Let your savings grow with our Fixed Deposit account. We understand that investment needs vary and that is precisely why we bring you a wide variety of tenures that range from 7 days to 10 years. In lieu of no premature withdrawal of the deposit, the customers can enjoy additional rate of interest* in comparison to Regular Fixed Deposits.

Key Benefits

Attractive Interest Rates
  • Earn higher interest Rate over and above the Regular Fixed Deposit Rate
Premature Withdrawal
  • Not Applicable
Flexible Tenure
  • The tenure period of fixed deposits range between 7 days to 10 years
Minimum Amount
  • INR 15,00,001

Interest Rates for FD Plus (For Fixed Deposits with No Premature Withdrawal facility)

    Rates are effective from 09/09/2020 (subject to change from time to time)

Period Interest Rate (p.a.) Interest Rate(Annualised)
7 − 14 days 3.00% 3.00%
15 − 60 days 3.75% 3.75%
61 − 90 days 5.00% 5.00%
91 − 180 days 5.50% 5.54%
181 − 364 days 6.65% 6.80%
1 year (365 days) 7.05% 7.24%
> 1 year − 2 year 7.25% 7.45%
> 2 year − 3 year 7.75% 7.98%
> 3 year − < 5 year 7.00% 7.19%
5 years (1825 days) 7.00% 7.19%
> 5 year − 10 year 6.50% 6.66%

Terms and Conditions:

1. The above rate is applicable for Fixed Deposits above INR 15 Lakhs only.

2. The interest is computed based on the actual number of days in a year i.e. 365 days for a non- leap year and 366 days for a leap year. The tenor of Deposit is calculated in number of days.

3. For the “FD with no Premature withdrawal / FD Plus“ product

    a. Auto Renewal facility is not available

    b. Pre-mature withdrawal of the deposit is not allowed before the expiry of the term, except in case of death of the account holder or on order from statutory and/or regulatory authority.

4. For all Non-Cumulative Fixed Deposits, interest is calculated on Simple interest basis. Interest payouts are as per financial year: Monthly Interest payouts will be on 1st of every month, Quarterly Interest payouts will be on the 1st of every quarter, Half yearly payouts will be on 1st October & 1st April and Annual interest payouts will be on 1st April irrespective of the date of booking.

Note on Calculation of Interest Rate(Annualised):

1. The rate showcased in the rate table is only indicative in nature, for exact returns always consult Jana Bank branch.

2. The Interest Rate(Annualised) calculation is calculated from the start of the year i.e. 1st January.

3. The Interest Rate(Annualised) calculation discounts Leap year.

4. The Interest Rate(Annualised) is calculated for cumulative deposits.

5. Interest Rate(Annualised) =[ (Total Maturity Pay out/original Principal ) – 1] / Tenor in years

    a) 1 year = 365 days

    b) Total maturity Pay-out includes the quarterly compounding of deposits

    c) The calculation is inclusive of TDS amount.

Eligibility Criteria

  • Both new and existing customers of Jana Small Finance Bank can open a Fixed Deposit account.
  • Following are the types of customers who can open fixed deposit accounts: Individuals, Minors, Proprietorship, HUF (Hindu Undivided Family), Registered and Unregistered Bodies, Cooperative Societies, Trusts, Partnerships, NGO and, Private Limited Organisations.

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank. Give our Relationship Manager an opportunity to help you with the application process.
  • You can also contact us online and our Customer Care Executive will schedule a service appointment at a time that is convenient to you, so that our Relationship Manager can help you with the application process

Required Documents

Click here for the list of KYC documents required to open an account.

Frequently Asked Questions    |   Terms & Conditions

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