Question 1

What are the highest interest rates for J&K Bank in 2026?

Accepted Answer

As of September 2026, J&K Bank offers up to 7.05% p.a. on Fixed Deposits and up to 2.50% p.a. on Savings Accounts based on the balance slabs maintained.

Question 2

Is J&K Bank safe for depositing money?

Accepted Answer

Yes, J&K Bank 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.

Question 3

What is the minimum tenure and senior citizen benefit for J&K Bank FDs?

Accepted Answer

The minimum tenure for a fixed deposit with J&K Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.

Question 4

Are returns on J&K Bank FDs and Savings Accounts taxable?

Accepted Answer

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.

Maturity	USD
Deposit Amount	Under $1M	$1M+
Above 1 to <2 years	4.00%BEST	4.00%BEST
2 to <3 years	3.70%	3.70%
3 to <4 years	3.50%	3.50%
4 to <5 years	3.15%	3.15%
5 years	3.15%	3.15%

TENURE	Interest Rate
1 year to <18 months	6.55%
18 months to <2 years	6.65%
2 years to 887 days	6.75%
888 daysSpecial FD	7.05%BEST
889 days to <3 years	6.75%
3 to <5 years	6.70%
5 to 10 years	6.75%

J&K Bank

Bank Overview

Financial Health Indicators(FY 2026)

Fixed Deposit (FD) Interest Rates

Savings Account Interest Rates

Foreign Currency Non-Resident (FCNR-B) Deposit Rates

NRI Fixed Deposit Rates (NRE & NRO)

Frequently Asked Questions

J&K Bank FD Calculator