service shall be determined by the Bank in accordance with its policies, applicable laws and regulatory requirements.
5.3 Submission of an online enquiry, application or request does not constitute automatic approval or acceptance by the Bank.
5.4 The Bank may request additional documents, information or verification before processing an application or providing any service.
5.5 The Bank reserves the right to accept or reject any application in accordance with applicable laws, regulations and its internal policies.
6. Online Forms and Applications
6.1 Information submitted through online forms must be accurate, complete and current.
6.2 You are responsible for ensuring that the information provided by you is correct.
6.3 The Bank shall not be responsible for any delay, loss or consequence arising from incorrect, incomplete, outdated or misleading information provided by you.
6.4 Submission of information through the website does not by itself create a banking relationship, loan agreement, deposit relationship or any other contractual relationship unless expressly accepted by the Bank.
6.5 The Bank may contact you through the contact details provided by you for processing your enquiry or application.
7. Internet and Digital Banking
7.1 Where the Bank provides internet banking, mobile banking, UPI, debit card, ATM or other digital banking facilities, such services shall be subject to the specific terms and conditions applicable to those facilities.
7.2 Customers must follow all security instructions issued by the Bank.
7.3 Customers must keep their user ID, password, PIN, OTP, debit card details, CVV, authentication credentials and other confidential information secure.
7.4 Customers must never disclose confidential banking credentials to any person, including persons claiming to represent the Bank.
7.5 The Bank will never ask customers to disclose their confidential PIN, password, CVV or OTP for the purpose of verifying or updating their account.
7.6 Customers should immediately report any suspected unauthorised transaction, loss of card, compromise of credentials or suspicious activity to the Bank through the appropriate official channels.
The Bank’s customer-awareness guidance specifically advises customers not to share debit card numbers, expiry dates, CVV, PIN, OTP or passwords with anyone.
8. Security of the Website
8.1 The Bank takes reasonable measures to protect its website and digital communication systems.
8.2 Customers should access the Bank’s website only through the Bank’s official website address.
8.3 Customers are advised not to access banking services through suspicious links received through email, SMS, WhatsApp, social media or other communication channels.
8.4 Customers should ensure that their computers, mobile devices, browsers and security software are appropriately updated and protected.
8.5 Although the Bank takes reasonable security measures, no electronic transmission or internet-based system can be guaranteed to be completely secure.
8.6 The Bank shall not be responsible for security incidents arising from the customer’s failure to maintain the security of their device, credentials or personal information.
9. Unauthorised Transactions
9.1 Customers must immediately report any unauthorised or suspicious transaction noticed in their account.
9.2 The Bank may investigate reported transactions in accordance with applicable laws, regulatory requirements and the Bank’s internal policies.
9.3 Customers should cooperate with the Bank and provide all information and documents reasonably required for investigation.
9.4 Customers must follow the Bank’s prescribed procedure for reporting unauthorised electronic transactions.
9.5 Liability for unauthorised electronic transactions shall be determined in accordance with applicable RBI guidelines, Bank policies and the facts and circumstances of each case.
10. Accuracy of Customer Information
10.1 Customers are responsible for ensuring that information submitted to the Bank is accurate and complete.
10.2 Customers should promptly notify the Bank of any change in:
- Address;
- Mobile number;
- Email address;
- Identity documents;
- Nominee details;
- Communication details; or
- Any other information relevant to the customer’s banking relationship.
10.3 The Bank may request updated documents or information from time to time in accordance with applicable KYC, AML and regulatory requirements.
11. Intellectual Property
11.1 Unless otherwise stated, all content available on the Bank’s website, including text, graphics, logos, images, photographs, designs, documents, icons, videos, software and other material, is owned by or licensed to the Bank.
11.2 Such content may not be reproduced, copied, modified, distributed, published, transmitted or commercially exploited without prior written permission from the Bank, except where permitted under applicable law.
11.3 The Bank’s name, logo, trademarks and service marks may not be used without prior written authorisation.
12. Third-Party Websites and Links
12.1 The Bank’s website may contain links to third-party websites, applications or services for customer convenience.
12.2 Such links do not necessarily constitute an endorsement, recommendation or guarantee by the Bank.
12.3 The Bank is not responsible for the content, privacy practices, security, availability or accuracy of third-party websites.
12.4 Customers should review the terms and privacy policies of third-party websites before using them.
13. Website Availability
13.1 The Bank endeavours to keep its website available and operational.
13.2 However, access to the website may occasionally be interrupted because of:
- Scheduled maintenance;
- System upgrades;
- Technical failures;
- Internet or telecommunications failures;
- Power failures;
- Cybersecurity incidents;
- Natural disasters;
- Government or regulatory restrictions;
- Force majeure events; or
- Other circumstances beyond the Bank’s reasonable control.
13.3 The Bank does not guarantee that the website or any particular service will always be available, uninterrupted, timely, secure or error-free.
14. Disclaimer
14.1 The website and its content are provided for general information and customer convenience.
14.2 To the extent permitted by applicable law, the Bank does not guarantee that all information available on the website will always be complete, accurate, current or error-free.
14.3 The Bank shall not be responsible for any loss or damage arising solely from reliance on general information published on the website where such information has subsequently changed or has been superseded.
14.4 Product-specific rights and obligations shall be governed by the applicable account opening forms, agreements, product terms, sanction documents, schedules, policies and other applicable documents.
15. Limitation of Liability
15.1 To the extent permitted by applicable law, the Bank shall not be liable for any loss or damage resulting from:
- Temporary unavailability of the website;
- Internet or telecommunications failure;
- Technical malfunction;
- Malware or viruses originating from third-party systems;
- Unauthorised access caused by the customer’s failure to protect credentials;
- Incorrect information provided by the customer;
- Delays caused by circumstances beyond the Bank’s reasonable control; or
- Any act or omission of a third-party service provider beyond the Bank’s reasonable control.
