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<h1>Universal banking license application filed to seek transition of a small finance bank into a universal bank offering broader services.</h1> Application to the Reserve Bank of India seeks approval for conversion of Jana Small Finance Bank into a Universal Banking license holder, based on its retail and MSME franchise, deposit growth, national footprint, digital capabilities, asset quality, and governance metrics, and emphasizes commitments to governance, compliance and customer-centric operations as foundational for regulatory assessment of suitability and operational readiness for universal banking activities.