• Janata Sahakari Bank Fixed Deposit Rates

    Janata Sahakari Bank Ltd is a scheduled bank that was set up way back in 1949. This bank has a wide network of more than 70 branches and has made a name for itself as a well-established co-operative bank. Janata Sahakari Bank fixed deposits give a good rate of return and the bank also offers various investment options for Non-Resident Indians (NRIs).

    Given below are the latest interest rates that are offered on Janata Bank FD schemes:

    Tenure Regular Interest Rate (per annum) Senior Citizen Interest Rate (per annum)
    7 days to 30 days 3.25% 3.25%
    31 days to 90 days 3.75% 3.75%
    91 days to 180 days 4.00% 4.00%
    181 days to 364 days 4.50% 4.50%
    1 year to 3 years 5.25% 5.50%
    3 years to 5 years 5.25% 5.75%
    More than 3 5 years 5.50% 6.00%
    Janahit Deposit Scheme - 45 days 3.75% 3.75%
    Swadhan Deposit Scheme - 30 days 3.25% 3.25%
    NRE Deposit Scheme - More than 12 months to 36 months 5.25% 5.25%
    NRE Deposit Scheme - More than 36 months 5.25% 5.25%
    Tax Saver Deposit Scheme (5 years & more) 5.25% 5.75%

    Note: The interest rates are applicable from 1 September 2021. The rates may vary from time to time based on bank rates.

    Janata short-term deposit rates

    • A comparatively high interest rate is offered by the bank on the short-term deposit schemes, making it a good investment option for those who do not want to lock-in their funds for longer durations.
    • Even an investment made for as short a duration as 7 days to 30 days will fetch a return at the rate of 3.25% p.a.
    • For deposits with a tenure of 31 days to 90 days, the interest rate of 3.75% p.a.
    • For 91 days to 180 days, the bank will offer the customer 4.00% p.a. and for 181 days to less than 1 year, the rate paid will be 4.40% p.a.

    Janata medium & long-term deposit rates

    • The tenure for a medium term-fixed deposit is from a minimum of 1 year to 5 years.
    • The interest rate that is given out to depositors ranges from 5.75% p.a. to 6.25% p.a.
    • For any fixed deposit that is kept in the bank from 1 year to 3 years, the rate at which interest payment is made will be 5.25% p.a.
    • On the other hand, all investments that are made in fixed deposit schemes for more than 5 years, will give the account-holder returns at the rate of 5.50% p.a.
    • The 5-year tax saving scheme will give the deposit holder interest at the rate of 5.25% p.a.

    Janata senior citizen deposit rates

    • Janata Bank does pay senior citizens a higher rate of interest but only on certain selected tenure ranges.
    • Higher interest rates are paid for all time deposits that are held in the bank for a period of 12 months or more.
    • For 12 months to 3 years, the senior citizen rate is 5.50% p.a.
    • For any investment made for less than 12 months, the rate paid for this category of investors will be the same as that given to regular category of investors who are less than 60 years of age.
    • For an investment made for more than 3 5 years, the rate paid will be 6.00% p.a.

    To apply for any Janata Bank fixed deposit scheme, the customer can do so by downloading the online application form that is available on the bank website in the downloads section. The form has to be duly filled in with all relevant details. Customers can choose the interest payout method and other features.

    FAQs About Janata Sahakari Bank Fixed Deposit Rates

    1. What is the highest and lowest rate of interest on FD schemes by the Janata Sahakari Bank?

      The highest and lowest rate of interest on FD schemes by the Janata Sahakari Bank is 5.50% p.a. and 3.25% p.a., respectively.

    2. What is the special rate of interest for senior citizens?

      Janata Sahakari Bank offers an additional rate of 0.50% p.a. for a tenure of 12 months and more.

    3. Is a nomination facility available on FD schemes by Janata Sahakari Bank?

      Yes, Janata Sahakari Bank offers a nomination facility on FD schemes.


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