Jana Small Finance Bank's Regular Fixed Deposit ensures that your earnings grow steadily and effortlessly. Its key features like attractive interest rates and multiple interest payout options make it the ideal investment for your hard-earned money.

Key Benefits

FEATURES BENEFITS
Attractive Interest Rates
  • Get best-in-class Interest Rates of 8.60%* p.a. being highest in the card rate
  • Earn more attractive interest rates than Savings Account
Low Deposit Amounts
  • Start depositing with an amount as low as INR 1,000
Mobile Banking App
  • Transact conveniently through our Mobile Banking App
Cumulative and Non-Cumulative
(Monthly / Quarterly / Half-Yearly / Yearly Payout Options)
  • Freedom to choose the Interest pay-out option

Interest Rates for Regular Fixed Deposits

Period Regular FD
Interest Rate (p.a)

Effective Date-09/09/2019
Senior Citizen FD
Interest Rate (p.a)

Effective Date-09/09/2019
Rate Yield Rate Yield
7 − 14 days 5.00% 5.00% 5.60% 5.60%
15 − 45 days 5.50% 5.50% 6.10% 6.10%
46 − 60 days 6.25% 6.25% 6.85% 6.85%
61 − 90 days 6.50% 6.50% 7.10% 7.10%
91 − 180 days 7.00% 7.06% 7.60% 7.67%
181 − 364 days 8.00% 8.24% 8.60% 8.88%
1 year = 365 days 8.50% 8.77% 9.10% 9.42%
> 1 year − 2 years 8.60% 9.28% 9.20% 9.98%
> 2 years − 3 years 8.50% 9.57% 9.10% 10.33%
> 3 years − 5 years 8.00% 9.72% 8.60% 10.61%
> 5 years − 10 years 6.75% 9.54% 7.35% 10.73%

Terms and Conditions:

1. 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.

2. The above card rates are applicable to deposits less than INR 2 Crore.

3. For interest rates on deposits of INR 2 Crore & above, please contact the nearest branch of Jana Small Finance Bank.

4. In case of premature withdrawal of the deposit, interest will not be paid at the originally contracted rate. In such cases interest will be paid at the applicable rate of interest for the duration which the deposit is maintained with us minus premature withdrawal penal rate as follows:

    -Fixed Deposit less than INR 200 Lakhs – 0.5%

    -Fixed Deposits greater than or equal to INR 200 Lakhs – 1%

Note on Calculation of Effective Yield:

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

2. The yield calculation is calculated from the start of the year i.e. 1st January.

3. The yield calculation discounts Leap year.

4. The yield is calculated for cumulative deposits.

5. Effective Yield =[ (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 yield calculation is inclusive of TDS amount.

Eligibility Criteria

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

How to Apply

  • Visit the nearest branch of Jana Small Finance Bank and our Relationship Manager will guide you on the application process.
  • You can also contact us and our Customer Care Executive will fix a service appointment with our Relationship Manager to 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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