Jana Small Finance Bank

Terms and conditions apply.

*Period: Tenor of 181 days up to 5 years

^Calculation of Welcome benefit is based on total value of all offers. The "Top brands" is generic classification.

**Fees and charges are applicable on the card. This card can only be availed by opening Savings Plus account. Please refer to www.janabank.com for more details.

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S.No. Period Regular Senior Citizen
1 7 days to 45 days 6.00% 6.60%
2 46 days to 60 days 6.50% 7.10%
3 61 days to 180 days 7.00% 7.60%
4 181 days to 365 days 8.50% 9.10%
5 More than 1 year up to 2 years 8.50% 9.10%
6 More than 2 years up to 3 years 8.50% 9.10%
7 More than 3 years up to 5 years 8.50% 9.10%
8 More than 5 years up to 10 years 7.00% 7.60%

*The above card rates are applicable to deposits less than INR 1 Crore.

*Senior Citizens will get an additional 0.6% interest over and above the FD card rate.

*For interest rates on deposits of INR 1 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 100 Lakhs – 0.5%

    -Fixed Deposits greater than or equal to INR 100 Lakhs – 1%

For example:

  1. Fixed deposit of Rs. 10 lakhs is opened on 17 October 2018 for a period of 366 days @ 8.25%
  2. The deposit is prematurely closed on 179th day
  3. Applicable rate of interest will be the rate of interest for a 178 day deposit as on 17 October 2018, i.e., 7%
  4. Penalty – 0.50%
  5. Effective rate of interest paid (c – d) : 7% - 0.50% = 6.50%
S.No. Period Regular Senior Citizen
1 7 days to 45 days 6.00% 6.60%
2 46 days to 60 days 6.50% 7.10%
3 61 days to 180 days 7.00% 7.60%
4 181 days to 365 days 8.50% 9.10%
5 366* days 8.50% 9.10%
6 367 days up to 3 years 8.50% 9.10%
7 More than 3 years up to 5 years 8.50% 9.10%
8 More than 5 years up to 10 years 7.00% 7.60%

*The above card rates are applicable to deposits less than INR 1 Crore.

*Senior Citizens will get an additional 0.6% interest over and above the FD card rate.

*For interest rates on deposits of INR 1 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 100 Lakhs – 0.5%

    -Fixed Deposits greater than or equal to INR 100 Lakhs – 1%

For example:

  1. Fixed deposit of Rs. 10 lakhs is opened on 17 October 2018 for a period of 366 days @ 8.25%
  2. The deposit is prematurely closed on 179th day
  3. Applicable rate of interest will be the rate of interest for a 178 day deposit as on 17 October 2018, i.e., 7%
  4. Penalty – 0.50%
  5. Effective rate of interest paid (c – d) : 7% - 0.50% = 6.50%