Unlock the Power of Your Savings with Jana Small Finance Bank's Fixed Deposits!

Welcome to a world of financial possibilities, where your dreams can grow as your savings do. At Jana Small Finance Bank, we understand that your hard-earned money deserves the best, and that's why we bring you our Fixed Deposits, with unbeatable rates.

Why choose us? Because when you deposit your trust with Jana, you're not just investing money; you're investing in a brighter tomorrow.

FD Interest Rates

Tenure

  • 7-14 Days
  • 15-60 Days
  • 61-90 Days
  • 91-180 Days
  • 181-364 Days
  • 365 Days
  • > 1 Year - 2 Year(730 Days)
  • > 2 Years - 3 Years(1095 Days)
  • > 3 Year - < 5 Years
  • 5 Years(1825 Days)
  • > 5 Years - 10 Years

Regular FD Interest Rate (p.a.)

  • 3.00%
  • 4.25%
  • 5.00%
  • 6.50%
  • 8.00%
  • 8.25%
  • 8.25%
  • 8.25%
  • 7.25%
  • 7.25%
  • 6.50%

Senior Citizen FD Interest Rate (p.a.)

  • 3.50%
  • 4.75%
  • 5.50%
  • 7.00%
  • 8.50%
  • 8.75%
  • 8.75%
  • 8.75%
  • 7.75%
  • 7.75%
  • 7.00%

Feature & Benefits

High Interest Rates*

Up to 8.75% p.a. for senior citizens and 8.25% p.a. for Regular FD

Low Deposit Amounts*

Open a FD with an amount as low Rs 1,000

Flexible Pay-out Option*

Choose a convenient interest pay-out option between monthly, half-yearly, or yearly options.

Mobile Banking App

Transact conveniently through our mobile banking app

Terms and Conditions:

  1. The interest is computed based on the actual number of days in a year i.e. 365 days for a non-leap year and366 daysfor a leap year. The tenor of Deposit is calculated in number of days.
  2. The above cardrates are applicable to depositsless than INR 3 Crore.
  3. Minimum tenure for NRE fixed deposits is 1 year and no interest rate is payable for deposits prematurely withdrawn within the period of 1 year from the date of the deposit.
  4. Only Resident Indian Senior Citizens (of 60 years and above age) are eligible for the above mentioned Senior Citizen Interest rate specified. The special rates are applicable only for Resident deposits
  5. Interest earned on NRO fixed deposits are taxable as per applicable rates according to Income Tax Act 1961 as amended from time-to-time.
  6. In case of NRE deposit no interest will be paid if the NRE Deposit is liquidated before the completion of 1 year from the date of booking.
  7. The maximum amount is INR 1.5 Lakhsfor Tax Saver FD.
  8. Sr. Citizen Preferential rate is applicable for Tax Saver FD. The lock-in period for Tax Saver FD shall be 5 Years(1825Days) and no premature withdrawal will be allowed during lock-in period.
  9. In case of premature withdrawal of the deposit, interest will not be paid at the originally contracted rate. In such cases interest will be paid at the applicable rate of interest for the duration which the deposit is maintained with us minus premature withdrawal penal rate as follows:
    1. FixedDeposit less thanINR 300 Lakhs –0.5%
    2. Fixed Deposits greater than or equal to INR 300 Lakhs - 1%
  10. For all Non-Cumulative Fixed Deposits, interest is calculated on Simple interest basis. Interest payouts are as per financial year: Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half-yearly payouts will be on 1stOctober & 1st April and Annual interest payouts will be on 1st April irrespective of the date of booking.
  11. In case of premature withdrawal of fixed deposit: The Interest rate applicable for premature closure will be lower of the rate for the original /contracted tenure for which the deposit has been booked OR the rate as prevailing on the date of deposit for the tenure for which the of deposit has been in force with the Bank.
  12. Rates are subject to change from time to time without prior notice.

Awards & Recognitions

image
Best bank - IT Risk Management

(payments & small finance bank category) at the 18th IBA Annual Technology Conference, Expo & Awards 2022. 

image
Best Data Quality Award”

from TransUnion CIBIL Limited, 2023. 

image
Award for Most significant lender

supporting SC entrepreneurs under Ambedkar Young Entrepreneurs League (AYE League), 2022 

Start Your Journey