Interest Rates
5.15% – 8.00% p.a
Time Period
7 days to 10 years
Min - Max Amount
₹1,000 for Regular FD (₹100 for Tax Saver FD) - Retail card rates apply to deposits below ₹3 crore; separate rate cards exist for Bulk (≥ ₹3 crore)
Compounding
Monthly/quarterly/half-yearly/annual
ENTER AMOUNT
Select Duration
Expected Rate of Return
The future value of investment will be
₹ 0
Invested Amount
₹ 10,000
Est. Returns
₹ 0
Jana Small Finance Bank Limited (JSFB) is a scheduled commercial bank regulated by the Reserve Bank of India and headquartered in Bengaluru, Karnataka. The bank traces its origins to Janalakshmi Financial Services (JFS), which was incorporated in 2006 as a microfinance institution focused on urban and semi‑urban inclusion.
Following the Reserve Bank of India’s in‑principle approval, Jana received its final banking authorisation in 2017 and commenced small finance bank operations on 28 March 2018. Since then, the bank has expanded its footprint with a mix of banking outlets and digital channels, and highlights its scale in public materials by describing itself among the larger small finance banks by assets and deposits at various points in time.
Its purpose is to provide inclusive, digitised banking with a strong emphasis on transparent pricing, accessibility, and product choice across customer segments. On the deposit side, Jana offers a structured suite to suit different use‑cases and ticket sizes.
Customers can choose a Regular (Retail) Fixed Deposit for amounts below ₹3 crore, a Bulk Fixed Deposit for ₹3 crore and above (with slab‑wise rates by amount and tenor), or an FD Plus (Non‑Callable) for very large deposits (₹25 crore and above) that trades early withdrawal flexibility for a higher rate. The bank also runs a statutory five‑year Tax Saver Fixed Deposit for Section 80C planning and a Recurring Deposit for monthly savers.
Tenure | Regular Rate (p.a.) | Senior Citizen Rate (p.a.) |
7 – 14 days | 5.15% | 5.15% |
15 – 60 days | 5.25% | 5.25% |
61 – 90 days | 6.00% | 6.00% |
91 – 120 days | 6.00% | 6.00% |
121 – 180 days | 6.00% | 6.00% |
181 – 365 days | 7.25% | 7.75% |
> 1 year – 383 days | 7.25% | 7.75% |
384 days (special) | 7.77% | 7.77% |
385 days – 2 years (730 days) | 7.25% | 7.75% |
> 2 years – 3 years (1095 days) | 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% |
Note: The data is as of July 9, 2025
Tenure | ₹3 Cr | >₹3–5 Cr | >₹5–10 Cr | >₹10–25 Cr | >₹25–50 Cr | >₹50 Cr |
7 – 14 days | 5.15% | 5.15% | 5.15% | 5.15% | 5.15% | 5.15% |
15 – 30 days | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
31 – 45 days | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
46 – 60 days | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% | 5.25% |
61 – 90 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% |
91 – 180 days | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% | 6.00% |
181 – 364 days | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% |
365 days | 7.25% | 7.25% | 7.25% | 7.35% | 7.25% | 7.25% |
1 – 2 years (730 days) | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
2 – 3 years (1095 days) | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
3 – < 5 years | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% |
5 – 10 years | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% | 6.25% |
Note: The data is as of July 9, 2025
| Tenure Range | Institution Name | Interest Rate Range (%p.a.) |
|---|---|---|
| 7 days to 10 years | 8.00› |
 | 15 months to less than 18 months | 7.25› |
 | 365 days | 7.25› |
 | 15 months to less than 16 months | 8.00› |
 | 444 days | 7.30› |
Note: The data is as of July 9, 2025
There are multiple ways to open a Fixed Deposit (FD) with Jana, and the process depends on whether you are an existing customer and the product you choose.
Jana Small Finance Bank allows both new and existing customers to open Fixed Deposits (FDs).
The documentation process for opening a Fixed Deposit (FD) with Jana follows the bank’s Know Your Customer (KYC) guidelines.
Documentation varies based on the type of organisation:
NRO FDs
NRE FDs
For Regular (retail) and Bulk FDs booked on or after 2 October 2024, the bank applies a 1% penal interest on early closures: interest is paid at the applicable rate for the actual period for which the deposit was held, reduced by 1%. The bank reiterates that no interest is payable on retail FDs withdrawn within seven days of booking; for Recurring Deposits, no interest is payable if closed within thirty days.
Existing customers can book an FD instantly through mobile or internet banking by selecting the amount, tenure and payout mode. New customers must complete KYC at a branch before using digital channels for future bookings.
The minimum investment is ₹1,000 for Regular FDs, while the Tax Saver FD accepts deposits from ₹100 up to ₹1,50,000 per financial year. FD Plus requires a much higher entry point, starting at ₹25 crore.
Retail FDs range from 7 days to 10 years, with special slabs like 384 days and 5 years (1825 days). Bulk and FD Plus also span similar tenures but are segregated by higher deposit amounts.
Individuals, HUFs, firms, companies, trusts and NGOs are eligible, subject to KYC compliance. Digital booking is usually available only for existing customers with active mobile or internet banking access.
As of 21 August 2025, the highest rate is 8.00% p.a. for the 5-year slab. The special 384-day slab is 7.77% p.a., with Bulk and FD Plus having separate high-value grids.
The online FD calculator shows estimated maturity values and payout schedules. Pair this with the Tax Saver FD limit of ₹1,50,000 under Section 80C to plan your investments efficiently.
Opt for the cumulative scheme to benefit from compounding if you do not need regular payouts. Ladder deposits across different tenures to balance liquidity, reinvestment risk and higher rate opportunities.
