TJSB Sahakari Bank Fixed Deposit Highlights
| Highest slab rate | 7.75% p.a. (1 year) |
| For 1 year | 7.75% p.a. |
| For 2 year | 6.50% p.a. |
| For 3 year | 6.50% p.a. |
| For 4 year | 6.25% p.a. |
| For 5 year | 6.25% p.a. |
| Kar Bachat Scheme (Tax saving FD) | 6.25% p.a. |
Note: Interest rates as on 21 March 2025
TJSB Bank FD Rates
Domestic & NRO Term Deposits Interest Rates of less than Rs 1 crore
| Tenure | Regular rates (p.a.) | Senior citizen rates (p.a.)* |
| 7 days to 14 days | 3.75% | 3.75% |
| 15 days to 90 days | 3.75% | 3.75% |
| 91 days to 180 days | 4.00% | 4.00% |
| 181 days | 7.00% | 7.00% |
| 182 days to less than 12 months | 5.75% | 5.75% |
| 12 months | 7.75% | 8.00% |
| Above 1 year to 15 months | 7.25% | 7.50% |
| Above 15 years to 3 years | 6.50% | 6.75% |
| Above 3 years to 5 years | 6.25% | 6.50% |
| Above 5 years to 10 years | 6.25% | 6.50% |
*Interest rate applicable to senior citizens as per above table, will not be applicable to senior citizens for NRE/NRO Category.
Bulk Deposits Interest Rates (including NRO FDs) of Rs 1 crore and above
| Tenure | Regular interest rates (p.a.) | Senior citizen interest rates (p.a.) |
| 7 days to 14 days | 3.75% | 3.75% |
| 15 days to 90 days | 3.75% | 3.75% |
| 91 days to 180 days | 4.00% | 4.00% |
| 181 days | 7.00% | 7.00% |
| 182 days to less than 1 year | 5.75% | 5.75% |
| 1 year | 7.50% | 7.75% |
| Above 1 year to 15 months | 7.25% | 7.50% |
| Above 15 months to 3 years | 6.50% | 6.75% |
| Above 3 years to 5 years | 6.50% | 6.75% |
| Above 5 years | 6.50% | 6.75% |
TJSB Bank Kar Bachat Scheme Interest Rate**
| Tenure | Interest rate (p.a.) |
| 5 years | 6.25% |
**No additional rate for senior citizens
Types of TJSB Bank Fixed Deposit Schemes
Quarterly Interest Deposit
- Minimum deposit amount: Rs 1,000
- Maximum deposit amount: No limit
- Tenure: 1 year to 10 years
- Interest payment: Quarterly interest by pay order/ cash/ credit to account
- Additional interest rates applicable for senior citizens
- All depositors are eligible
- Loan against FD allowed
- Premature withdrawal: Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit.
Monthly Interest Deposit
- Minimum deposit amount: Rs 1,000
- Maximum deposit amount: No limit
- Tenure: 1 year to 10 years
- Interest payment: Monthly interest by pay order/ cash/ credit to account
- Additional interest rates applicable for senior citizens
- All depositors are eligible
- Loan against FD allowed
- Premature withdrawal: Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit.
Short Term Deposit
- Minimum deposit amount: Rs 1,000
- Maximum deposit amount: No limit
- Tenure: 7 days to 365 days
- Interest payment: Quarterly on maturity
- Loan against FD allowed
- Additional interest rates applicable for senior citizens
- All depositors are eligible
- Premature withdrawal: Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit.
Cash Certificate Deposit
- Minimum deposit amount: Rs 1,000
- Maximum deposit amount: No limit
- Tenure: 1 year to 10 years
- Interest payment: Quarterly compounded interest payable on maturity
- Additional interest rates applicable for senior citizens
- All depositors are eligible
- Loan against FD allowed
- Premature withdrawal: Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit.
Kar Bachat Scheme
TJSB Bank Kar Bachat Scheme allows depositors to avail tax deductions of up to Rs 1.5 lakh under section 80C of Income Tax Act. Depositors should note that only the principal amount qualifies for the tax deduction and not the interest accrued from the FD.
- Tenure: 5 years
- Minimum deposit amount: Rs 5,000 and in multiples of Rs 1,000
- Maximum deposit amount: Rs 1.5 lakh (any Individual as a single depositor or bearing first name in the joint deposit can invest total amount not exceeding Rs 1.5 lakh under this scheme)
- Eligibility: Single Individual/Joint Deposit (Not More than two individuals as Joint Holders) / HUF
- Interest payment: Quarterly and cumulative
- Loan against FD not allowed
- Premature withdrawal not allowed