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). FD interest rates of Janata Sahakari Bank range from 3.00% p.a. to 7.25% p.a. for the general public with 0.50% p.a. additional interest rate for senior citizens.
Given below are the latest interest rates that are offered on Janata Bank FD schemes:
Tenure | Regular Interest Rate (p.a.) | Senior Interest Rate (p.a.) |
7 to 30 days | 3.00% | 3.50% |
31 to 45 days | 3.50% | 4.00% |
46 to 179 days | 5.50% | 6.00% |
180 days to 210 days | 6.00% | 6.50% |
211 days to Less than 1 Year | 6.25% | 6.75% |
12 months to less than 24 months | 7.00% | 7.50% |
24 months to less than 36 months | 7.25% | 7.75% |
36 months to less than 60 months | 6.75% | 7.25% |
60 months to less than 120 months | 6.50% | 7.00% |
Swadhan (30 days) | 3.00% | 3.00% |
Janhit (45 days) | 3.00% | 3.00% |
Note: The interest rates are applicable from 1 April 2025. The rates may vary from time to time based on bank rates.
Janata medium & long-term deposit rates
Janata senior citizen deposit rates
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.
NRE Fixed Deposit interest rates for different tenures are as follows:
Tenure | Interest Rates (p.a.) |
12 months to less than 24 months | 7.00% |
24 months to less than 36 months | 7.25% |
36 months to less than 60 months | 6.75% |
60 months up to 120 months | 6.50% |
Note: The interest rates are applicable from 1 April 2025. The rates may vary from time to time based on bank rates.
The highest and lowest rate of interest on FD schemes by the Janata Sahakari Bank is is 7.25% p.a. to 3.00% p.a., respectively.
Janata Sahakari Bank offers an additional rate of 0.50% p.a. for a tenure of 12 months and more.
Yes, Janata Sahakari Bank offers a nomination facility on FD schemes.
Yes, senior citizens who enroll in the Janata Sahakari Bank Income Tax Savings Scheme will receive an additional 0.5% on the FD interest rates applicable to regular citizens.
If your interest earnings are less than Rs.40,000 per fiscal year, you can seek for a TDS exemption by submitting Form 15G to your bank. Senior citizens with a threshold of Rs.50,000 must file Form 15H.
If you need money due to an unanticipated incident, you can take out a loan against your fixed deposit program rather than terminating it.
To end your fixed deposit account at Janata Sahakari Bank, take these procedures. You have to fill out Janata Sahakari Bank's FD account closure or fixed deposit liquidation form. Next, submit it to the bank with all required documentation. Return the FD deposit certificate or receipt to the bank's officials.
Yes. Janata Sahakari Bank FD offers DICGC (Deposit Insurance and Credit Guarantee Corporation) insurance coverage of Rs.5 lakhs.
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