Jana Small Finance Bank FD interest rates offer some of the highest returns among small finance banks making them a preferred choice for investors. Jana Bank provides flexible tenure with attractive rates of up to 8.11% p.a. for regular and senior citizens. Read on to check the latest Jana Small Finance Bank FD rates, eligibility, benefits, tax implications, premature withdrawal rules, and ways to maximise your FD returns.

Term Wise Jana Small Finance Fixed Deposit Rates

The term-wise Fixed Deposit rates at Jana Small Finance Bank are designed to cater to different financial needs with competitive returns:

Short-term FDs: FDs ranging from 7 days to 365 days offer interest rates between 3.50% and 7.00% for regular customers, while senior citizens can earn between 3.50% and 7.50% for the same tenure, ensuring attractive returns even on shorter investments. 

Medium-term FDs: Fixed deposit with tenures of more than 1 year and up to less than 5 years, provide higher earning opportunities regular customers can enjoy 7.50% to 8.11%, whereas senior citizens benefit from 8.00% to 8.11%. For those seeking stable 

Long-term FDs: Jana Bank offers FDs with tenure of 5 years where interest rates are 7.77% for both regular and senior citizen customers. 5 to 10 year FDs offer 6.50%  and 7.00% for regular and senior citizens providing secure and reliable returns over an extended period.

Benefits of Jana Small Finance Fixed Deposit Rates

Here are the benefits of investing in fixed deposits with Jana Small Finance:

• Start your fixed deposit at an early age with a minimum amount of ₹1000. The upper limit is over ₹2 crores. 
• You can choose from cumulative and non-cumulative interest payout options.  
• Jana Bank interest rates for domestic/NRO/NRE customers are quite competitive, ranging from 3.50% to 8.11% p.a. considering senior citizen FD rates.
• The lock-in period for tax-saver FDs is 5 years without any facility for premature withdrawal. The maximum amount to start a tax saver FD is ₹1.5 lakhs.
• The interest for NRO fixed deposits is taxable as per the tax slab mentioned by the Income Tax Act of 1961.
• You can conveniently make transactions anywhere, anytime, with the Jana Small Finance Bank mobile app.

 Eligibility to Avail Jana Small Finance Fixed Deposit Rates

You must fulfil the following criteria to prove your eligibility to avail of the  Jana Small Finance Bank FD rates.

• Anyone from Cooperative societies, Trusts, Partnerships, NGOs, Private limited companies, Minors, Individuals, HUFs, Minors, Registered and Unregistered Body.
• Age (in case of individual applicants): Has to be 18 years or more.

Documents Required to Avail Jana Small Finance Bank Fixed Deposit Rates

Here is a list of documents that you must submit to apply for Jana Bank FD as an individual or HUF.                   

• Recent photographs
• PAN card/ Form 60 
• Identity proof - Aadhar card, Voter ID, driving licence, etc. 
• Age proof - Birth certificate, school passing/graduation certificate.
• Address proof - Voter ID card, PAN card, Aadhaar card, passport, etc. 
• FD application form fully filled in
• Bank account details – account number, IFSC code, and branch name. 

How to Book Jana Small Finance FD?

You can opt for a video KYC form to initiate the FD account opening procedure with Jana Small Finance Bank.

Contact the Jana Small Finance Bank Customer Care number available on their website. After this call, they will set your appointment with their relationship manager, who can assist you with the online application process.

For offline account opening, locate the nearest Jana Small Finance branch close to your location. The bank officials here will help you with the procedure to start a fixed deposit.

Premature Withdrawal of Jana Small Finance Fixed Deposit

Jana Small Finance Bank permits premature withdrawal of fixed and recurring deposits opened or renewed on or after 17th October 2018; however, a penalty is applicable. The interest will be recalculated based on the applicable rate for the actual tenure the deposit remained with the bank, after deducting a penalty of 0.50%. For instance, if a fixed deposit of ₹10 lakh is booked for 366 days at 8.25% on 17th October 2018 but withdrawn after 180 days, the applicable interest will be the 181-day rate of 7% minus a 0.50% penalty, resulting in an effective interest rate of 6.50%. In the case of the depositor’s death, premature withdrawal of the term deposit is allowed without any penalty charges.

Tax on Jana Small Finance Fixed Deposit Interest

Interest earned on Jana Small Finance Bank fixed deposits is fully taxable as per the investor’s income tax slab. While the bank may offer attractive interest rates, investors should note that TDS (Tax Deducted at Source) is applicable if the total interest income in a financial year exceeds ₹50,000 for regular citizens and ₹1,00,000 for senior citizens, provided PAN details are furnished. In case PAN is not submitted, TDS will be deducted at a higher rate of 20%. To avoid TDS deduction, eligible depositors can submit Form 15G (for non-senior citizens) or Form 15H (for senior citizens), declaring that their taxable income is below the applicable limit.

Jana Small Finance Bank Overdraft Against Fixed Deposits

Jana Small Finance Bank offers an attractive Overdraft against Fixed Deposits, enabling customers to access funds without breaking their FD. This ensures liquidity whenever needed while your Fixed Deposit continues to earn interest. 

Jana Small Finance Bank FD Calculator

You can calculate Jana Small Finance Bank fixed deposit returns using the Jana Small Finance FD calculator below:

Why Should You Book an FD with Stable Money?

Booking an FD with Stable Money gives you access to higher interest rates from trusted bank and NBFC partners all through a seamless, paperless process on the Stable Money App. You can earn competitive returns of up to 8.30%* without the hassle of opening a savings account with the issuer. Your deposits remain secure as they are insured up to ₹5 lakh under the DICGC, as per RBI guidelines. Plus, every FD booked through Stable Money comes with a verified FD certificate, ensuring complete transparency and confidence in your investment.

Conclusion

Now that you know the Jana Small Finance Bank FD rates of 2026, you can plan your finances and choose a suitable scheme. While choosing an FD to invest in, keep an eye out for the lock-in period. You cannot withdraw your principal before this period ends; if you do so, your deposited amount will not earn any returns. It can also attract penalty charges. Therefore, you must know your financial standings well before you start your fixed deposit.