Jana SFB Savings Account Interest Rate 2026
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Quick Answer
Jana Small Finance Bank currently offers a savings account interest rate of 3–6.5% p.a.. Interest is calculated on daily closing balance and credited quarterly.
Jana SFB Savings Account Interest — Rates at a Glance
| Balance below ₹1 lakh | 3% p.a. |
| Balance ₹1 lakh – ₹5 lakh | 4.75% p.a. |
| Balance above ₹5 lakh | 6.5% p.a. |
| Interest credit frequency | Quarterly |
Rates are indicative as of 2026-04-07. Verify with Jana Small Finance Bank official website before investing.
Key Things to Know
- 1Jana Small Finance Bank savings rate: 3–6.5% p.a.
- 2Interest calculated on daily closing balance, credited quarterly
- 3Minimum balance requirement varies by account type (₹5,000–25,000 for regular branches)
- 4Interest income up to ₹10,000/year exempt from tax (Section 80TTA)
- 5Zero-balance accounts available (BSBD/Jan Dhan accounts)
- 6Free NEFT/RTGS/IMPS transfers via net banking
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Frequently Asked Questions
What is Jana SFB savings account interest rate 2026?
Jana Small Finance Bank offers 3–6.5% p.a. on savings accounts. Higher balances attract higher interest rates.
How is savings account interest calculated in Jana SFB?
Interest is calculated on the daily closing balance and credited to your account quarterly. Formula: (Daily balance × Rate × Number of days) / 365.
What is the minimum balance for Jana SFB savings account?
Jana SFB requires ₹5,000–₹25,000 minimum balance depending on account variant. Zero-balance digital accounts are also available.
Is Jana SFB savings account interest taxable?
Yes, savings account interest is taxable as per your income slab. However, interest up to ₹10,000 per year is exempt under Section 80TTA (₹50,000 for senior citizens under 80TTB).