Jana Small Finance Bank FD Interest Rates

The Jana Small Finance Bank brings to its customers competitive FD rates to ensure the steady growth of their savings. The eligible customers include individuals, minors, proprietorships, HUF, registered and unregistered bodies, cooperative societies, trusts, partnerships, NGOs, and private limited organizations. Jana Small Finance Bank offers multiple benefits and features to its fixed deposit customers.

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Compare FD Interest Rates of Top Financial Institutions
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%
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Let us learn about these FD rates in detail.

Features of the Jana Small Finance Bank FD 

Listed below are some prominent features of Jana Small Finance Bank FD:

  • The Jana Small Finance Bank is noteworthy for its attractive fixed deposit interest rates and payout options for multiple interest rates. 

  • One can start a fixed deposit account with an annual amount as low as Rs.1, 000.

  • On opening the account, one can make use of the mobile banking app and avail of its online facilities.

  • The customer can choose from multiple payout alternatives such as cumulative or non-cumulative in monthly, quarterly, half-yearly, or yearly payouts. 

  • When opening an FD account, one can also select the facility of the "No Premature Withdrawal” option.

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Jana Small Finance Bank Fixed Deposit Interest Rates 2023

The FD interest rates per annum, for regular and senior citizens, on Fixed Deposits below Rs. 2 crores are as follows:

Period Regular FD Interest Rate (p.a.) Senior Citizen FD Interest Rate (p.a.)*
7-14 days 3.75% 4.70%
15-60 days 4.25% 5.20%
61-90 days 5.25% 6.20%
91-180 days 5.50% 6.45%
181-364 days 7.00% 7.95%
1 Year[365 Days] 7.25% 8.20%
> 1 Year - 2 Years 7.50% 8.45%
> 2 Years-3 Years 7.85% 8.80%
> 3 Year- < 5 Years 7.35% 8.30%
5 Years[1825 Days] 7.25% 8.20%
> 5 Years - 10 Years 6.00% 6.95%

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 account.

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About Jana Small Finance Bank Fixed Deposit Interest Rate Calculator

Jana Small Finance Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:

  • The amount that is invested

  • The Rate of Interest offered

  • The tenure of the Fixed Deposit Account

  • The compounding period, that is, yearly, half-yearly, quarterly, or monthly

  • The FD Amount

Once entered the following details, an investor will come to know:

  • The maturity value of the FD

  • The total interest earned during the complete tenure

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Things to Know

A few things about FD rates that one must know about are:

  • For premature withdrawal of deposited amount, the customer will not get the interest at the originally contracted rate. Instead, they will get an applicable rate of interest for the period till which the deposit was kept minus premature withdrawal penalty rate as follows:

    • Fixed deposit less than Rs.200 lakhs at 0.5 %

    • Fixed deposits at Rs 200 lakhs or greater than the same at 1 %.

  • For the Non-cumulative fixed deposits, the rate of interest is calculated as per the simple interest. 

  • The interest payouts are as per the financial year. The different payout options that follow accordingly are calculated as follows:

    • Monthly interest payouts will be on the first of every month.

    • Quarterly interest payouts will be on the first of every quarter.

    • Half-yearly interest payouts will be on the first of October and the first of April.

    • Annual interest payouts will be the first of April, irrespective of the date of booking of the fixed deposit account.

  • 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.

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Summing it Up

Despite the various features mentioned above, a customer must also conduct some research about different factors affecting the interest rates like government policies or RBI guidelines. Investing in fixed deposits is especially useful for those who wish to grow money without market risks. Notably, the scheme is open to all Indian citizens.

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