Jana Small Finance Bank FD Interest Rates (p.a.) Highlights 2022 | |
Highest slab rate | 7.00% (for above 2 years to 5 years) |
For 1 year | 6.50% |
For 2 year | 6.50% |
For 3 year | 6.75% |
For 4 year | 6.75% |
For 5 year | 6.75% |
Tax-Saving FD | 6.75% |
Jana Small Finance Bank FD Interest Rates 2022
FD Interest Rates on Domestic Deposits of less than Rs 2 crore w.e.f. 5 May, 2022
Tenure | Interest Rates (% p.a.) | |
Regular Citizens | Senior Citizens | |
7 − 14 days | 2.50 | 3.30 |
15 − 60 days | 3.00 | 3.80 |
61 – 90 days | 3.75 | 4.55 |
91 – 180 days | 4.50 | 5.30 |
181 – 364 days | 5.50 | 6.30 |
1 year (365 days) | 6.50 | 7.30 |
Above 1 year – 2 years | 6.50 | 7.30 |
Above 2 years – 3 years | 6.75 | 7.55 |
Above 3 years – less than 5 years | 7.00 | 7.80 |
5 years (1825 days) | 6.75 | 7.55 |
Above 5 years – 10 years | 6.00 | 6.80 |
Jana Bank Tax Saver Deposit
Tenure | Regular Citizens | Senior Citizens |
5 years (1825 days) | 6.75% | 7.55% |
Types of Jana Finance FD Schemes
Regular Fixed Deposit
- Minimum deposit amount: Rs 1,000
- Monthly/half-yearly/quarterly/yearly payout options are available
- Interest is calculated on 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 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 1st April.
Tax Saver Fixed Deposit
- Deposits under this scheme are eligible for 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 interest rates are offered to senior citizens
FD Plus/FD with no Premature withdrawal
- Depositor can earn higher interest rate over and above the bank’s regular FD rate
- Minimum amount: above Rs 15 lakhs
- Tenure: 7 days to 10 years
- Auto renewal facility is not available
- Interest is calculated on simple interest basis for all non-cumulative FDs
Deposit of 2 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 2 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 deposit has been booked or interest rate applicable for the period of deposit for which the FD remained with the bank, whichever is lower:
- FD less than Rs 2 crore – 0.5%
- FD Rs 2 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

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Jana Small Finance Bank FD Calculator
If you are in complete confusion about your fixed deposit investment, then you can use a FD calculator at Paisabazaar.com which can help you make a more informed decision. If you wish to check the maturity amount of your fixed deposit, you will be required to only provide the amount that you wish to deposit, Jana Bank FD rate and preferred deposit tenure to check how much will your deposit will be worth at maturity.