J&K Bank
Bank Overview
Financial Health Indicators(Q4 FY26)
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates - check here
Frequently Asked Questions
Quick answers to the most common questions about J&K Bank accounts.
As of August 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.
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.
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.
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.