Janakalyan Sahakari Bank FD Rates
Janakalyan Sahakari Bank FD rates range from 3.75% to 7.00% p.a. for the general public and up to 7.25% p.a. for senior citizens, across tenures from 7 days to 10 years. The bank, founded in 1974 under an RBI licence, offers monthly, quarterly, and maturity-linked interest payout options across its FD schemes. A 5-year tax-saving FD also qualifies for Section 80C deductions.
The bank has over 55,000 shareholders, over 3,07,000 depositors, and over 8,500 borrowers, demonstrating the bank's reach and the general public's trust. Janakalyan Sahakari Bank offers many FD schemes with attractive interest rates and a wide range of tenures from a week (7 days) to a decade (10 years). By making an investment in a Janakalyan Sahakari Bank FD for a duration of five years or longer, you can also receive tax benefits under section 80C of the ITA.
Janakalyan Sahakari Bank Fixed Deposit Features and Benefits
The numerous benefits and features of Fixed deposits from Janakalyan Sahakari Bank are listed below:
- FD tenures range from 7 days to 10 years.
- FD schemes offer interest rates in monthly or quarterly terms.
- There is a nomination facility.
- There is no maximum limit on the FD amount.
- Senior citizens have access to higher interest rates.
- The bank provides NRE, NRO, and FCNR deposit facilities.
- Flexible FD tenures are offered with competitive interest rates to match your investment strategy.
- There are also part withdrawal and auto-renewal facilities.
- Options for quick and simple liquidity are available.
- Tax benefits of up to Rs.1,50,000 are available through the tax-saving term deposit scheme.
- You can open an FD account online or in person at the Janakalyan Sahakari Bank branch that is closest to you.
Janakalyan Sahakari Fixed Deposit Schemes
- Kalyan Thev Yojana: The Kalyan Thev Yojana scheme quarterly interest is calculated which is paid after maturity.
- Fixed Deposit Quarterly Interest: In this fixed deposit scheme, the interest is calculated quarterly. The interest is directly credited to your account.
- Fixed Deposit Monthly Interest: In this scheme, monthly interest is credited to the customer's account at a discounted rate.
Eligibility for Janakalyan Sahakari Bank Fixed Deposit Scheme
You can open an FD in Janakalyan Sahakari Bank if you are
- Trust
- Any individual
- Non-Resident Indian (NRI)
- Registered Society
- Limited Liability Partnership (LLP)
- Proprietary Firm
- Body of individuals (BOI)
- Partnership Firm
- HUF
- Local authority
- Limited company
- Body of individuals (BOI)
- Association of Persons (AOP)
Janakalyan Sahakari Bank Interest Rates for Fixed Deposits
You can find the Janakalyan Sahakari Bank FD interest rates for various tenures in the table below:
Tenure | Interest rates for General Public (p.a.) | Interest rates for Senior Citizens (p.a.) | Interest rates for High Net Worth Depositors* (p.a.) |
7 days to 29 days | 3.75% | 3.75% | 3.75% |
1 month to 3 months | 4.25% | 4.50% | 4.50% |
91 days to 270 days | 4.75% | 5.00% | 5.00% |
271 days to 1 year | 5.25% | 5.50% | 5.50% |
More than 1 year to 18 months | 7.00% | 7.25% | 7.25% |
More than 18 months to 30 months | 5.50% | 5.75% | 5.75% |
More than 30 months to 60 months | 5.75% | 6.00% | 6.00% |
More than 60 months to 120 months | 5.75% | 6.00% | 6.00% |
5 years- Jankar Bachat Yojana (TAX Benefit) | 5.75% | 5.75% | 5.75% |
Note: The interest rates are effective from 1 April 2025.
*High Net Worth deposits require a minimum single-receipt amount of Rs.1 crore and above.
Documents Required
You will need to provide the following documents:
Identity Proof
You can provide any one of the following documents as proof of your identity.
- PAN card
- Driving Licence
- Passport
- Aadhaar card
- NREGA authorised Job Card
- Voters ID
Address Proof
You can submit any one of the following documents as residence proof.
- Aadhaar card
- Passport
- Voter's ID card
- Driving Licence
- A recent electricity or telephone bill in your name
TDS
Unless Form 15G/Form 15H is submitted at the start of each financial year, TDS will be deducted in accordance with the current law if the total amount of interest exceeds Rs.50,000 (Rs.1,00,000 for senior citizens), as of July 2026.
Summary
Janakalyan Sahakari Bank offers FD schemes for tenures between 7 days and 10 years, with rates up to 7.00% p.a. for the general public and 7.25% p.a. for senior citizens. Depositors can choose monthly, quarterly, or maturity-linked payouts, and a 5-year tax-saving FD qualifies for Section 80C benefits. Visit the official Janakalyan Sahakari Bank website or your nearest branch to open an FD account online or in person.
FAQs on Janakalyan Sahakari Bank FD Rates
1.What is a Janakalyan Sahakari Bank FD?
