Jana Small Finance Bank FD Interest Rates

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What is Jana Small Finance Bank FD?

Jana Small Finance Bank has a range of Fixed Deposit (FD) products that are aimed at meeting the various requirements of savings, and one of the primary aspects that is considered is the interest rate that is offered. Being a small finance bank, it is reported to have higher returns than some of the large commercial banks.

Information About FDs & Other Options 

As you go about planning your investments, it is useful to understand the differences between the available options. Fixed deposits (FDs) are a safe option that offers a guaranteed and predictable rate of return. Other types of investment vehicles, such as guaranteed return plans and mutual funds, on the other hand, provide an alternative avenue of investment with a different level of risk.

Jana Small Bank Fixed Deposit: Key Highlights 

Jana Small Bank FD Latest Updates 

In the recent update, Jana Small Finance Bank is offering 8.00% per annum for both general and senior citizens as its highest interest rate on FD for a tenure of 5 years.

Jana Small Finance Bank FD Rates 2025

Below are the Jana Small Finance Bank interest rates for regular and senior citizens on Domestic/ NRO/ NRE deposits.

Interest Rates for Retail Fixed Deposits for Domestic / NRO / NRE Customers (less than INR 3 Crore)

Note: Jana Small Finance Bank FD Rates w.e.f 02nd December 2025

Revised rates above ₹ 3 Crore

Note: Jana Small Finance Bank FD Rates w.e.f. December 09 2025. The above rates are for deposit amounts from ₹ 3 crore to ₹ 5 crore.

Types of Jana Small Finance Bank FD Schemes 

Jana Small Finance Bank offers various types of Fixed Deposit (FD) schemes to cater to the diverse needs of customers. 

1. Regular Fixed Deposit (Regular FD) 

   The FD interest rates on Jana Small Finance Bank Regular FD are as high as 8.00% p.a. for the general public and 8.00% p.a. for senior citizens

   • Interest Compounding: Annually
   • Tenure: 7 days to 10 years
   • Fixed Deposit Amount: Rs. 1000 – No Limit
   • Premature Withdrawal: Allowed with a small penalty

2. Tax Saver Fixed Deposit (Tax-Saver FD) 

   Jana Small Finance Bank Tax Saver Fixed Deposit. The interest earned on Jana Small Finance Bank Tax Saver Fixed Deposits is exempt from tax under Section 80C of the Income Tax Act, 1961.

   • Tenure: 5 years
   • Tax Saver Fixed Deposit Limit: Rs. 1000 – Rs. 1.5 lakhs
   • Premature Withdrawal: Not allowed
   • Taxation: FD Plus/ FD with No Premature Withdrawal

3. Jana Small Finance Bank FD Plus Scheme

   The interest rate on Jana Small Finance Bank FD Plus ranges from 2.50% to 7.00% p.a. The interest is compounded annually.

   • Tenure: 7 days to 10 years
   • Fixed Deposit Amount: Rs. 15,00,001 No Limit
   • Premature Withdrawal: Not allowed
   • Taxation: Taxable under the Income Tax Act, 1961

4. Liquid Plus Fixed Deposit 

   The Liquid Plus Fixed Deposit is a great option for managing your short-term savings. It's designed to give you the best of both worlds: the high interest rates of a fixed deposit and the flexibility to access your money whenever you need it.

   • High Interest Rates: Earn more compared to a regular savings account
   • Quick Access: Get your money back on the same day 
   • Partial Withdrawals: Allowed 
   • Instant Overdraft: Get a loan instantly against your deposit

Benefits of Jana Small Finance Bank FD 

Jana Small Finance Bank FD rates are offered by the bank on fixed deposits for different durations.

• Competitive interest rates: Jana Small Finance Bank offers attractive interest rates on FDs, which are as high as 8.00% p.a. for general citizens and 8.00% for senior citizens.
• Flexible tenures: You can choose from various tenures for your FD, from 7 days to 10 years.
• Easy to open: You can open an FD account online through netbanking or at any Jana Small Finance Bank branch.
• Secure investment: Your FD is insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to a maximum of Rs. 5 lakhs.

How to Open a Jana Small Finance Bank Fixed Deposit

Jana Small Finance Bank Fixed Deposit is a reliable way to grow your savings with secure, guaranteed returns. FDs allow you to invest a one-time lump sum for a chosen tenure and earn attractive interest.

Online FD Account Opening

If you are an existing customer with a Jana Small Finance Bank account, you can open an FD online through the bank’s digital platforms. The process is quick and convenient.

• NetBanking/ Mobile Banking App: Access your account via NetBanking or the bank's official Mobile Banking App.
• Navigate to Fixed Deposits: Find the "Fixed Deposit" or "Term Deposit" and select "Open FD."
• Enter Details: Choose the account you wish to debit, enter the FD amount, and select the tenure.
• Choose Payout Option: Decide on your interest payout frequency
• Review and Confirm: Verify details, read and accept the terms and conditions, and submit the request
• Receive Confirmation: The bank will process your request and issue a digital receipt. 

 Offline FD Account Opening

If you prefer a traditional approach, you can visit the nearest Jana Small Finance Bank branch to open a Fixed Deposit.

• Visit a Branch: Go to any Jana Small Finance Bank branch with your necessary documents.
• Fill the FD Form: The Bank will assist you in filling out the FD application form.
• Submit Documents: If you are a new customer, you will need to submit your KYC documents. 
• Deposit Funds: Hand over the deposit amount
• Choose Tenure & Interest: Select your preferred FD tenure and your interest payout preference.
• Get the FD Receipt: The bank will provide you with a physical Fixed Deposit receipt as proof.

Eligibility for Jana Small Finance Bank 

These are the bodies and people who are eligible for the Jana Small Finance Bank FD - 

Individuals

• Minors
• Proprietorships, 
• Hindu Undivided Families (HUF), 
• Trusts, 
• Partnerships and Non-Governmental Organizations (NGOs).
• Both Registered and Unregistered Bodies
• Cooperative Societies and Private Limited Companies

Summing it Up

Jana Small Finance Bank offers competitive interest rates on its various deposit schemes. These rates are subject to change and may vary based on the type of deposit and duration. By providing attractive interest rates, Jana Small Finance Bank aims to provide value to its customers and help them grow their savings.