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TJSB Sahakari Bank FD Interest Rates

Home Fixed Deposit TJSB Sahakari Bank FD Interest Rates
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Updated: 11-04-2024 06:53:59 AM

TJSB Sahakari Bank offers fixed deposit interest rates between 3.75% and 7.00% p.a. to senior citizens and 3.75% to 7.50% p.a. to other depositors. Depositors can open TJSB FD for tenures of 7 days to 10 years.

TJSB Sahakari Bank Fixed Deposit Highlights

Highest slab rate 7.00% p.a. (367 days)
For 1 year 5.75% 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) 6.25% p.a.

Note: Interest rates as on 11th April 2024

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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 4.00% 4.00%
91 days to 180 days 5.50% 5.50%
181 days to 1 year 5.75% 5.75%
367 days (simple interest) 7.00% 7.50%
Above 1 year to 3 years 6.50% 7.00%
Above 3 years to 5 years 6.25% 6.75%
Above 5 years to 10 years 6.25% 6.75%

*Interest rate applicable to senior citizens as per above table, will not be applicable to senior citizens for NRE/NRO Category.

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Bulk Deposits Interest Rates (including NRO FDs) of Rs 1 crore and above w.e.f. 6th March 2024

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 4.00% 4.00%
91 days to 180 days 5.50% 5.50%
181 days to 1 year 5.75% 5.75%
Above 1 year to 15 months 7.25% 7.75%
Above 15 months to 3 years 6.50% 7.00%
Above 3 years to 5 years 6.50% 7.00%
Above 5 years to 10 years 6.50% 7.00%

TJSB Bank Kar Bachat Scheme Interest Rate**

Tenure Interest rate (p.a.)
5 years 6.25%

**NA for senior citizens

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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.
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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.
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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
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