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J&K Bank – FD Rates

This bank last updated its deposit rates on 11-Jun-26.

DICGC Insurance: ₹5L
FD Rank: #19 of 59 banks
KEY TENURESGeneralSeniorSuper Sr.
6 Months
5.90%
6.40%
6.65%
9 Months
6.00%
6.50%
6.75%
1 Year
6.80%
7.30%
7.55%
2 Years
6.75%
7.25%
7.50%
888 Days~2.4 years
7.30%Best
7.80%Best
8.05%Best
3 Years
6.75%
7.25%
7.50%
5 Years
6.75%
7.25%
7.50%
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Current
J

J&K

7.30%888 days
Check all private banks
P

Punjab & Sind

6.85%666 days
Check all public banks
Top SFB Rate
U

Utkarsh

8.10%666 days
Check all SFBs
Top NBFC Rate
M

Muthoot Cap

8.95%36 months
Check all NBFCs
D

Deutsche

7.00%1 - 1.5 years
Check all Foreign banks
P

Post Office

7.50%5 years
Check Post Office

About J&K Bank

Bank Overview

Type
Private
Headquarters
Srinagar
Founded
1938
Branches
1017
DICGC Coverage
₹5 Lakhs

Financial Health Indicators(FY 2026)

NNPA
0.64%
CAR
16.55%
PCR
90.33%
LCR
122.96%
CASA
45.65%

Frequently Asked Questions

Quick answers to the most common questions about J&K Bank Fixed Deposits.

As of July 2026, J&K Bank offers a highest interest rate of 7.30% p.a. for general citizens and 7.80% p.a. for senior citizens on fixed deposits.

Yes, J&K Bank is a registered bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by DICGC, which covers both principal and accrued interest.

The minimum tenure for a fixed deposit with J&K Bank starts from 7 Days. Longer tenures may offer higher interest rates.

Yes, J&K Bank offers an additional benefit of up to 0.50% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, J&K Bank currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.