Suryoday vs Jana Small Finance Bank FD Rates: Compare 1-Year, 3-Year, 5-Year, Tax Saver fixed deposit schemes
Suryoday Small Finance Bank and Jana Small Finance Bank are offering some of the highest fixed deposit interest rates in the banking sector, making them attractive options for conservative investors. Here's a comparison of their latest 1-year, 3-year, 5-year and Tax Saver FD rates to help you make an informed investment decision.
- Aug 2, 2026,
- Updated Aug 2, 2026 6:15 AM IST
Small finance banks remain at the forefront of the fixed deposit market, offering higher interest rates than many public and private sector lenders. Here's how the latest FD rates of Suryoday Small Finance Bank and Jana Small Finance Bank compare across key tenures.
Among them, Suryoday Small Finance Bank and Jana Small Finance Bank stand out for offering interest rates of up to 8.10% and 8.00%, respectively, to regular investors. Senior citizens can earn even higher returns of up to 8.25% at Suryoday and 8.30% at Jana, making both banks attractive choices for those seeking higher yields.
While higher interest rates can enhance returns, investors should also consider deposit tenure, liquidity requirements and the ₹5 lakh DICGC deposit insurance available at scheduled banks before investing.
Suryoday Small Finance Bank FD rates
Suryoday Small Finance Bank offers FD interest rates ranging from 4.00% to 8.10% for regular customers and 4.15% to 8.25% for senior citizens. The bank's highest slab rate of 8.10% is available on a 30-month tenure.
ALSO CHECK: Bandhan Bank vs Bank of Baroda FD rates: Compare interest rates across 1-, 2-, 3- and 5-year tenures
| Tenure | Regular | Senior Citizens |
|---|---|---|
| 7-14 days | 4.00% | 4.15% |
| 15-45 days | 4.25% | 4.40% |
| 46-90 days | 4.50% | 4.65% |
| 91 days-6 months | 5.00% | 5.15% |
| 1 year | 7.25% | 7.40% |
| 18 months | 7.60% | 7.75% |
| 30 months | 8.10% | 8.25% |
| 3-5 years | 6.75% | 6.90% |
| 5 years | 7.90% | 8.05% |
The bank also offers a 5-year Tax Saver FD with 7.90% interest for regular depositors and 8.10% for senior citizens.
MUST READ: ICICI Bank vs Bandhan Bank: Compare FD interest rates before investing your money
Jana Small Finance Bank FD rates
Jana Small Finance Bank offers interest rates between 3.50% and 8.00% for regular investors and 3.50% to 8.30% for senior citizens. Its highest interest rate of 8.00% is available on deposits with tenures of above two years to three years.
| Tenure | Regular | Senior Citizens |
|---|---|---|
| 7-14 days | 3.50% | 3.50% |
| 15-60 days | 4.25% | 4.25% |
| 61-90 days | 4.75% | 4.75% |
| 91-180 days | 5.00%-6.00% | 5.00%-6.00% |
| 181-270 days | 6.50% | 7.00% |
| 271-366 days | 7.00% | 7.50% |
| 367 days-2 years | 7.30% | 7.80% |
| Above 2 years-3 years | 8.00% | 8.30% |
| Above 3-5 years | 7.77% | 8.00% |
| Above 5-10 years | 6.50% | 7.00% |
Jana's 5-year Tax Saver FD offers 7.77% to regular customers and 8.00% to senior citizens.
Suryoday vs Jana: FD comparison
| Feature | Suryoday SFB | Jana SFB |
|---|---|---|
| Highest FD rate (Regular) | 8.10% | 8.00% |
| Highest FD rate (Senior) | 8.25% | 8.30% |
| 1-year FD | 7.25% | 7.00% |
| 2-3 year FD | 8.10% (30 months) | 8.00% |
| 5-year FD | 7.90% | 7.77% |
| Tax Saver FD | 7.90% | 7.77% |
Small finance banks remain at the forefront of the fixed deposit market, offering higher interest rates than many public and private sector lenders. Here's how the latest FD rates of Suryoday Small Finance Bank and Jana Small Finance Bank compare across key tenures.
Among them, Suryoday Small Finance Bank and Jana Small Finance Bank stand out for offering interest rates of up to 8.10% and 8.00%, respectively, to regular investors. Senior citizens can earn even higher returns of up to 8.25% at Suryoday and 8.30% at Jana, making both banks attractive choices for those seeking higher yields.
While higher interest rates can enhance returns, investors should also consider deposit tenure, liquidity requirements and the ₹5 lakh DICGC deposit insurance available at scheduled banks before investing.
Suryoday Small Finance Bank FD rates
Suryoday Small Finance Bank offers FD interest rates ranging from 4.00% to 8.10% for regular customers and 4.15% to 8.25% for senior citizens. The bank's highest slab rate of 8.10% is available on a 30-month tenure.
ALSO CHECK: Bandhan Bank vs Bank of Baroda FD rates: Compare interest rates across 1-, 2-, 3- and 5-year tenures
| Tenure | Regular | Senior Citizens |
|---|---|---|
| 7-14 days | 4.00% | 4.15% |
| 15-45 days | 4.25% | 4.40% |
| 46-90 days | 4.50% | 4.65% |
| 91 days-6 months | 5.00% | 5.15% |
| 1 year | 7.25% | 7.40% |
| 18 months | 7.60% | 7.75% |
| 30 months | 8.10% | 8.25% |
| 3-5 years | 6.75% | 6.90% |
| 5 years | 7.90% | 8.05% |
The bank also offers a 5-year Tax Saver FD with 7.90% interest for regular depositors and 8.10% for senior citizens.
MUST READ: ICICI Bank vs Bandhan Bank: Compare FD interest rates before investing your money
Jana Small Finance Bank FD rates
Jana Small Finance Bank offers interest rates between 3.50% and 8.00% for regular investors and 3.50% to 8.30% for senior citizens. Its highest interest rate of 8.00% is available on deposits with tenures of above two years to three years.
| Tenure | Regular | Senior Citizens |
|---|---|---|
| 7-14 days | 3.50% | 3.50% |
| 15-60 days | 4.25% | 4.25% |
| 61-90 days | 4.75% | 4.75% |
| 91-180 days | 5.00%-6.00% | 5.00%-6.00% |
| 181-270 days | 6.50% | 7.00% |
| 271-366 days | 7.00% | 7.50% |
| 367 days-2 years | 7.30% | 7.80% |
| Above 2 years-3 years | 8.00% | 8.30% |
| Above 3-5 years | 7.77% | 8.00% |
| Above 5-10 years | 6.50% | 7.00% |
Jana's 5-year Tax Saver FD offers 7.77% to regular customers and 8.00% to senior citizens.
Suryoday vs Jana: FD comparison
| Feature | Suryoday SFB | Jana SFB |
|---|---|---|
| Highest FD rate (Regular) | 8.10% | 8.00% |
| Highest FD rate (Senior) | 8.25% | 8.30% |
| 1-year FD | 7.25% | 7.00% |
| 2-3 year FD | 8.10% (30 months) | 8.00% |
| 5-year FD | 7.90% | 7.77% |
| Tax Saver FD | 7.90% | 7.77% |