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Jana Small Finance Bank offers a wide range of Fixed Deposit (FD) schemes to cater to diverse customers, including individuals, minors, proprietorships, HUFs (Hindu Undivided Families), cooperative societies, trusts, partnerships, NGOs, and private limited organizations.
Depositors can select from a variety of tenure options ranging from 7 days to 10 years, allowing them to tailor their investments to their financial goals.
Jana Small Finance Bank’s Tax-Saving Fixed Deposit is ideal for those looking to save taxes while earning attractive returns.
With competitive interest rates, flexible tenure options, and special benefits for senior citizens, Jana Small Finance Bank FDs are designed to meet both short-term and long-term financial goals.
Whether you're an individual investor or an organization, Jana Small Finance Bank provides reliable and rewarding FD options to help grow your savings securely.
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 4.25% to 8.75% |
Public Interest Rates | 3.75% to 8.25% |
Highest Interest Rates for Public | 8.25% p.a. |
Highest Interest Rates for Senior Citizens | 8.75% p.a. |
Premature Withdrawal |
|
Minimum Deposit Amount | Rs 1000 |
The table below displays Jana Small Finance Bank FD rates for 2025 for general customers. Below interest rates are applicable for deposits less than 2 crore.
Tenure | FD Rates |
| 7-14 days | 3.00% |
| 15-60 days | 4.25% |
| 61-90 days | 5.00% |
| 91-180 days | 6.50% |
| 181-364 days | 8.00% |
| 365 days | 8.50% |
| More than 1 year and less than 2 years | 8.25% |
| More than 2 years and less than 3 years | 7.50% |
| More than 3 years to less than 5 years | 7.25% |
| 5 years | 7.25% |
| More than 5 years to 10 years | 6.50% |
* Interest rates updated as of 27 Feb 2024.
The table below will take you through Jana Bank FD rates for senior citizens. Below interest rates are applicable for deposits less than 2 crore.
Tenure | FD Rates |
| 7-14 days | 3.50% |
| 15-60 days | 4.75% |
| 61-90 days | 5.50% |
| 91-180 days | 7.00% |
| 181-364 days | 8.50% |
| 365 days | 9.00% |
| More than 1 year and less than 2 years | 8.75% |
| More than 2 years and less than 3 years | 7.75% |
| More than 3 years to less than 5 years | 7.75% |
| 5 years | 7.75% |
| More than 5 years to 10 years | 7.00% |
* Interest rates updated as of 27 Feb 2024.
Here are the fixed deposit schemes that Jana Small Finance Bank offers to its customers. read through it to understand the most suitable scheme for you to invest your money in.
FD Plus
Focused on long-term capital growth, this scheme is open to individuals, businesses, and organizations. Minimum deposit: ₹1 crore for individuals/HUFs and ₹15 lakh for others. Tenure ranges from 7 days to 10 years, with higher interest rates (3% - 8.50% p.a.). Premature withdrawal is allowed only in exceptional cases (death or regulatory orders).
Tax Saving FD
Provides tax deductions up to ₹1.5 lakh under Section 80C. Deposit range: ₹100 to ₹1.5 lakh. Fixed 5-year lock-in; no premature withdrawal or loans permitted.
Deposits of ₹2 Crore and Above
Designed for HNIs, corporates, and government organizations. Minimum deposit: ₹2 crore, with a tenure starting at 7 days.
Senior Citizen FD
For individuals aged 60+, offering 0.50% higher interest rates than the general public. Tenure: 7 days to 10 years.
The minimum investment amount for this scheme is Rs. 1000 and the bank has not set any upper limit for Senior Citizen FD investment amount.
The lowest and highest Jana Small Finance Bank FD rates for regular citizens are 3% and 8.50% per annum respectively. For senior citizens, the lowest and highest FD rates are 8.50% and 9% p.a. respectively
Jana Small Finance Bank allows premature withdrawal of fixed deposits. However, you would need to pay premature withdrawal charges to withdraw the amount before tenure ends. The premature withdrawal charges are as follows.
Tax Saver FD and TDS Rules at Jana Small Finance Bank
By investing in the Tax Saver FD, you can claim tax deductions up to ₹1.5 lakh under Section 80C of the Income Tax Act.
TDS on FD Interest:
Ensure to provide your PAN at account opening to avoid higher TDS deductions.
Now that you know everything about Jana Small Finance Bank FD rates, you are ready to start a fixed deposit with this bank. Before opening an FD account, consider calculating your maturity amount beforehand to have a clear idea of your investment amount and tenure for fixed deposit. You can use the FD calculator for that.
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