Jana Interest Rates: FD 8.00%, RD 8.00%, Savings 7.00%

Jana FD rates

1 year7.30%Senior 7.80%3 years8.00%Senior 8.30%5 years7.77%Senior 8.00%

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What will my FD earn at Jana?

Deposit amount (₹)

Term

Customer

Estimated value after 1 year · before tax ₹5,37,511 7.30% p.a. · ₹37,511 interest · quarterly compounding

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Monthly deposit (₹)

Term

Customer

—

Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

Jana Small Finance Bank (Jana) is a small finance bank, headquartered in Bengaluru, established in 2018. Its headline 1-year FD rate of 7.30% is 0.45% above the small finance bank average of 6.85%, ranking #183 of 1033 banks on RateScan.in.

Headquarters

Bengaluru

Established

2018

Monitored since

20 Sept 2026

Ownership

Private (small finance bank)

Operates in

Andhra Pradesh, Assam, Bihar, Chhattisgarh + 21 more states

Financial health

CRAR

18.70%

Capital adequacy

Net NPA

1.90%

Bad loans (net)

Credit rating India Ratings

A

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 6 Nov 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.

RBI record

Every RBI press release since 1 Jan 2024 that names Jana Small Finance Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

9 May 2025

RBI fined the bank ₹1.00 crore
RBI's reason: “for contravention of provision of Section 12B(5) of the Banking Regulation Act, 1949 (BR Act)”
What RBI found
“The bank issued / allotted CCPS to certain persons, which taken along with equity share capital held by them, made such persons to hold more than permitted percentage of the paid-up share capital of the bank. It was not ensured that such persons have obtained previous approval of RBI as required under Section 12B(1) of the BR Act.”
RBI says: “This action is based on deficiencies in statutory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
RBI press release 2025-2026/302

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

816 branches in 252 districts

Most branches: Bengaluru Urban 28, Delhi 19, Chennai 15

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

Jana rates

Every rate, tenure by tenure, and what your money grows to.

Fixed Deposit8.00%Senior citizens 8.30% · 3 years (1095 days)See rates →Recurring Deposit8.00%36 monthsSee rates →Savings Account7.00%See rates →

Compare Jana FD rates with banks near you →

Jana Fixed Deposit rate changes

Changes to Jana's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 20 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

6 Nov 2026

▲ 2 raised+0.80 pp

181 Days - 270 Days · General6.50% → 7.30% 0.80 pp
181 Days - 270 Days · Senior7.00% → 7.80% 0.80 pp

Bank's rate page ↗

28 Sept 2026

▼ 2 cut−0.25 pp

180 days · General6.25% → 6.00% 0.25 pp
180 days · Senior6.25% → 6.00% 0.25 pp

See all Jana rate changes →

Credit rating

What independent credit rating agencies say about Jana Small Finance Bank. Every rating links to the document it comes from, so you can check it yourself.

A

Headline rating

Fixed deposits · India Ratings · Rating watch (negative)

Adequate safety: low credit risk

Latest rating action: 30 Jun 2026

Agency	Instrument	Rating	Outlook	Published	Source
India Ratings	Fixed deposits Placed on Rating Watch with Negative Implications because of the restructuring of the promoters' listed debentures. The bank says the promoters' debt does not affect it.	A	Rating watch (negative)	Placed on watch 30 Jun 2026	Exchange filing
CARE	Basel III Tier II bonds ₹75 cr Lower Tier II. CARE's 9 Jul 2026 credit update notes the promoter debt rescheduling and keeps the rating.	A	Stable	Reaffirmed 17 Feb 2026	Agency rationale
India Ratings	Non-convertible debentures	A	Rating watch (negative)	Placed on watch 30 Jun 2026	Exchange filing

Note: Earlier versions of this page showed BBB+ (CRISIL). The ratings we could match to published documents are A from India Ratings (on watch negative) and CARE. As of 28 Oct 2026 we found no India Ratings action after the 30 Jun 2026 watch, so it is shown as outstanding.

How to read these ratings

Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

Deposits with Jana Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
Jana is a small finance bank licensed and regulated by the RBI.
Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Jana, depending on the tenure.

Informational only. Always confirm the current rate on the official Jana website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.

Jana Small Finance Bank interest rates · November 2026