Multiple interest payout options
(monthly/quarterly/half yearly/yearly)
Doorstep Account Opening
| Tenor | FD Plus* | Regular FD**+ | Senior FD***+ | |||
|---|---|---|---|---|---|---|
| Rate | Yield | Rate | Yield | Rate | Yield | |
| 7 − 14 days | 4.50% | 4.50% | 4.50% | 4.50% | 5.10% | 5.10% |
| 15 − 45 days | 5.00% | 5.00% | 5.00% | 5.00% | 5.60% | 5.60% |
| 46 − 60 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.60% | 6.60% |
| 61 − 90 days | 6.25% | 6.25% | 6.25% | 6.25% | 6.85% | 6.85% |
| 91 − 180 days | 7.25% | 7.32% | 7.00% | 7.06% | 7.60% | 7.67% |
| 181 − 364 days | 8.00% | 8.24% | 7.75% | 7.96% | 8.35% | 8.62% |
| 1 year = 365 days | 8.25% | 8.51% | 8.00% | 8.24% | 8.60% | 8.88% |
| > 1 year to < 2 years | 8.50% | 9.16% | 8.25% | 8.87% | 8.85% | 9.57% |
| 2 years to < 3 years | 8.50% | 9.57% | 8.25% | 9.25% | 8.85% | 10.01% |
| 3 years = 1095 days | 8.90% | 10.07% | 8.40% | 9.44% | 9.00% | 10.20% |
| > 3 years − 5 years | 8.50% | 10.46% | 8.25% | 10.09% | 8.85% | 10.61% |
| > 5 years − 10 years | 7.25% | 10.52% | 7.00% | 10.03% | 7.60% | 11.24% |
*FD Plus with No Premature Withdrawal Interest Rate (p.a) on deposit of >15 lakhs.
**Regular FD Interest Rate (p.a) on deposit of < 2 crore.
***Senior Citizen FD Interest Rate (p.a) on deposit of < 2 crore.
Annualised return is calculated for 2 years=730 days tenure for cumulative fixed deposit. Interest is compounded quarterly. Maturity amount rounded-off. The above calculation is for illustration purpose only. Minimum amount for FD plus is INR 15 lakhs. Effective Yield =[ (Total Maturity Pay out/original Principal ) – 1] / Tenor in years. The amount will differ basis the date of account opening. For the correct amount please contact nearest Jana Small Finance Bank.
For interest rates on deposits of INR 2 Crore & above, please contact the nearest branch of Jana Small Finance Bank.
The interest is computed based on the actual number of days in a year i.e. 365 days for a non-leap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days.
+In case of premature withdrawal of the deposit, penalty as follows will be applied on the applicable rate of interest for the duration which the deposit is maintained with us.