Jana SFB NRE & NRO Account Interest Rates 2026
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Quick Answer
Jana Small Finance Bank NRE fixed deposits earn 7.75% p.a. (tax-free in India). NRE accounts hold repatriable foreign earnings, while NRO accounts hold India-sourced income. Both are maintained in Indian rupees.
Jana SFB NRE/NRO Account — Rates at a Glance
| NRE Savings Account | 3% p.a.(Tax-free in India) |
| NRE FD (1–3 years) | 7.75% p.a.(Tax-free in India) |
| NRO Savings Account | 3% p.a.(TDS at 30% for NROs) |
| NRO FD (1–3 years) | 7.75% p.a.(TDS applies; DTAA relief available) |
| Minimum balance (NRE) | ₹10,000–₹75,000 |
| Minimum balance (NRO) | ₹10,000 |
Rates are indicative as of 2026-04-07. Verify with Jana Small Finance Bank official website before investing.
Key Things to Know
- 1NRE (Non-Resident External): For foreign earnings, fully repatriable
- 2NRO (Non-Resident Ordinary): For India income (rent, dividends), repatriation limit of $1M/year
- 3NRE FD rate: 7.75% p.a. — interest is TAX FREE in India
- 4NRO interest is taxable at 30% TDS (DTAA may reduce this)
- 5Joint account allowed with resident Indians only for NRO; both NRIs for NRE
- 6FCNR(B) accounts also available for deposits in foreign currency
Calculate Your Returns
Principal
₹1,00,000
Interest Earned
₹23,144
Maturity Amount
₹1,23,144
Calculated with quarterly compounding (standard for most Indian banks). Actual maturity may vary by bank.
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Frequently Asked Questions
What is Jana SFB NRE FD interest rate in 2026?
Jana Small Finance Bank NRE FD rate is approximately 7.75% p.a. for 1–3 year deposits. This interest is completely tax-free in India for NRIs.
What is the difference between Jana SFB NRE and NRO accounts?
NRE accounts hold foreign earnings and are fully repatriable with tax-free interest. NRO accounts hold India-sourced income with 30% TDS on interest and repatriation up to $1 million per year.
How to open Jana SFB NRI account from abroad?
You can apply online through Jana SFB's NRI banking portal. Submit self-attested KYC documents (passport, visa, foreign address proof), overseas Indian ID, and passport photos by courier or through a bank representative abroad.
Is Jana SFB NRE account interest taxable?
No. Interest on Jana SFB NRE savings accounts and NRE FDs is completely exempt from income tax in India under Section 10(4)(ii) of the Income Tax Act, as long as you maintain valid NRI status.