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Jana Small Finance Bank has been recognised as a scheduled bank by the RBI, which makes its depositors eligible for deposit insurance provided by the Depositor Insurance and Credit Guarantee Corporation (DICGC). The deposit insurance cover from DICGC, an RBI subsidiary, insures cumulative deposits up to Rs 5 lakh made by each depositor, including his fixed deposits, savings, current, and recurring deposits, in each scheduled bank in case of the failure or merger/amalgamation of a scheduled bank.
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Jana Small Finance Bank FD Interest Rates (p.a.) Highlights |
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| Highest slab rate | 7.77% (for above 3 years to 5 years) |
| For 1 year | 7.00% |
| For 2 years | 7.25% |
| For 3 years | 7.50% |
| For 4 years | 7.77% |
| For 5 years | 7.77% |
| Tax-Saving FD | 7.77% |
The interest rates are updated as of 27 January 2026
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
Jana Small Finance Bank FD Interest Rates
FD Interest Rates on Domestic/NRO/NRE Deposits of less than Rs 10 lakh w.e.f. 10 January 2026
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 − 14 days | 4.50 | 4.50 |
| 15 − 60 days | 5.25 | 5.25 |
| 61 – 90 days | 5.25 | 5.25 |
| 91 – 120 days | 5.77 | 5.77 |
| 121 – 180 days | 6.00 | 6.00 |
| 181 – 270 days | 6.50 | 7.00 |
| 271 – 365 days | 7.00 | 7.50 |
| Above 1 year – 2 years | 7.25 | 7.75 |
| Above 2 years – 3 years | 7.50 | 8.00 |
| Above 3 years – less than 5 years | 7.77 | 7.77 |
| 5 years (1825 days) | 7.77 | 7.77 |
| Above 5 years – 10 years | 6.50 | 7.00 |
Note: 1. The minimum tenure of NRE deposits is 1 year
2. Additional senior citizen FD rates are offered only on domestic deposits tenures of 7 days to 10 years, except for 5-year tenure.
Jana Bank Tax Saver Deposit
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 5 years (1825 days) | 7.77 | 7.77 |
Types of Jana Bank FD Schemes
Regular Fixed Deposit
- Minimum deposit amount: Rs 1,000
- Monthly/half-yearly/quarterly/yearly payout options are available
- Interest is calculated on a simple interest basis for all non-cumulative FDs
- Interest payouts are as per financial year, irrespective of the date of booking:
- Monthly Interest payouts will be on the 1st of every month,
- Quarterly Interest payouts will be on the 1st of every quarter,
- Half-yearly payouts will be on 1st October & 1st April and
- Annual interest payouts will be on the 1st April
Tax Saver Fixed Deposit
- Deposits under the Tax Saving FD scheme are eligible for a tax deduction of up to Rs 1.5 lakh under Section 80C in each financial year
- Deposit amount: Minimum – Rs 100; Maximum – Rs 1.5 lakh
- Tenure: 5 years (1825 days) (Lock-in period)
- Additional senior citizen FD rates (0.50% p.a.) are offered over regular FD rates
Liquid Plus Fixed Deposit
- Liquid Plus Fixed Deposit is a type of short-term fixed deposit with tenure ranging from 7 days to 180 days
- Deposit amount: Minimum – Rs 10 lakhs; Maximum – less than Rs 3 crore
- Deposit amount in case of bulk fixed deposits: Minimum – Rs 3 crore; Maximum – up to Rs 200 crores
- No additional interest rates are offered to senior citizen FD depositors
- Depositors can avail overdraft facility against their fixed deposits
- Interest is calculated on a simple interest basis for all non-cumulative FDs
- Interest payouts are as per financial year, irrespective of the date of booking:
- Monthly Interest payouts will be on the 1st of every month,
- Quarterly Interest payouts will be on the 1st of every quarter,
- Half-yearly payouts will be on 1st October & 1st April and
- Annual interest payouts will be on the 1st April
FD Plus/FD with no Premature withdrawal
- Depositors can earn higher FD rates over and above the bank’s regular FD interest rate
- Minimum amount: Above Rs 15 lakhs
- Tenure: 7 days to 10 years
- Auto-renewal facility is not available
- Interest is calculated on a simple interest basis for all non-cumulative FDs
Deposit of Rs 3 crore & above
- This FD scheme is designed especially for corporates, HNIs, SSO, and government institutions to earn substantial returns on their high-value deposits
- Minimum deposit amount: Rs 3 crore
- Minimum Tenure: 7 days
Premature Withdrawal of Fixed Deposits – Penalty Charges
- Interest will be paid after deducting the penal rate from the applicable rate. The applicable rate would be the original/contracted tenure for which the deposit has been booked or the interest rate applicable for the period of deposit for which the FD remained with the bank, whichever is lower:
- FD less than Rs 3 crore – 0.5%
- FD Rs 3 crore or more – 1%
- Pre-mature withdrawal of the FD Plus deposit is allowed only in case of death of the account holder or on order from regulatory and/or statutory authority.
- No premature withdrawal is allowed in Tax Saver Fixed Deposit
- The premature/partial withdrawal of the liquid plus fixed deposit is allowed. The FD interest will not be paid at the originally contracted rate. The interest shall be paid at the applicable interest rate for the tenure for which the deposit is maintained with the bank.
Jana Small Finance Bank FD Calculator
Jana Small Finance Bank has not provided an FD calculator on its website. Hence individuals planning to open a fixed deposit with a Jana Small Finance Bank can visit Paisabazaar or other online financial marketplaces and use their FD Calculator to calculate the maturity amount based on the deposit amount, tenure, and Jana Small Finance Bank FD rates.