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Bank Overview
Type
Co-operativeHeadquarters
ThaneFounded
1972Branches
172DICGC Coverage
₹5 LakhsSavings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
12 to 24 months | 7.05%BEST |
Above 24 to 36 months | 7.00% |
Above 36 to 120 months | 6.65% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Premature FD Withdrawal Penalty
Standard Penalty Rule
A standard penalty of 1.00% is typically deducted from the recalculated rate for TJSB Sahakari. Deposits broken within 7 Days do not earn any interest.
Frequently Asked Questions
As of October 2026, TJSB Sahakari offers up to 7.05% p.a. on Fixed Deposits and up to 3.15% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, TJSB Sahakari is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with TJSB Sahakari starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.25% p.a. over general citizen rates.
TJSB Sahakari offers tiered interest rates ranging from 2.65% to 3.15% p.a. depending on the balance slabs maintained in the savings account.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
TJSB Sahakari FD Calculator
Months
Days
MATURITY AMOUNT
₹1,07,239
MATURITY DATE
18 Oct 2027
Interest rate7.05% p.a.
Principal₹1,00,000
Total interest₹7,239
Indicative only. Actual figures may vary.