Jana Small Finance Bank FD Rates 2025

Jana Small Finance Bank is the largest Micro Finance Institution (MFI) in India. The bank offers regular fixed deposits as well as 'FD Plus' fixed deposits. The interest rates offered by the bank range from 3.00% p.a. to 8.50% p.a. for tenures ranging from 7 days to 10 years. 

Updated On - 03 Oct 2025

The highest FD interest rate offered by the bank to the general public is 8.50% p.a. on term deposits opened for a tenure of 2 years to 3 years. Meanwhile, senior citizens are offered an additional interest of 0.50% p.a. on all fixed deposit tenures.

Interest Rates for Regular Fixed Deposits below Rs.2 Crore

Tenure 

Regular FD Interest Rate (p.a.) 

Senior Citizen FD Interest Rate (p.a.) 

7-14 Days 

3.00% 

3.50% 

15-60 Days 

4.25% 

4.75% 

61-90 Days 

5.00% 

5.50% 

91-180 Days 

6.50% 

7.00% 

181-364 Days 

8.00% 

8.50% 

365 Days 

8.25% 

8.75% 

> 1 Year - 2 Year(730 Days) 

8.25% 

8.75% 

> 2 Years - 3 Years(1095 Days) 

8.25% 

8.75% 

> 3 Year - < 5 Years 

7.25% 

7.75% 

5 Years(1825 Days) 

7.25% 

7.75% 

> 5 Years - 10 Years 

6.50% 

7.00% 

Note: The rates are effective as of 2 July 2024

In case you want to opt for premature withdrawal, you will need to pay a penalty which is applicable on the rate of interest for the duration of the deposit. Here are the penalty rates:

  1. For fixed deposits of less than Rs.2 crore - 0.5%.
  2. For fixed deposits equal to greater than Rs.2 crore - 1%.

Interest Rates for 'FD Plus' Deposits (No Premature Withdrawal Facility)

Tenure 

< 3 Crores 

3 Crores - 5 Crores 

>5 Crores - 10 Crores 

>10 Crores - 25 Crores 

>25 Crores-50 Crores 

7-14 Days 

3.10% 

3.05% 

3.05% 

3.05% 

3.05% 

15-30 Days 

4.35% 

4.30% 

4.30% 

4.30% 

4.30% 

31-45 Days 

4.35% 

4.30% 

4.30% 

4.30% 

4.30% 

46-60 Days 

4.35% 

4.30% 

4.30% 

4.30% 

4.30% 

61-90 Days 

5.10% 

5.05% 

5.05% 

5.05% 

5.05% 

91-180 Days 

6.60% 

6.30% 

6.30% 

6.30% 

6.30% 

181-364 Days 

8.10% 

7.05% 

7.05% 

7.05% 

7.05% 

365 Days 

8.35% 

7.30% 

7.30% 

7.30% 

7.30% 

> 1 Year - 2 Years(730 Days) 

8.45% 

8.05% 

8.05% 

8.05% 

8.05% 

> 2 Years - 3 Years(1095 Days) 

8.35% 

8.05% 

8.05% 

8.05% 

8.05% 

Note: The rates are effective as of 9 August 2024

Jana Small Finance Bank Bulk Deposit Rates

Tenure 

3 Crores - 5 Crores 

>5 Crores  

>5 Crores - 10 Crores 

>10 Crores-25 Crores 

7-14 Days 

3.00% 

3.00% 

3.00% 

3.00% 

15-30 Days 

4.25% 

4.25% 

5.25% 

4.25% 

31-45 Days 

4.25% 

4.25% 

4.25% 

4.25% 

46-60 Days 

4.25% 

4.25% 

4.25% 

4.25% 

61-90 Days 

5.00% 

5.00% 

5.00% 

5.00% 

91-180 Days 

6.25% 

6.25% 

6.25% 

6.25% 

181-364 Days 

7.00% 

7.00% 

7.00% 

7.00% 

365 Days 

7.25% 

7.25% 

7.25% 

7.25% 

> 1 Year - 2 Year(730 Days) 

8.35% 

8.00% 

8.00% 

8.00% 

> 2 Years - 3 Years(1095 Days) 

8.25% 

8.25% 

8.25% 

8.25% 

Note: The rates are effective as of 16 August 2024. 

How to Apply for Jana Small Finance Bank Fixed Deposit

You can visit the nearest branch of Jana Small Finance Bank to open a fixed deposit. You can also contact the bank online following which you can get a service appointment with the bank's relationship manager.

Jana Small Finance Bank FD Eligibility Criteria

  1. Existing as well new customers can open an FD account with Jana Small Finance Bank.
  2. Customers such as Individuals, Partnerships, NGOs, Proprietorship, Minors, HUF (Hindu Undivided Family), Registered and Unregistered Bodies, Cooperative Societies, Private Limited Organizations, and Trusts can open an FD with the bank.

Documents Required to Apply for Jana Small Finance Bank FD

In order to open a fixed deposit, you will need to complete the KYC check with the bank. Identification proof such as PAN or Aadhaar have to be submitted.

Fixed deposit is a popular form of investment mode as it offers guaranteed returns. It is advised to compare the interest rates of different banks before selecting the one that is suitable for you.

FAQs on Jana Small Finance Bank FD

  • Can I open a fixed deposit less than Rs.2 crore?

    Yes, you can open a fixed deposit of less than Rs.2 crore.

  • Do I need to be an existing customer of the bank to open a Jana Small Finance Fixed Deposit?

    No, existing as well new customers can open a fixed deposit account with Jana Small Finance Bank.

  • Is there any penalty applicable for the fixed deposit?

    Yes, penalty will be imposed for premature withdrawal of your fixed deposit.

  • What is the maximum tenure for this fixed deposit?

    You can open a fixed deposit for up to 10 years.

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