Jana Small Finance Bank FD Rates 2026
Jana Small Finance Bank Fixed Deposits offer interest rates from 3.50% to 8.00% p.a. for tenures between 7 days and 10 years, with the highest rate paid on deposits held for over 2 years to 3 years. Senior citizens earn up to 0.50% p.a. extra on tenures of 181 days and above.
Interest Rates for Regular Fixed Deposits below Rs.3 Crore
Tenure | Regular FD Interest Rate (p.a.) | Senior Citizen FD Interest Rate (p.a.) |
7 days to 14 days | 3.50% | 3.50% |
15 days to 60 days | 4.25% | 4.25% |
61 days to 90 days | 4.75% | 4.75% |
91 days to 120 days | 5.00% | 5.00% |
121 days to 179 days | 6.00% | 6.00% |
180 days | 6.20% | 6.20% |
181 days to 270 days | 6.50% | 7.00% |
271 days to 366 days | 7.00% | 7.50% |
367 days to 2 years | 7.30% | 7.80% |
Above 2 years to 3 years | 8.00% | 8.30% |
Above 3 years to 5 years | 7.77% | 8.00% |
Above 5 years to 10 years | 6.50% | 7.00% |
Note: The interest rates are effective from 3 August 2026.
Senior citizens do not earn the extra interest rate on tenures from 7 days to 180 days; the preferential rate applies only to tenures of 181 days and above.
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:
- For fixed deposits of less than Rs.3 crore - 1%.
- For fixed deposits equal to greater than Rs.3 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 | >50 Crores |
7 days to 14 days | 4.25% | 4.25% | 4.25% | 4.25% | 4.25% | Contact Branch |
15 days to 30 days | 5.10% | 5.10% | 5.10% | 5.10% | 5.10% | Contact Branch |
31 days to 45 days | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | Contact Branch |
46 days to 60 days | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | Contact Branch |
61 days to 90 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | Contact Branch |
91 days to 120 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | Contact Branch |
121 days to 180 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | Contact Branch |
181 days to 270 days | 6.50% | 6.50% | 6.50% | 6.50% | 6.50% | Contact Branch |
271 days to 364 days | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | Contact Branch |
365 days | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | Contact Branch |
1 year 1 day to 2 years | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% | Contact Branch |
Above 2 years to 3 years | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% | Contact Branch |
Above 3 years to less than 5 years | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | Contact Branch |
5 years to 10 years | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | Contact Branch |
Note: The interest rates are effective from 5 August 2026.
An FD Plus deposit does not offer an auto-renewal facility and cannot be withdrawn prematurely except on the death of the account holder or under a statutory or regulatory directive.
Jana Small Finance Bank Bulk Deposit Rates
Tenure | 3 Crores | >3 Crores - 5 Crores | >5 Crores - 10 Crores | >10 Crores - 25 Crores | >25 Crores - 50 Crores | >50 Crores |
7 days to 14 days | 4.25% | 4.25% | 4.25% | 4.25% | 4.25% | Contact Branch |
15 days to 30 days | 5.10% | 5.10% | 5.10% | 5.10% | 5.10% | Contact Branch |
31 days to 45 days | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | Contact Branch |
46 days to 60 days | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | Contact Branch |
61 days to 90 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | Contact Branch |
91 days to 120 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | Contact Branch |
121 days to 180 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | Contact Branch |
181 days to 270 days | 6.50% | 6.50% | 6.50% | 6.50% | 6.50% | Contact Branch |
271 days to 364 days | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | Contact Branch |
365 days | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | Contact Branch |
1 year 1 day to 2 years | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% | Contact Branch |
Above 2 years to 3 years | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% | Contact Branch |
Above 3 years to less than 5 years | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | Contact Branch |
5 years to 10 years | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | Contact Branch |
Note: The interest rates are effective from 5 August 2026.
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
- Existing as well new customers can open an FD account with Jana Small Finance Bank.
- 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.
- Jana Small Finance Bank also runs a Tax Saver Fixed Deposit that qualifies for a Section 80C deduction and carries a five-year lock-in period, during which premature withdrawal is not allowed.
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.
Summary
Jana Small Finance Bank Fixed Deposits let you invest for tenures from 7 days to 10 years across Regular, FD Plus and Bulk Deposit variants, with senior citizens earning a preferential rate on longer tenures. A Tax Saver FD option is also available for those seeking a Section 80C deduction. Compare the rate tables above and apply for a Jana Small Finance Bank FD that matches your investment horizon.
FAQs on Jana Small Finance Bank FD
1.What is a Jana Small Finance Bank Fixed Deposit?
A Jana Small Finance Bank Fixed Deposit is a lump-sum investment held with the bank for a fixed tenure in exchange for a guaranteed interest payout. Jana Small Finance Bank offers this as a Regular FD as well as an 'FD Plus' variant for larger deposits.
2.What is Jana Small Finance Bank's FD Plus deposit?
Jana Small Finance Bank's FD Plus is a fixed deposit variant that does not allow premature withdrawal in exchange for a different rate structure. It suits depositors who are certain they will not need the funds before maturity.
3.What is a Jana Small Finance Bank Bulk Deposit?
A Jana Small Finance Bank Bulk Deposit is a fixed deposit meant for large-value deposits above the regular FD threshold. Rates for bulk deposits are set separately from the Regular FD and FD Plus rate cards.
4.Who is eligible to open a Jana Small Finance Bank FD?
Individuals, minors through a guardian, HUFs, partnerships, proprietorships, NGOs, cooperative societies, trusts, and registered or unregistered bodies are eligible to open a Jana Small Finance Bank FD. Both existing and new customers of the bank can apply.
5.Do I need to be an existing customer to open a Jana Small Finance Bank FD?
No, you do not need to be an existing customer to open a Jana Small Finance Bank FD. New customers can open a fixed deposit with the bank in the same way as existing account holders.
6.What is the maximum tenure for a Jana Small Finance Bank FD?
The maximum tenure for a Jana Small Finance Bank FD is 10 years. Depositors can choose shorter tenures starting from 7 days depending on their investment goal.
7.What documents are required to open a Jana Small Finance Bank FD?
You need to complete the bank's KYC process to open a Jana Small Finance Bank FD. Identification proof such as PAN or Aadhaar must be submitted along with the application.
8.Is a penalty charged for premature withdrawal of a Jana Small Finance Bank FD?
Yes, a penalty applies if you withdraw a Jana Small Finance Bank FD before maturity. The penalty rate depends on the deposit amount and is applied to the interest earned for the period the deposit was held.
9.Do senior citizens get a better rate on a Jana Small Finance Bank FD?
Yes, senior citizens generally earn a preferential interest rate on a Jana Small Finance Bank FD, though the extra rate applies only from certain tenures onward. Check the rate tables above for the applicable slab.
10.Can NRIs open a Jana Small Finance Bank fixed deposit?
Yes, NRIs can open a Jana Small Finance Bank fixed deposit through the bank's NRO and NRE deposit options. These let non-resident Indians earn interest on income held in India or remitted from abroad.
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