Jana Small Finance Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card date not stated by the bank. Deposits below ₹3 crore.
Jana Small Finance Bank pays its best rate among these terms on 3 years: 8.00%, or 8.30% for senior citizens. That ranks 1st of 33 banks we track for 3 years. On a 2-year deposit it pays more than SBI (6.40%).
Jana SFB FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 271 days to 1 year (365 days) | 7.00% | 7.50% | ₹5,35,930 | 4th of 33 |
| 2 years Slab: Above 1 year to 2 years (730 days) | 7.30% | 7.80% | ₹5,77,837 | 6th of 33 |
| 3 years Slab: 3 years (1095 days) | 8.00% | 8.30% | ₹6,34,121 | 1st of 33 |
| 5 years Slab: Above 3 years to 5 years (1825 days) | 7.77% | 8.00% | ₹7,34,642 | 1st of 33 |
Interest compounds every quarter and is paid at maturity, before tax. Source: Jana Small Finance Bank deposit rates. Each rate is the slab that contains that exact term.
How Jana SFB compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 0.25 percentage points more. On ₹5 lakh that is ₹1,318 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 0.45 percentage points more. On ₹5 lakh that is ₹5,127 extra.
- 3 years: Jana SFB pays the highest rate we track.
- 5 years: Jana SFB pays the highest rate we track.
Similar banks: Ujjivan Small Finance Bank (7.45% for 2 years), Utkarsh Small Finance Bank (7.50% for 2 years), AU Small Finance Bank (7.00% for 2 years), Equitas Small Finance Bank (7.00% for 2 years).
Amounts at Jana SFB
- ₹1 lakh for 3 years at 8.00% becomes ₹1,26,824.
- ₹10 lakh for 3 years at 8.00% becomes ₹12,68,242.
Questions people ask
What is the Jana SFB FD rate for 1 year?
Jana Small Finance Bank pays 7.00% a year on a 1-year deposit below ₹3 crore (7.50% for senior citizens). ₹5 lakh grows to ₹5,35,930. The slab is "271 days to 1 year (365 days)".
What is the Jana SFB FD rate for 2 years?
Jana Small Finance Bank pays 7.30% a year on a 2-year deposit below ₹3 crore (7.80% for senior citizens). ₹5 lakh grows to ₹5,77,837. The slab is "Above 1 year to 2 years (730 days)".
What is the Jana SFB FD rate for 3 years?
Jana Small Finance Bank pays 8.00% a year on a 3-year deposit below ₹3 crore (8.30% for senior citizens). ₹5 lakh grows to ₹6,34,121. The slab is "3 years (1095 days)".
What is the Jana SFB FD rate for 5 years?
Jana Small Finance Bank pays 7.77% a year on a 5-year deposit below ₹3 crore (8.00% for senior citizens). ₹5 lakh grows to ₹7,34,642. The slab is "Above 3 years to 5 years (1825 days)".
Is money in a Jana SFB FD safe?
Jana Small Finance Bank is a small finance bank bank licensed by the RBI. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate