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Why Should You Choose
Our Fixed Deposit?

Our Fixed Deposit is designed to deliver guaranteed returns of 50% on your investment over 60 months. It's perfect for those seeking stability, high returns, and peace of mind.*

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Higher Interest Rates

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Low Deposit Amounts

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Flexible Tenures & Multiple Pay-out Options

Digital Booking

Partial Withdrawal Facility^

^Liquid Plus Fixed Deposit Product with Partial Withdrawal Facility

Fixed Deposits Jana

Interest Rates for Retail Fixed Deposits for
Domestic / NRO / NRE Customers

- Effective from 22nd September 2025

Tenure Regular FD Interest Rate(p.a.) Sr. Citizen Interest Rate(p.a.)
7 Days - 14 Days 5.15% 5.15%
15 Days - 60 Days 5.25% 5.25%
61 Days - 90 Days 6.00% 6.00%
91 Days - 120 Days 6.00% 6.00%
121 Days - 180 Days 6.00% 6.00%
181 Days - 365 Days 7.25% 7.75%
>1 Year - 383 Days 7.25% 7.75%
384 Days 7.77% 7.77%
385 Days - 2 Years (730 Days) 7.25% 7.75%
>2 Years - 3 Years 7.50% 8.00%
>3 Years - <5 Years 7.25% 7.75%
5 Years (1825 Days) 8.00% 8.00%
>5 Years - 10 Years 6.50% 7.00%

Check returns on your investment
using our FD calculator

- Effective from 05th April 2025

Senior Citizen
Tax Saver
₹ 1,000
1K50L1Cr1.5Cr2Cr
5 Years
5Y10Y15Y20Y25Y
Interest payout term

FD Maturity Summary

This graph reflects the information you entered

Your Investment
Earning
Senior Citizen: -
Investment Amount: ₹ -
Rate of Interest*: -
Maturity Date: -
Interest Payout: -
Tenure: -
Payout Frequency: -
Total Receivable -

Already a Jana Bank Customer?
Opening FD is quick and easy:

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Step 01
Log in to Jana Mobile Banking App
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Step 02
Or use Jana Internet Banking
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Step 03
Or visit your nearest Jana Bank branch

Choose the option that works best for you!

Not a Customer Yet?

We’d love to welcome you!

Click on Apply now and just submit your details and our team will get in touch, or visit your nearest Jana Bank branch for an easy and secure account opening.

About Us

As on 30th June, 2025

Team
Our Vision &
Mission
Our Values &
Story
0 Million+
Active Customers
We proudly serve over 4.4 million active customers with inclusive, secure, and modern banking solutions that support financial independence.
0
States
0
Union Territories
Nationwide Reach
Our growing footprint across India reflects our commitment to making banking accessible and enabling self-reliance at the grassroots.
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Branches Across the Country
With 800+ branches, we ensure personalized service and financial access across urban, semi-urban, and rural India.
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Banking Professionals
Our 24,000+ strong workforce is at the heart of our mission — helping build an Atmanirbhar Bharat through dedication and trust.”

FAQs

1. What is the minimum deposit amount required for opening a Fixed Deposit?

The minimum amount required to open a Fixed Deposit is ₹ 1,000.

2. What are the benefits of opening a Senior Citizen Fixed Deposit?

Senior Citizens earn additional interest of 0.50% * per annum on deposits below ₹ 3 Crore.

3. What is the age criterion considered to avail additional benefits of a Senior Citizen Fixed Deposit?

Senior Citizen Customers aged 60 years and above are eligible for a Senior Citizen’s Fixed Deposit Product.

4. How to add another joint holder in the existing FD?

Joint Holder can be added in the existing FD account visiting the bank branch however tax liability remains with the first applicant in the FD account.

5. What are the key features * of Tax Saver Fixed Deposit?

Tax Saver FD product comes with good interest rates with a fixed lock-in period of 5 years (1825 Days), Pre-mature withdrawal facility is not available in this product. Customers can avail tax benefits under section 80C of the Income Tax Act, 1961.

6. What is the highest amount limit applicable for availing tax benefits under Tax Saver Deposit Product?

The maximum investment amount for Tax Saver FD Product is up to ₹ 1.5 lakhs during a Financial Year to get exemption under Section 80C.

7. How to book Bulk Fixed Deposits for amounts ₹ 3 Crore and above?

Customer needs to visit the Bank branch to book a Bulk Fixed Deposit.

8. What is this Fixed Deposit Plus Product?

Fixed Deposit Plus is a Non-Callable FD product, Pre-mature withdrawal before the scheduled maturity is not allowed in this product.

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 3 Crore.
  3. Minimum tenure for NRE fixed deposits is 1 year and no interest rate is payable for deposits prematurely withdrawn within the period of 1 year from the date of the deposit.
  4. Only Resident Indian Senior Citizens (of 60 years and above age) are eligible for the above-mentioned Senior Citizen Interest rate * specified. The special rates are applicable only for Resident deposits.
  5. Senior Citizens and Jana Bankers shall not get an extra 0.50% interest for Retail FDs for tenures between 7 days to 180 days.
  6. Senior Citizens and Jana Bankers shall not get an extra 0.50% interest for 5 Years (1825 Days) and for 384 days tenure.
  7. Rest all financial and non-financial terms w.r.t. Retail Fixed Deposits & Recurring Deposits remains unchanged.
  8. Retail FD rates shall be applicable for Sweep Deposits as well.
  9. Recurring Deposit rates shall be maintained month wise as per system design. And rate maintained for 384 Days tenure shall not be available for Recurring Deposits.
  10. Retail FD rates shall be applicable for Liquid Plus Fixed Deposits (For amounts >=₹ 10 Lakhs & below ₹ 3 Crores) as well.
  11. Interest earned on NRO fixed deposits is taxable as per applicable rates according to Income Tax Act 1961 as amended from time to time.
  12. In case of NRE deposit, no interest will be paid if the NRE Deposit is liquidated before the completion of 1 year from the date of booking.
  13. The maximum amount is INR 1.5 Lakhs for Tax Saver FD.
  14. Senior Citizens and Jana Bankers preferential rate will not be applicable for Tax Saver FD.
  15. The lock-in period for Tax Saver FD shall be 5 Years (1825 Days) and no premature withdrawal will be allowed during the lock-in period.
  16. 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:
    1. Fixed Deposit less than INR 300 Lakhs – 1%
    2. Fixed Deposit greater than or equal to INR 300 Lakhs – 1%
  17. For all Non-Cumulative Fixed Deposits, interest is calculated on a 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.
  18. In case of premature withdrawal of fixed deposit: The Interest rate applicable for premature closure will be lower of the rate for the original/contracted tenure for which the deposit has been booked OR the rate as prevailing on the date of deposit for the tenure for which the deposit has been in force with the Bank.
  19. Rates are subject to change from time to time without prior notice.
  20. No interest shall be payable in case of premature withdrawal of the deposit within 7 days from the date of deposit.
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