Savings accounts are one of the most common choices of every individual who wants to park their money and earn interest rates on the sum. You can also withdraw and deposits anytime in a savings account, however, there are certain limitations depending from bank to bank. On the other hand, fixed deposits are the safest investment schemes offered by banks with guaranteed returns at a specified tenure. FDs are risk-free! Jana Small Finance Bank is one of the leading SFBs in India. The SFB has one account where an investor can open either a savings account or opt for FDs in simple steps. Not just that, the SFB offers inflation-beating interest rates on FDs, while its interest rate is huge up to 7% on a savings account.