Janakalyan Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Janakalyan Bank's best Fixed Deposit rate is 7.00% (More than 12 months to 18 months), 2.00 points below the best on the market (9.00%).
- Seniors: up to 7.25% (More than 12 months to 18 months), 0.25 points above the general rate for that tenure.
Showing 9 of 18 rates.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 29 days Single receipt below Rs. 1 crore |
3.75% | 3.75% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
7 days to 29 days Single receipt of Rs. 1 crore and above (all categories) |
3.75% | 3.75% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
30 days to 90 days Single receipt below Rs. 1 crore |
4.25% | 4.50% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
30 days to 90 days Single receipt of Rs. 1 crore and above (all categories) |
4.50% | 4.50% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 18 Oct 2026 ✓ verified 18 Oct 2026 |
91 days to 270 days Single receipt below Rs. 1 crore |
4.75% | 5.00% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
91 days to 270 days Single receipt of Rs. 1 crore and above (all categories) |
5.00% | 5.00% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 18 Oct 2026 ✓ verified 18 Oct 2026 |
271 days to 365 days Single receipt below Rs. 1 crore |
5.25% | 5.50% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
271 days to 365 days Single receipt of Rs. 1 crore and above (all categories) |
5.50% | 5.50% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 18 Oct 2026 ✓ verified 18 Oct 2026 |
More than 12 months to 18 months Single receipt below Rs. 1 crore |
7.00% | 7.25% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
More than 12 months to 18 months Single receipt of Rs. 1 crore and above (all categories) |
7.25% | 7.25% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 18 Oct 2026 ✓ verified 18 Oct 2026 |
More than 18 months to 30 months Single receipt below Rs. 1 crore |
5.50% | 5.75% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
More than 18 months to 30 months Single receipt of Rs. 1 crore and above (all categories) |
5.75% | 5.75% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 18 Oct 2026 ✓ verified 18 Oct 2026 |
More than 30 months to 60 months Single receipt below Rs. 1 crore |
5.75% | 6.00% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
More than 30 months to 60 months Single receipt of Rs. 1 crore and above (all categories) |
6.00% | 6.00% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 18 Oct 2026 ✓ verified 18 Oct 2026 |
60 months Jankar Bachat Yojana (Tax Benefit) Single receipt below Rs. 1 crore |
5.75% | 5.75% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
60 months Jankar Bachat Yojana (Tax Benefit) Single receipt of Rs. 1 crore and above (all categories) |
5.75% | 5.75% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
More than 60 months to 120 months Single receipt below Rs. 1 crore |
5.75% | 6.00% | Single receipt below Rs. 1 crore | 1 Oct 2026 | official fetched 16 Oct 2026 ✓ verified 18 Oct 2026 |
More than 60 months to 120 months Single receipt of Rs. 1 crore and above (all categories) |
6.00% | 6.00% | Single receipt of Rs. 1 crore and above (all categories) | 1 Oct 2026 | official fetched 18 Oct 2026 ✓ verified 18 Oct 2026 |
No rates match these filters.
Janakalyan Bank FD returns at a glance based on investment amount
| Deposit | ~1 year5.25% | ~3 years5.75% | ~5 years5.75% | ~10 years5.75% |
|---|---|---|---|---|
| ₹50,000 | ₹52,677₹219/mo | ₹59,341₹240/mo | ₹66,518₹240/mo | ₹88,494₹240/mo |
| ₹1 lakh | ₹1,05,354₹438/mo | ₹1,18,681₹479/mo | ₹1,33,036₹479/mo | ₹1,76,987₹479/mo |
| ₹2 lakh | ₹2,10,709₹875/mo | ₹2,37,363₹958/mo | ₹2,66,073₹958/mo | ₹3,53,974₹958/mo |
| ₹5 lakh | ₹5,26,771₹2,188/mo | ₹5,93,407₹2,396/mo | ₹6,65,182₹2,396/mo | ₹8,84,935₹2,396/mo |
| ₹10 lakh | ₹10,53,543₹4,375/mo | ₹11,86,813₹4,792/mo | ₹13,30,365₹4,792/mo | ₹17,69,870₹4,792/mo |
Illustrative · quarterly compounding · rates as of 18 Oct 2026. Maturity assumes cumulative FD; monthly figure is simple interest ÷ 12 (non-cumulative payout). Not a bank quote — verify on the bank's site. DICGC insures up to ₹5 lakh per depositor per bank.
