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Earn interest up to 8.60% p.a. by investing in a Bajaj Finance Fixed Deposit | Rated CRISIL AAA/ STABLE and [ICRA]AAA(stable)

## Jana Small Finance Bank Fixed Deposit Calculator

The FD calculator is an online computational tool that helps estimate your returns. Here are a few parameters that can help you calculate your returns. All you have to do is input values for each variable.

However, before using the FD calculator, you need to know the FD rates on offer. This way, you can compare your interest earnings across tenors without any ambiguity.

Know that your FD interest rates vary based to these major factors:

• Type of FD

• Tenor

• Invested amount

Generally, longer tenor options have a higher rate, and lead to better returns. For instance, when you book a Jana Small Finance Bank FD for 500 days, you get an interest rate of 8.15% p.a. If you are a senior citizen, you get an additional rate of 0.70% p.a. over the regular rates which makes it 8.85% p.a.

Another crucial factor is the FD type. Here, you get to choose either a cumulative or non-cumulative FD. Suppose you opt for a cumulative or payout at maturity; your interest earnings are higher compared to a non-cumulative FD.

This is because with a cumulative FD, the power of compounding comes into play. Here, your interest is reinvested periodically, and accrues interest as well. At maturity, you get the interest earned along with the principal amount.

However, the interest is paid on a regular basis in a non-cumulative FD. This depends on the payout frequency you opt for, such as monthly, quarterly, half-yearly or annually. In such cases, the interest rate applicable is lesser when compared to the cumulative option.

The Jana Small Finance Bank FD calculator helps you compute the right amount based on the applicable interest rates. Understanding the parameters affecting your interest earnings is crucial before you book an FD.

Deposit Amount
Tenure
Months
Interest Rate
%
Interest Payout
Total Investment
Total Interest Earned

## How Can the Jana Small Finance Bank FD Calculator Help You?

With the Jana Small Finance Bank FD calculator, you can compute your results instantaneously. This helps you save time and avoid errors you may normally come across when calculating manually.

Using the Jana Small Finance Bank FD rates calculator is a smart way to get error-free results in an instant! This online digital tool helps you make strategic financial decisions, as it lets you compare various options before zeroing in on a suitable FD scheme.

Simply change the parameters to arrive at the right amount that best aligns with your financial goals.

Assume you want to compare the interest earnings of a regular and senior investor. You may easily calculate them using the Jana Small Finance Bank FD calculator.

With an FD calculator, you don’t have to worry about such issues.

## How to Use the Jana Small Finance Bank FD Calculator

As mentioned, the Jana Small Finance Bank FD rates calculator computes your returns depending on these parameters.

• Applicable interest rates, according to FD rates prescribed by Jana Small Finance Bank

• Investment  amount

• Tenor

• Type of fixed deposit

• Investor type (senior citizen or non-senior citizen)

While higher interest rates can increase your earnings, a higher investment amount also aids in maximising your returns. Whether you opt for a cumulative or a non-cumulative FD type also has a say in your interest earnings.

The FD calculator of Jana Small Finance Bank calculates your interest earnings using certain formulae. Here is a detailed view of the formulae using which your FD calculations become easy.

• ### Simple Interest Formula

M = P + (P x r x t/100)

Here, ‘M’ indicates the maturity amount, ‘P’ stands for the principal deposit amount, ‘r’ for the interest rate and ‘t’ for the tenor of your fixed deposit.

To help you understand the formula better, consider the following hypothetical example:

P = ₹2 Lakhs

T = 5 years

r = 10%

M = 2,00,000 + (2,00,000 x 10 x 5/100)

M = ₹2,50,000 or ₹2.5 Lakhs

• ### Compound Interest Formula

M = P + P [(1 + r/100) ^(t) - 1]

Substituting the same values and assuming the FD has a non-cumulative payout mode, here are the values you get:

P = ₹2 Lakhs

T = 5 years

r = 10%

Here, M = ₹2,61,000 or ₹2.61 Lakhs

## Return Comparison

Using an online FD calculator helps you compare returns quickly. You can use the Jana Small Finance Bank FD calculator to compare your returns across tenors at different interest rates.

Assume an investment amount of ₹5 Lakhs for various tenors at applicable Jana Small Finance Bank FD rates.

