Latest News on Jana Small Finance Bank
Eight banks, including PNB, Indian Bank, ICICI Bank, and Jana SFB, have revised their fixed deposit rates, with seniors now eligible for up to 8.00% interest.
The Indian government has maintained the interest rates for small savings schemes for the last quarter of the fiscal year 2024-25. However, several banks have reduced their fixed deposit (FD) rates. In the week ending January 3, 2026, eight banks, including Punjab National Bank (PNB), Indian Bank, and ICICI Bank, among others, revised their FD rates.
For senior citizens, the revised rates vary across banks. Punjab National Bank (PNB), a public sector bank, revised its rates on January 1, 2026. Senior citizens can earn a maximum interest rate of 6.90%, while super seniors (80 years and above) can earn up to 7.20%. The revised rates for seniors at PNB are as follows: 6.60% for one year, 6.80% for more than one year to 389 days, 6.90% for 390 days, and 6.80% for 391 days to 505 days.
The rates for seniors at PNB are also 6.80% for 506 days, 6.80% for 507 days to two years, and 6.80% for more than two years to three years. For longer tenures, the rates are 6.60% for more than three years to 1203 days, 6.55% for 1,204 days, and 6.60% for 1,205 days to five years. The rates for tenures exceeding five years are 6.80% for more than five years to 1894 days, 6.80% for 1,895 days, and 6.80% for 1,896 days to 10 years.
Super seniors at PNB can earn 0.30% (30 basis points) higher interest rates than seniors for tenures up to five years. However, for longer tenures, the rates are the same for both seniors and super seniors. It is essential for senior citizens to review the revised rates and tenures offered by various banks to make informed decisions about their fixed deposits. The reduction in FD rates by several banks may impact the returns on investment for senior citizens, and they should consider these changes when planning their investments.
Jana Small Finance Bank launches Rs 570 crore IPO, as reported by Indiablooms
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Dhanlaxmi Bank and Jana Small Finance Bank Hike Fixed Deposit Rates, Offering Up to 8% Interest for Senior Citizens
The Reserve Bank of India’s (RBI) monetary policy committee (MPC) meeting is set to take place from December 3-5, 2025. Ahead of this meeting, two banks, Dhanlaxmi Bank and Jana Small Finance Bank (SFB), have revised their fixed deposit (FD) rates. As of November 29, 2025, these banks have updated their interest rates to offer higher returns to their customers, particularly senior citizens.
Dhanlaxmi Bank and Jana Small Finance Bank have increased their FD rates to provide senior citizens with interest rates of up to 8% on their deposits. This move is expected to attract more customers, especially seniors, to invest in fixed deposits. The revised rates are competitive and aim to provide higher returns to depositors.
The revision in FD rates by these two banks may be a precursor to other banks following suit. With the RBI’s MPC meeting scheduled to take place soon, there is anticipation about potential changes in interest rates. The MPC meeting will discuss and decide on key policy rates, which can impact the overall interest rate environment in the country.
The increase in FD rates by Dhanlaxmi Bank and Jana Small Finance Bank is a strategic move to stay competitive in the market. Other banks may also consider revising their FD rates to remain attractive to customers. The revised rates offered by these two banks are likely to benefit senior citizens, who often rely on fixed deposits as a safe and stable investment option.
In the current economic scenario, the revision in FD rates is a significant development. With the RBI’s MPC meeting approaching, market participants are eagerly awaiting the decision on interest rates. The outcome of the meeting will have a significant impact on the economy, and the revision in FD rates by Dhanlaxmi Bank and Jana Small Finance Bank may be an indication of the direction in which the interest rates are headed. Overall, the increase in FD rates is a positive development for customers, particularly senior citizens, who can now earn higher returns on their deposits.
Stock Market Updates of Jana Small Finance Bank
Recent Updates
Don’t miss out! Invest now in these small finance banks that offer high-yield fixed deposits with attractive interest rates
Small finance banks (SFBs) are emerging as a lucrative option for investors seeking higher interest rates on fixed deposits (FDs). While large banks offer interest rates ranging from 6.25% to 6.45%, SFBs are offering returns between 7.1% to 7.77%. This significant difference in interest rates is attracting investors to small finance banks. For instance, an investment of ₹1 lakh in SFBs can grow to ₹107,770 in a year, making it an attractive option for those seeking stable returns.
One of the key benefits of investing in SFBs is the security cover provided by the Deposit Insurance and Credit Guarantee Corporation (DICGC). This insurance covers deposits up to ₹5 lakh per depositor, including both principal and interest, providing a sense of security for investments in smaller banks. This security cover is similar to that offered by larger banks, making SFBs a more viable option for investors.
