Jana Small Finance Bank (Jana) is a small finance bank, headquartered in Bengaluru, established in 2018. Its headline 1-year FD rate of 7.00% is +0.26% above the small finance bank average of 6.74%, ranking #6 of 10 small finance banks.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 25 Sept 2026, verified from official source. Scheduled small finance bank (RBI-licensed) — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Jana (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 Days - 14 Days |
3.50% | 3.50% | Below ₹2 crore | |
15 Days - 60 Days |
4.25% | 4.25% | Below ₹2 crore | |
61 Days - 90 Days |
4.75% | 4.75% | Below ₹2 crore | |
91 Days - 120 Days |
5.00% | 5.00% | Below ₹2 crore | |
121 Days - 179 Days |
6.00% | 6.00% | — | Below ₹2 crore |
180 Days |
6.25% | 6.25% | — | Below ₹2 crore |
181 Days - 270 Days |
6.50% | 7.00% | Below ₹2 crore | |
271 Days - 366 Days |
7.00% | 7.50% | Below ₹2 crore | |
367 Days - 2 Years (730 Days) |
7.30% | 7.80% | Below ₹2 crore | |
>2 Years - 3 Years (1095 Days) |
8.00% | 8.30% | Below ₹2 crore | |
>3 Years - 5 Years (1825 Days) |
7.77% | 8.00% | Below ₹2 crore | |
>5 Years - 10 Years |
6.50% | 7.00% | Below ₹2 crore |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Month - 2 Months |
4.25% | 4.25% | Any amount | |
2 Months - 3 Months |
4.75% | 4.75% | Any amount | |
3 Months - 4 Months |
5.00% | 5.00% | Any amount | |
4 Months - 5 Months |
6.00% | 6.00% | — | Any amount |
6 Months |
6.25% | 6.25% | — | Any amount |
6 Months - 9 Months |
6.50% | 7.00% | Any amount | |
9 Months - 12 Months |
7.00% | 7.50% | Any amount | |
12 Months - 24 Months |
7.30% | 7.80% | Any amount | |
24 Months - 36 Months |
8.00% | 8.30% | Any amount | |
36 Months - 60 Months |
7.77% | 8.00% | Any amount | |
60 Months - 120 Months |
6.50% | 7.00% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | 2.50% | Up to Rs. 1 Lakh | |
Any tenure |
3.50% | 2.50% | More than Rs. 1 Lakh and Up to Rs. 5 Lakhs | |
Any tenure |
4.50% | 2.50% | More than Rs. 5 Lakhs and Up to Rs. 10 Lakhs | |
Any tenure |
6.75% | 2.50% | More than Rs. 10 Lakhs and Up to Rs. 50 Lakhs | |
Any tenure |
7.00% | 2.50% | More than Rs. 50 Lakhs and Up to Rs. 10 Crores | |
Any tenure |
7.00% | 2.50% | More than Rs. 10 Crores and Up to Rs. 20 Crores |
Deposits with Jana Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
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.
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