A Janakalyan Sahakari Bank FD is a fixed deposit scheme that lets you invest a lump sum with Janakalyan Sahakari Bank for a fixed tenure in exchange for guaranteed interest. It is open to individuals, NRIs, firms, trusts and other eligible depositors. Janakalyan Sahakari Bank FD tenures range from 7 days to 10 years.
2.What is the minimum tenure for a Janakalyan Sahakari Bank FD?
The minimum tenure for a Janakalyan Sahakari Bank FD is 7 days. The maximum tenure available is 10 years. You can pick a tenure that matches your investment horizon.
3.Can I get a loan or overdraft against my Janakalyan Sahakari Bank FD?
Yes, Janakalyan Sahakari Bank lets you avail a loan or overdraft against your fixed deposit instead of breaking it early. This helps you access funds without losing the FD's accumulated interest. Check with your branch for the applicable loan-to-value ratio.
4. Is there a nomination facility for a Janakalyan Sahakari Bank FD?
Yes, Janakalyan Sahakari Bank offers a nomination facility on its fixed deposits. This lets you name a nominee who can claim the deposit if something happens to you. You can add or update your nominee at account opening or later at your branch.
5. Does a Janakalyan Sahakari Bank FD auto-renew after maturity?
Yes, Janakalyan Sahakari Bank offers auto-renewal for fixed deposits that are not withdrawn on maturity. The deposit is renewed for a similar tenure unless you give different instructions. Part withdrawal is also available if you don't want to renew the full amount.
6.Is there a maximum limit on how much I can invest in a Janakalyan Sahakari Bank FD?
No, Janakalyan Sahakari Bank does not cap the maximum amount you can invest in an FD. This makes it suitable for both small depositors and high-value investors. Minimum investment requirements may still apply depending on the scheme.
7.Can NRIs invest in a Janakalyan Sahakari Bank FD?
Yes, Janakalyan Sahakari Bank offers NRE, NRO and FCNR deposit facilities for non-resident Indians. NRIs can choose a tenure and scheme that suits their investment needs. These accounts run alongside the bank's regular FD offerings.
8.How can I get a tax benefit on my Janakalyan Sahakari Bank FD?
You can claim a tax benefit under Section 80C of the Income Tax Act by investing in a Janakalyan Sahakari Bank FD with a tenure of five years or longer. This tax-saving FD comes with a lock-in period and cannot be withdrawn early. Check the current deduction limit with a tax advisor before investing.
9.What FD schemes does Janakalyan Sahakari Bank offer?
Janakalyan Sahakari Bank offers the Kalyan Thev Yojana along with fixed deposit schemes that pay interest monthly or quarterly. The Kalyan Thev Yojana compounds interest quarterly and pays it out on maturity. The monthly and quarterly schemes credit interest directly to your account during the tenure.
10.Who is eligible to open a Janakalyan Sahakari Bank FD?
Any individual, HUF, partnership firm, limited company, trust, LLP, registered society, local authority or NRI can open a Janakalyan Sahakari Bank FD. Body of individuals and association of persons are also eligible. Eligibility spans both personal and institutional depositor categories.
11.Are Janakalyan Sahakari Bank FD interest rates the same across all schemes?
No, Janakalyan Sahakari Bank FD interest rates vary by scheme and by whether interest is paid monthly, quarterly or on maturity. Rates also differ between the general public and senior citizens. Refer to the interest rate table above for the rate applicable to your chosen tenure and scheme.
12.Does Janakalyan Sahakari Bank offer higher FD interest rates for senior citizens?
Yes, Janakalyan Sahakari Bank offers senior citizens a higher interest rate than the general public across Janakalyan Sahakari Bank FD tenures. The exact rate depends on the tenure chosen and is listed in the interest rate table above. Senior citizens should check the current rate card before booking an FD.
13.What documents do I need to open a Janakalyan Sahakari Bank FD?
To open a Janakalyan Sahakari Bank FD, you need valid identity proof such as a PAN card, Aadhaar card, passport, voter's ID or driving licence. You also need address proof, such as Aadhaar, a passport, a driving licence or a recent utility bill. Additional documents may be needed depending on the depositor category.
14.Will TDS be deducted on my Janakalyan Sahakari Bank FD interest?
Yes, tax will be deducted at source on your Janakalyan Sahakari Bank FD interest once it crosses the threshold prescribed under the Income Tax Act in a financial year, unless you submit Form 15G or Form 15H at the start of the year. Senior citizens are allowed a higher threshold than the general public. Check the current TDS thresholds in the TDS section above before assuming no deduction applies.
15.Can I open a Janakalyan Sahakari Bank FD online?
Yes, you can open a Janakalyan Sahakari Bank FD online through the bank's official website. You can also visit your nearest Janakalyan Sahakari Bank branch to open an FD account in person. Both routes need you to submit the required identity and address proof documents.
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