15.2 Nothing contained in these Terms and Conditions shall exclude or limit any liability that cannot legally be excluded or limited under applicable law.
16. Fees and Charges
16.1 The Bank may levy fees, charges, service charges, penalties or other applicable charges for products and services in accordance with its approved schedule of charges and applicable regulatory requirements.
16.2 Applicable charges may be communicated through the Bank’s website, branch notices, account statements, electronic communication or other appropriate channels.
16.3 Customers are advised to review the applicable schedule of charges before using chargeable services.
The Bank publishes its service-charge schedule on its website, including charges applicable to various deposit, account and banking services.
17. Privacy and Confidentiality
17.1 The Bank respects the privacy and confidentiality of customer information.
17.2 Personal information submitted through the Bank’s website or online services may be collected, processed, stored and used for legitimate banking, operational, regulatory, security and service-related purposes.
17.3 The Bank may disclose information where required or permitted by applicable law, regulation, court order, government authority, regulatory authority or for the protection of the Bank’s legitimate interests.
17.4 The Bank’s Privacy Policy shall apply to the collection and use of personal information through the website.
17.5 Customers should read the Bank’s Privacy Policy for additional information regarding the handling and protection of personal information.
18. Customer Communications
18.1 By submitting an enquiry, application or request through the Bank’s website, you may be contacted by the Bank through the contact information provided by you.
18.2 Communication may be made through telephone, SMS, email, WhatsApp or other authorised communication channels, subject to applicable laws and regulatory requirements.
18.3 Customers should ensure that the contact details provided to the Bank remain accurate and updated.
19. Electronic Records
19.1 Electronic records maintained by the Bank in the ordinary course of its business may be relied upon as evidence of transactions and communications, subject to applicable law.
19.2 The Bank may maintain records of online applications, requests, transactions, communications and other activities in electronic or other forms as permitted by applicable law.
20. Suspension or Termination of Services
20.1 The Bank may suspend, restrict or terminate access to any website or digital service where:
- These Terms and Conditions are violated;
- Fraudulent or suspicious activity is detected;
- There is a security risk;
- Required information or documents are not provided;
- Required by law or regulatory authority; or
- The Bank reasonably considers such action necessary for security or operational reasons.
20.2 Suspension or termination of access to a digital service shall not automatically terminate any underlying banking relationship or contractual obligations unless expressly provided otherwise.
21. Changes to Terms and Conditions
21.1 The Bank reserves the right to amend, modify, supplement or update these Terms and Conditions from time to time.
21.2 Changes may be published on the Bank’s website or communicated through other appropriate channels.
21.3 Customers are advised to periodically review this page for the latest version.
21.4 Continued use of the website after publication of revised Terms and Conditions shall constitute acceptance of the revised terms, subject to applicable law.
22. Governing Law
22.1 These Terms and Conditions shall be governed by and interpreted in accordance with the laws of India.
22.2 Any dispute arising in connection with the use of the Bank’s website or services shall be subject to the applicable laws, regulations and dispute-resolution mechanisms prescribed by the Bank and relevant regulatory authorities.
22.3 Nothing in these Terms and Conditions shall limit any statutory rights or remedies available to customers under applicable Indian law or regulatory directions.
23. Customer Grievance Redressal
23.1 Customers having complaints or grievances relating to the Bank’s products or services may contact the Bank through its prescribed grievance-redressal channels.
23.2 The Bank has designated officers for handling customer complaints and grievances.
23.3 Customers may also approach the appropriate regulatory grievance-redressal mechanism, including the RBI Integrated Ombudsman Scheme, where applicable and after following the Bank’s internal grievance-redressal process.
For current complaint and grievance information, customers may refer to the Bank’s Customer Complaint page.
24. Force Majeure
The Bank shall not be responsible for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond its reasonable control, including natural disasters, floods, earthquakes, fire, war, civil disturbances, government actions, regulatory restrictions, cyber incidents, telecommunications failure, power failure, system failure or other events of force majeure.
25. Severability
If any provision of these Terms and Conditions is determined to be invalid, unlawful or unenforceable under applicable law, such provision shall be modified or removed to the extent necessary, while the remaining provisions shall continue to remain valid and enforceable.
26. No Waiver
Failure by the Bank to exercise or enforce any right or provision under these Terms and Conditions shall not constitute a waiver of that right or provision.
27. Entire Agreement
These Terms and Conditions, together with applicable product-specific terms, policies, agreements, application forms, schedules and notices issued by the Bank, constitute the applicable terms governing your use of the Bank’s website and services.
28. Contact Information
Dattatray Maharaj Kalambe Jaoli Sahakari Bank Ltd.
418/20, Maulana Azad Road,
Near Round Temple,
Mumbai – 400 004, Maharashtra, India.
Phone: 022-2382 2773 / 022-2382 8488
Email: hoadmin@dmkjaoli.bank.in
Website: www.dmkjaoli.bank.in
For customer complaints and grievances, customers may use the Bank’s prescribed complaint-redressal mechanism and official contact channels.
Important Security Notice
DMK Jaoli Bank will never ask you to share your confidential banking credentials such as your Debit Card PIN, CVV, OTP, password or other authentication credentials.
Never share such information with anyone, even if the person claims to be calling from the Bank.
Always access the Bank’s website by entering the official website address directly into your browser and exercise caution when clicking links received through email, SMS, WhatsApp or social media.
Last Updated: September 2026
Dattatray Maharaj Kalambe Jaoli Sahakari Bank Ltd. reserves the right to update these Terms and Conditions from time to time in accordance with applicable laws, regulations and Bank policies.