The Jana Small Finance Bank offers competitive FD interest rates of 3.75% - 8.50% p.a. for its general customers and 4.25% - 9.00% p.a. for senior citizens on deposits of up to Rs. 2 crores. This is a Fixed Deposit scheme with tenure from 7 days to 10 years, which ensures a steady and guaranteed growth of your savings over time. Jana Small Finance Bank offers multiple benefits and features to its fixed deposit customers.
Save upto ₹46,800 in tax under Sec 80C
Inbuilt Life Cover
Tax Free Returns Unlike FD+
|BANKS||GENERAL CITIZENS||SENIOR CITIZEN|
|Axis Bank FD Rates||2.50% - 5.75%||2.50% - 6.50%|
|Bandhan Bank FD Rates||3.00% - 5.00%||3.75% - 5.75%|
|Bank of Baroda FD Rates||2.80% - 5.25%||3.30% - 6.25%|
|Bank of India FD Rates||2.85% - 5.05%||3.35% - 5.55%|
|Canara Bank FD Rates||2.90% - 5.40%||2.90% - 5.90%|
|Central Bank of India FD Rates||2.75% - 5.00%||2.90% - 3.25%|
|DBS Bank FD Rates||2.50% - 5.50%||3.50% - 6.00%|
|HDFC Bank FD Rates||2.50% - 5.60%||3.00% - 6.35%|
|IDFC Bank FD Rates||2.50% - 6.00%||3.00% - 6.50%|
|Indian Bank FD Rates||2.90% - 5.15%||3.40% - 5.65%|
|Indian Overseas Bank FD Rates||3.40% - 5.20%||3.90% - 5.70%|
|IndusInd Bank FD Rates||2.50% - 6.00%||3.00% - 6.50%|
|Punjab National Bank FD Rates||2.90% - 5.25%||3.50% - 5.75%|
|SBI FD Rates||5.30% - 5.40%||5.80% - 6.20%|
|UCO Bank FD Rates||2.55% - 5.05%||3.80% - 6.30%|
|Yes Bank FD Rates||3.25% - 6.25%||3.75% - 7.25%|
Let us learn about the FD rates and various benefits of Jana Small Finance Bank (Jana SFB).
The Jana Small Finance Bank interest rates for regular and senior citizens on Domestic/ NRO/ NRE deposits (withdrawable) below Rs. 2 crores are as follows:
|Period||Regular FD Interest Rates (in % p.a.)||FD Interest Rates for Resident Senior Citizens (in % p.a.)*|
|1 Year [365 Days]||7.25%||7.75%|
|366 – 499 days||8.50%||9.00%|
|501 days - 2 Years||8.50%||9.00%|
|> 2 Years -3 Years||7.35%||7.85%|
|> 3 Year - < 5 Years||7.25%||7.75%|
|5 Years [1825 Days]||6.00%||6.50%|
|> 5 Years - 10 Years||6.00%||6.50%|
|Tax Saver FDs [5 years]||6.00%||6.50%|
*For interest rates on a fixed deposit value of above Rs.2 Crore, the customers need to contact their respective branch to open their Fixed Deposit (FD) account.