Some of the top SFBs offering high interest rates on FDs include Jana Small Finance Bank, Suryoday Small Finance Bank, and Utkarsh Small Finance Bank. Jana Small Finance Bank offers the highest interest rate of 7.77%, followed by Suryoday Small Finance Bank at 7.75%, and Utkarsh Small Finance Bank at 7.65%. These interest rates are significantly higher than those offered by large banks, making SFBs an attractive option for investors.
It’s essential for investors to understand the interest rates and security features offered by SFBs before making an investment. With the DICGC insurance cover and high interest rates, SFBs are becoming a popular choice for those seeking to earn high interest on their investments. Overall, small finance banks are offering a competitive alternative to large banks, providing investors with a wider range of options to grow their wealth. By considering SFBs, investors can potentially earn higher returns on their investments, making them a worthwhile option to explore.
Is the Market Overlooking Jana Small Finance Bank’s True Potential? Unlock Risk-Adjusted Returns and Harness the Power of Momentum – earlytimes.in
Jana Small Finance Bank Limited, a small finance bank in India, has been gaining momentum in the market. Despite its growth potential, the market seems to be underestimating its capabilities. In this article, we will analyze the bank’s potential, risk-adjusted returns, and the advantages of taking advantage of its momentum.
Underestimation by the Market
The market seems to be underestimating Jana Small Finance Bank’s potential due to its small size and limited geographical presence. However, this perception is misleading, as the bank has been consistently delivering strong financial performance. Its net profit has been growing at a CAGR of 25% over the past three years, with a return on equity (ROE) of 14.4% in FY2022.
Risk-Adjusted Returns
Jana Small Finance Bank’s risk-adjusted returns are impressive, with a risk-weighted assets (RWA) density of 74.4% and a capital adequacy ratio (CAR) of 18.4%. The bank’s non-performing assets (NPA) ratio is also under control, at 1.4%. These metrics indicate that the bank is well-capitalized and has a strong risk management framework in place.
Momentum
The bank’s momentum is evident from its consistently strong financial performance. Its net interest income has been growing at a CAGR of 30% over the past three years, driven by a 25% CAGR in advances and a 20% CAGR in deposits. The bank’s focus on digitalization and expanding its reach in rural areas is expected to further drive growth.
Advantages of Taking Advantage of Momentum
Investing in Jana Small Finance Bank can provide several advantages, including:
- Growth potential: The bank’s strong financial performance and expanding reach in rural areas provide a high growth potential.
- Undervaluation: The market’s underestimation of the bank’s potential provides an opportunity to invest at a relatively low valuation.
- Risk-adjusted returns: The bank’s strong risk management framework and capital adequacy provide a relatively low-risk investment opportunity.
- Diversification: Investing in a small finance bank can provide diversification benefits, as the sector is less correlated with other sectors.
Conclusion
In conclusion, Jana Small Finance Bank Limited’s potential is being underestimated by the market. The bank’s strong financial performance, risk-adjusted returns, and momentum make it an attractive investment opportunity. Investors can take advantage of the bank’s growth potential, undervaluation, and relatively low-risk profile to generate strong returns. As the bank continues to expand its reach and digitize its operations, its momentum is expected to sustain, providing a compelling investment case.
Senior citizens can now earn up to 8% interest with revised fixed deposit rates at Punjab and Sind Bank and Jana Small Finance Bank
According to Vikas Garg, the Head of Fixed Income at Invesco Mutual Fund, the recent monetary policy decision has taken a dovish stance, pausing from the previous two hawkish policies. This move was not unexpected by the market. The significant decline in the inflation trajectory has created an opportunity for a potential rate cut, which could be the last one in the current cycle.
Garg believes that this dovish tilt will increase expectations of a rate cut in the next monetary policy meeting, leading to improved market sentiment. The current market yields are elevated, while inflation is relatively low, presenting a favorable risk-reward profile for investors. This suggests that investors may be able to earn higher returns while taking on relatively less risk, making it an attractive time to invest.
The moderation in inflation has been a key factor in the monetary policy decision. With inflation under control, the central bank may be more likely to cut interest rates to support economic growth. A rate cut would make borrowing cheaper, which could boost consumer and business spending, leading to increased economic activity.
Garg’s comments suggest that the market is poised for a potential rate cut, which could have a positive impact on investor sentiment. The favorable risk-reward profile, combined with the possibility of a rate cut, may encourage investors to invest in fixed income securities, such as bonds. Overall, the dovish stance taken by the monetary policy authority is seen as a positive development by Garg, and it may lead to improved market conditions and increased investor confidence.
In the current economic scenario, the combination of low inflation and elevated market yields presents an attractive opportunity for investors. As the market expects a rate cut in the next monetary policy meeting, investors may be able to capitalize on the favorable market conditions. Garg’s views highlight the importance of monitoring inflation and monetary policy decisions, as they can have a significant impact on market sentiment and investor returns. By keeping a close eye on these developments, investors can make informed decisions and potentially benefit from the current market conditions.