Compare Janakalyan Bank Fixed Deposit Returns with other Top Banks
Pick up to three other banks (Post Office is pre-selected when available), an amount (or type your own) and whether you are a senior citizen. Rows are 1, 3, 5 and 10 years — a year is shown only when Janakalyan Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.
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- Tax-benefit scheme (as labelled by the bank)
Chart shows the Single receipt below Rs. 1 crore rates; other deposit amounts are in the table above.
General rate by tenure (% p.a.)
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.
Chart shows the Single receipt below Rs. 1 crore rates; other deposit amounts are in the table above.
Senior rate by tenure (% p.a.)
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.
Chart shows the Single receipt below Rs. 1 crore rates; other deposit amounts are in the table above.
Senior rate by tenure (% p.a.)
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.
Higher 1 year Fixed Deposit rates than Janakalyan Bank
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Janakalyan Bank Fixed Deposit rate changes
Changes to Janakalyan Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 18 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to Janakalyan Bank's fixed deposit (FD) rates has been recorded since tracking started on 18 Oct 2026.
Compare Janakalyan Bank with similar banks
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Janakalyan Bank Fixed Deposit: frequently asked questions
What is the highest Janakalyan Bank Fixed Deposit interest rate?
As of 18 Oct 2026, Janakalyan Sahakari Bank Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (More than 12 months to 18 months) for general customers and 7.25% p.a. (More than 12 months to 18 months) for senior citizens. Rates below are as published by the bank — confirm with Janakalyan Bank before investing.
What is the Janakalyan Bank 1-year FD interest rate?
As of 18 Oct 2026, Janakalyan Sahakari Bank Ltd. offers 5.25% p.a. on a 1-year FD for general customers and 5.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.
What is the Janakalyan Bank 2-year FD interest rate?
As of 18 Oct 2026, Janakalyan Sahakari Bank Ltd. offers 5.50% p.a. on a 2-year FD for general customers and 5.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.
What is the Janakalyan Bank 3-year FD interest rate?
As of 18 Oct 2026, Janakalyan Sahakari Bank Ltd. offers 5.75% p.a. on a 3-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.
What is the Janakalyan Bank 5-year FD interest rate?
As of 18 Oct 2026, Janakalyan Sahakari Bank Ltd. offers 5.75% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Janakalyan Bank?
Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at Janakalyan Sahakari Bank Ltd., depending on the tenure.
When did Janakalyan Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Janakalyan Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 18 Oct 2026.
What fixed deposit (FD) tenures does Janakalyan Bank offer?
Janakalyan Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 8 tenure bands, from “7 days to 29 days” to “More than 60 months to 120 months”.
Does Janakalyan Bank pay different fixed deposit (FD) rates by deposit size?
Yes. Janakalyan Sahakari Bank Ltd.'s table lists separate bands: Single receipt below Rs. 1 crore; Single receipt of Rs. 1 crore and above (all categories). Each row shows the band it applies to.
Does Janakalyan Bank have special fixed deposit (FD) schemes?
Janakalyan Sahakari Bank Ltd.'s rate table lists these named schemes (1): Jankar Bachat Yojana (Tax Benefit). Check eligibility and end dates with the bank.
Does Janakalyan Bank pay more than the Post Office Time Deposit?
Janakalyan Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 5.25% (PO 6.90%), 2y 5.50% (PO 7.00%), 3y 5.75% (PO 7.10%), 5y 5.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Janakalyan Bank's 1-year FD rate rank?
Janakalyan Sahakari Bank Ltd.'s 1-year general FD rate of 5.25% ranks #243 of 248 banks on RateScan.in (as of 18 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Janakalyan Bank insured?
Deposits with Janakalyan Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Janakalyan Bank rates?
RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 1 Oct 2026. Rates can change without notice, so verify on the official Janakalyan Bank website before investing.
More Janakalyan Bank rates
Fixed Deposit rates at other banks
Good to know
- Deposits with Janakalyan Sahakari Bank Ltd. 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.
- Janakalyan Bank is an urban co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.25% p.a. more than general customers at Janakalyan Bank, depending on the tenure.
- Janakalyan Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official Janakalyan Bank 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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