** The minimum tenure for NRE Deposits of up to Rs. 2 crores is 1 year.
***Additional 0.50% p.a. interest rate is available only for resident senior citizens.
The Jana Small Finance Bank interest rates of the FD Plus Scheme for various ranges of deposits (Non- withdrawable) are as follows:
|FD Interest Rates for Various Deposit Amounts|
|Tenure||< Rs. 2 Crores||Rs. 2 Crores – Rs. 5 Crores||> Rs. 5 Crores – Rs. 25 Crores||>Rs. 25 Crores – Rs. 50 Crores||> Rs. 50 Crores|
|7 - 14 Days||3.85%||3.90%||3.90%||3.90%||3.90%|
|15 - 60 Days||4.35%||4.40%||4.40%||4.40%||4.40%|
|61 - 90 Days||5.10%||5.15%||5.15%||5.15%||5.15%|
|91 - 180 Days||6.35%||6.40%||6.40%||6.40%||6.40%|
|181 - 364 Days||7.10%||7.15%||8.25%||7.15%||7.15%|
|1 Year [365 Days]||7.35%||9.00%||8.90%||9.00%||7.40%|
|>1 Year - 2 Year||8.60%||7.40%||9.10%||7.40%||7.40%|
|>2 Years - 3 Years||7.45%||7.50%||7.50%||7.50%||7.50%|
|> 3 Year - < 5 Years||7.35%||7.40%||7.40%||7.40%||7.40%|
|5 Years [1825 Days]||6.10%||6.15%||6.15%||6.15%||6.15%|
|> 5 Years - 10 Years||6.10%||6.15%||6.15%||6.15%||6.15%|
Allahabad Bank FD Interest Rates
Andhra Bank FD Interest Rates
Assam Gramin Vikash Bank FD Interest Rates
AU Small Finance Bank FD Interest Rates
Axis Bank FD Interest Rates
Bajaj Finance FD Interest Rates
Bandhan Bank FD Interest Rates
Bangiya Gramin Vikash Bank FD Interest Rates
Bank of Baroda FD Interest Rates
Bank of Ceylon FD Interest Rates
Bank of India FD Interest Rates
Bank of Maharashtra FD Interest Rates
Baroda Gujarat Gramin Bank FD Interest Rates
Canara Bank FD Interest Rates
Capital Small Finance Bank FD Interest Rates
Central Bank of India FD Interest Rates
Citibank FD Interest Rates
City Union Bank FD Interest Rates
Corporation Bank FD Interest Rates
Dakshin Bihar Gramin Bank FD Interest Rates
DBS Bank FD Interest Rates
Dena Bank FD Interest Rates
Dhanlaxmi Bank FD Interest Rates
Equitas Small Finance Bank FD Interest Rates
ESAF Small Finance Bank FD Interest Rates
Fixed Deposit Account Advantages and Disadvantages
HDFC Bank FD Interest Rates
HSBC FD Interest Rates
ICICI Bank FD Interest Rates
IDBI Bank FD Interest Rates
IDFC First Bank FD Interest Rates
Indian Bank FD Interest Rates
Indian Overseas Bank FD Interest Rates
IndusInd Bank FD Interest Rates
Karnataka Bank FD Interest Rates
Kerala Gramin Bank FD Interest Rates
Kotak Mahindra Bank FD Interest Rates
Lakshmi Vilas Bank FD Interest Rates
Nainital Bank FD Interest Rates
Odisha Gramya Bank FD Interest Rates
Paschim Banga Gramin Bank FD Interest Rates
Paytm Payments Bank FD Interest Rates
PNB FD Interest Rates
Prathama UP Gramin Bank FD Interest Rates
RBL Bank FD Rates
Saurashtra Gramin Bank FD Interest Rates
SBI FD Interest Rates
Shriram Finance FD Interest Rates
State Bank of Hyderabad FD Interest Rates
State Bank of Mysore FD Interest Rates
State Bank of Travancore FD Interest Rates
Syndicate Bank FD Interest Rates
Tamil Nadu Grama Bank FD Interest Rates
Telangana Grameena Bank FD Interest Rates
Tripura Gramin Bank FD Interest Rates
UCO Bank FD Interest Rates
Ujjivan Small Finance Bank FD Interest Rates
Union Bank of India FD Interest Rates
Uttar Bihar Gramin Bank FD Interest Rates
Uttarakhand Gramin Bank FD Interest Rates
Vijaya Bank FD Interest Rates
Yes Bank FD Interest Rates
Allahabad Bank FD Calculator
Andhra Bank FD Calculator
AU Bank FD Calculator
Axis Bank FD Calculator
Bajaj Finance FD Calculator
Bandhan Bank FD Calculator
Bank of Baroda FD Calculator
Bank of India FD Calculator
Bank of Maharashtra FD Calculator
Canara Bank FD Calculator
Central Bank FD Calculator
Corporation Bank FD Calculator
Equitas Small Finance Bank FD Calculator
HDFC Bank FD Calculator
ICICI Bank FD Calculator
IDBI Bank FD Calculator
IDFC Bank FD Calculator
Indian Bank FD Calculator
Indian Overseas Bank FD Calculator
IndusInd Bank FD Calculator
Karnataka Bank FD Calculator
Karur Vysya Bank FD Calculator
Kotak Bank FD Calculator
Mahindra Finance FD Calculator
OBC Bank FD Calculator
Odisha Gramya Bank FD Calculator
PNB Bank FD Calculator
SBI FD Calculator
Shriram Finance FD Calculator
Syndicate Bank FD Calculator
Tripura Gramin Bank FD Calculator
UCO Bank FD Calculator
Union Bank FD Calculator
Yes Bank FD Calculator
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 8.50% p.a. for general citizens and 9.00% 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 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.
Jana Small Finance Bank offers various types of Fixed Deposit (FD) schemes to cater to the diverse needs of customers.
The key features of the Jana SFB Regular Fixed Deposit Scheme are as follows:
High-Interest Rates: The interest rate on Jana Small Finance Bank Regular FD interest rates are as high as 8.50% p.a. for the general public and 9.00% p.a. for senior citizens
Interest Compounding: The interest is compounded annually.
