Jana Small Finance Bank Fixed Deposit Scheme
Jana Small Finance Bank offers a variety of products for investments. One of the primary products that they offer is the Fixed Deposit or Term Deposit. You can avail the fixed deposit accounts under 3 different schemes.
The FD accounts can be opened for a period of 7 days to 10 years. The rates of interest available for the FD accounts range from 3.00% p.a. to 8.25% p.a. Senior citizens are eligible to get an additional 0.50% on all the tenures.
Types of Jana Small Finance Bank Fixed Deposits
The different types of Fixed Deposit schemes offered by the bank are as follows:
- Regular Fixed Deposit Scheme
- FD Plus Scheme
- Tax Saver FD Scheme
1) Features of Jana Small Finance Bank Regular Fixed Deposit Scheme
The features of the Jana Small Finance Bank Regular Fixed Deposit Scheme can be summed up as follows:
- Lucrative rates of interest
- Deposits start at just Rs.1,000
- Convenient transactions through the mobile banking application
- Cumulative and non-cumulative interest pay-out options available
2) Features of Jana Small Finance Bank FD Plus Scheme
The features of the Jana Small Finance Bank FD Plus Scheme can be summarised as follows:
- Lucrative rates of interest which is higher than the Regular FD Scheme rates
- Premature withdrawal is not allowed
- Minimum deposit amount for the FD Plus Scheme is Rs.15,00,001
- Flexibility in tenure - 7 days to 10 years
3) Features of Jana Small Finance Bank Tax Saver Fixed Deposit Scheme
The features of the Jana Small Finance Bank Tax Saver Fixed Deposit Scheme can be listed as follows:
- Lucrative rates of interest
- Premature withdrawal is not allowed
- Minimum deposit amount for the scheme is Rs.100
- Maximum deposit amount for the scheme is Rs.1.5 lakh (for respective financial year only)
- Tenure of 1,825 days or 5 years.
Jana Small Finance Bank Fixed Deposit Schemes Interest Rates
Jana Small Finance Bank Regular Fixed Deposit Scheme:
Jana Small Finance Bank FD rates for regular fixed deposit scheme is given below:
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% |
More than one Year - 2 Year(730 Days) | 8.25% | 8.75% |
More than two Years - 3 Years(1095 Days) | 8.25% | 8.75% |
More than three Year – less than five Years | 7.25% | 7.75% |
5 Years(1825 Days) | 7.25% | 7.75% |
More than 5 Years - 10 Years | 6.50% | 7.00% |
Note: The rates are effective as of 2 July 2024.
Who is eligible to apply for Jana Small Finance Bank FD Schemes?
- Existing customers
- New customers
- Individuals
- Trusts
- Minors
- NGOs
- Proprietorship
- HUFs
- Registered bodies
- Cooperative societies
- Unregistered bodies
- Private limited companies, and so on.
Documents Required to apply for Jana Small Finance Bank FD
The following documents are required for individuals:
- Aadhaar card or proof of application of Aadhaar enrolment
- Passport sized photographs of the customer
- PAN
- Form 60
- FATCA Declaration
Small Finance Bank FD Ratets
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FAQs on Jana Small Finance Bank Fixed Deposit Schemes
- How do I apply for a FD account with the Jana Small Finance Bank?
You can either visit the nearest branch office of the bank and seek the help of a Relationship Manager to go through the process or you can simply get in touch with the bank through the customer care through which a Customer Care Executive will schedule a meeting with a Relationship Manager.
- How can I get in touch with the customer care of the Jana Small Finance Bank?
You can get in touch with the customer care of the Jana Small Finance Bank using any one of the following methods:
- Toll free number: 1800 2080
- Email ID: customercare@janabank.com
- Registered office number: 080 4602 0100
- What is the minimum and maximum deposit amount for the FD Plus Scheme?
The minimum deposit amount for the Jana Small Finance Bank FD Plus Scheme is Rs.15 lakh. There is no cap on the maximum amount.
- What is the product code for the Jana Small Finance Bank FD Plus Scheme?
The product code for the Jana Small Finance Bank FD Plus Scheme is '411'.
- Can I choose between the cumulative and non-cumulative options for the FD Plus Scheme?
No, currently you are not allowed to choose between the cumulative and non-cumulative options for the FD Plus Scheme.
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