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J&K Bank - Fixed Deposit Interest Rates
Rates last updated by the bank on 01-Aug-26. Visit bank site
Rates last updated by the bank on 01-Aug-26.
₹5l DICGC insuredDICGC insured up to ₹5L
•Ranked #23 of 51 banks on FD rates
| KEY TENURES | General | Senior | Super Sr. |
|---|---|---|---|
6 Months | 5.90% | 6.40% | 6.65% |
1 Year | 6.55% | 7.05% | 7.30% |
2 Years | 6.75% | 7.25% | 7.50% |
888 days | 7.05%BEST | 7.55%BEST | 7.80%BEST |
3 Years | 6.80% | 7.30% | 7.55% |
5 Years | 6.85% | 7.35% | 7.60% |
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Compare with other banks
Bank Overview
Type
PrivateHeadquarters
SrinagarFounded
1938Branches
1017DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
0.64%Strong
CAR
16.55%Strong
PCR
90.33%Strong
LCR
122.96%Strong
CASA
45.65%Strong
Frequently Asked Questions
As of August 2026, J&K Bank offers a highest interest rate of 7.05% p.a. for general citizens and 7.55% 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.
J&K Bank charges a 0.50% penalty on premature FD withdrawal. Interest is paid at 0.50% below the rate applicable for the period the deposit remained with the bank, provided it completed at least 7 days. No interest is paid for deposits closed within 7 days.
As of August 2026, J&K Bank offers special FD rates for 888 days at 7.05% (7.55% for Seniors).
FD Calculator
Months
Days
MATURITY AMOUNT
₹1,06,713
MATURITY DATE
21 Aug 2027
Interest rate6.55% p.a.
Principal₹1,00,000
Total interest₹6,713
Indicative only. Actual figures may vary.