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

Key Benefits

Attractive Interest Rates
  • Get best-in-class Interest Rates of 9.00%* 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 1000
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

Tenor Regular FD

Effective Date-14/12/2018
Senior Citizen FD

Effective Date-30/01/2019
Rate Yield Rate Yield
7 days to 45 days 6.00% 6.00% 6.60% 6.60%
46 days to 60 days 6.50% 6.50% 7.10% 7.10%
61 days to 180 days 7.00% 7.06% 7.60% 7.67%
181 days to 365 days 8.50% 8.77% 9.10% 9.42%
More than 1 year up to 2 years 8.50% 9.16% 9.10% 9.86%
More than 2 years up to 3 years 8.50% 9.57% 9.10% 10.33%
3 years 9.00% 10.20% 9.60% 10.97%
More than 3 years up to 5 years 8.50% 10.46% 9.10% 11.36%
More than 5 years up to 10 years 7.00% 10.03% 7.60% 11.24%

*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.

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

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

*In case of premature withdrawal of the deposit, penalty as follows will be applied on the applicable rate of interest for the duration which the deposit is maintained with us:

    -Fixed Deposit less than INR 200 Lakhs – 0.5%

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

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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