 Tenor (in days) Applicable Interest Rates (%p.a.) Interest Earnings (Returns) Maturity Amount 14 days 3.75% ₹716 ₹5,00,716 60 days 4.25% ₹3,486 ₹5,03,486 90 days 5.00% ₹6,163 ₹5,06,163 180 days 6.25% ₹15,528 ₹5,15,528 364 days 7.00% ₹35,827 ₹5,35,827 499 days 7.25% ₹51,607 ₹5,51,607 500 days 8.15% ₹58,430 ₹5,58,430 730 days 7.25% ₹77,269 ₹5,77,269 1095 days 7.35% ₹1,22,103 ₹6,22,103 1824 days 7.25% ₹2,15,989 ₹7,15,989 1825 days 6.00% ₹1,73,427 ₹6,73,427 3650 days 6.00% ₹4,07,009 ₹9,07,009

Disclaimer: Returns mentioned are subject to change as per the latest rates on offer.Tax/TDS implications are not considered while displaying the returns by the calculator. The returns computed by this calculator is only on FDs with cumulative interest option which is held till maturity.

Considering the same example of ₹5 Lakhs for a senior citizen investor, here is a look at your returns.

 Tenor (in days) Applicable Interest Rates (%p.a.) Interest Earnings (Returns) Maturity Amount 14 days 4.45% ₹849 ₹5,00,849 60 days 4.95% ₹4,059 ₹5,04,059 90 days 5.70% ₹7,026 ₹5,07,026 180 days 6.95% ₹17,281 ₹5,17,281 364 days 7.70% ₹39,513 ₹5,39,513 499 days 7.95% ₹56,812 ₹5,56,812 500 days 8.85% ₹63,698 ₹5,63,698 730 days 7.95% ₹85,255 ₹5,85,255 1095 days 8.05% ₹1,35,054 ₹6,35,054 1824 days 7.95% ₹2,40,994 ₹7,40,994 1825 days 6.70% ₹1,97,033 ₹6,97,033 3650 days 6.70% ₹4,71,711 ₹9,71,711

Disclaimer: Returns mentioned are subject to change as per the latest rates on offer.Tax/TDS implications are not considered while displaying the returns by the calculator. The returns computed by this calculator is only on FDs with cumulative interest option which is held till maturity.

This way, you can easily compare your returns and choose the FD terms that best suit your financial requirements.

## Jana Small Finance Bank Fixed Deposit Calculation

Here is a detailed breakdown of how your interest will compound across years using the Jana Small Finance Bank FD rates calculator.

Consider an investment of ₹2 Lakhs by both senior and non-senior citizens. The maturity amounts for the same as per the applicable interest rates are as follows.

 Tenor (in days) Interest Earned (Senior Citizens) Interest Earned (Non-senior Citizens) Maturity Amount (Senior Citizens) Maturity Amount (Non-senior Citizens) 365 days ₹16,380 ₹14,899 ₹2,16,380 ₹2,14,899 500 days ₹25,479 ₹23,372 ₹2,25,479 ₹2,23,372 730 days ₹34,102 ₹30,907 ₹2,34,102 ₹2,30,907 1095 days ₹54,021 ₹48,841 ₹2,54,021 ₹2,48,841 1460 days ₹74,019 ₹66,592 ₹2,74,019 ₹2,66,592 1825 days ₹78,813 ₹69,371 ₹2,78,813 ₹2,69,371

Disclaimer: Returns mentioned are subject to change as per the latest rates on offer.Tax/TDS implications are not considered while displaying the returns by the calculator. The returns computed by this calculator is only on FDs with cumulative interest option which is held till maturity.

## Advantages of Using the Jana Small Finance Bank FD Calculator

Here are some unique advantages of using this online FD calculator:

• Provides error-free results instantly

• Helps you compare FD rates across tenors

• You can avoid doing the cumbersome manual calculations

• Helps you choose the right FD plan to grow your investment corpus

Alternatively, you may use the FD calculator at Bajaj Markets to compute your FD earnings and choose a suitable plan.

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Disclaimer

The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial investment advice or endorsement of any sort.

The information including interest rates with regard to fixed deposit, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any investment or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

## FAQs on Jana Small Finance Bank FD Calculator

You can calculate your FD maturity amount by entering details such as tenor, investment amount, interest pay-out frequency and whether senior citizen or non-senior citizen. Once you enter the values, the process is automatic and the FD calculator will display the  returns.

Yes, even if you are new to FD investments, you can calculate your earnings in a jiffy. This is because the calculator has user-friendly features.

No, you can use the online calculator across devices such as mobile phones, laptops and desktop computers.

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