Tenure: The tenure ranges from 7 days to 10 years.
Fixed Deposit Amount: Rs. 1000 – No Limit
Premature Withdrawal: Premature withdrawal is allowed with payment of a small penalty.
Taxation: The interest earned on Jana Small Finance Bank Regular FDs is taxable as per the Income Tax Act, 1961.
Jana Small Finance Bank Tax Saver Fixed Deposit Schemes offers the following features to its customers:
Interest Rate: The interest rate is 6% p.a. for the general public and 6.50% p.a. for senior citizens.
Tenure: The tenure of these FDs is 5 years.
Tax Saver Fixed Deposit Limit: Rs. 1000 – Rs. 1.5 lakhs
Premature Withdrawal: Premature withdrawal from a Jana Small Finance Bank Tax Saver FD is not allowed.
Taxation: 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.
Let us have a look at the main features of the Jana Small Finance Bank FD Plus Scheme from the list mentioned below:
Interest:The interest rate on Jana Small Finance Bank FD Plus ranges from 3.85% to 8.60% p.a. for the general public and 7% to 9% p.a. for senior citizens. The interest is compounded annually.
Tenure: The tenure of Jana Small Finance Bank FD Plus ranges from 7 days to 10 years.
Fixed Deposit Amount: Rs. 15,00,001 – No Limit
No Premature Withdrawal: Premature withdrawal of a Jana Small Finance Bank FD Plus is not allowed.
Taxation:The interest earned on Jana Small Finance Bank FD Plus is taxable as per the Income Tax Act, 1961.
Jana Small Finance Bank interest rates calculator is an easy-to-use, hassle-free tool that helps in the quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure.
By entering the following basic details, you can calculate the correct FD amount using an FD Calculator:
Rate of Interest (for the selected tenure)
Tenure of the FD Account
Compounding Period (i.e. yearly, half-yearly, quarterly, or monthly)
Once you enter these details, the FD calculator will automatically display the following data:
Total Interest Earned
The following new and existing customers are eligible to apply for the Jana Small Finance Bank FD Scheme:
Hindu Undivided Family (HUF)
Registered and Unregistered Bodies
Non-Government Organisations (NGOs)
Private Limited Organisations
The essential documents required for Jana Small Finance Bank FD Scheme are listed in the table mentioned below:
You can follow the methods mentioned below to join the Jana Small Finance Bank Fixed Deposit Scheme:
To apply for Jana Small Finance Bank services, visit your nearest branch, and the Relationship Manager of Jana Small Finance Bank will assist you with the application process.
Alternatively, you can contact their Customer Care Executive via phone, who will schedule a service appointment with the Relationship Manager to guide you through the application process.
A few things about FD rates that one must know about are:
No Premature Withdrawal Option: When opening an FD account, one can also select the "No Premature Withdrawal" facility.
Penalty Charges on Premature Withdrawal: If you withdraw the FD amount prematurely, you will get an applicable interest rate for the period until the deposit is kept minus the premature withdrawal penalty rate.
The penalty rates are as follows:
Fixed Deposits < Rs.200 lakhs: 0.5 %
Fixed Deposits of Rs 200 lakhs & Above 1 %
Non-Cumulative Fixed Deposits: The rate of interest for non-cumulative FDs is calculated as per the simple interest.
Interest Payouts: The interest payouts are as per the financial year.
The different payout options that follow accordingly are calculated as follows:
Monthly Interest Payouts- On the 1st of every month
Quarterly Interest Payouts- On the 1st of every quarter.
Half-yearly Interest Payouts- On 1 October and 1 April.
Annual Interest Payouts- On 1 April, irrespective of the date of booking of the fixed deposit account.
FD Interest Tenure Calculation: The Jana Small Finance Bank FD rate tenure deposit is calculated based on 365 days for a non-leap year and 366 days for a leap year for deposits less than Rs 2 Crore.
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.
Suryoday Small Finance Bank: 9.10% p.a. for the general public and 9.60% p.a. for senior citizens
Unity Small Finance Bank: 9.00% p.a. for the general public and 9.50% p.a. for senior citizens
Jana Small Finance Bank: 8.50% p.a. for the general public and 9.00% p.a. for senior citizens
*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
Rate of Interest (Yearly)
24 Nov 2023A Tax Saving Fixed Deposit is a financial instrument designed to
31 Aug 2023Banks in India play an important role in the country's financial
14 Aug 2023Karur Vysya Bank or KVB FD interest rates range from 4.00% to
10 Jul 2023एचडीएफसी एफडी ब्याज
18 Apr 2023Savings and emergency funds are two crucial aspects of financial