Jammu & Kashmir Bank Fixed Deposit Rates 2026
Jammu and Kashmir (J&K) Bank, established in 1938, is a well-known bank in the country and is listed on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE).
J&K Bank offers a variety of financial services which includes Fixed Deposits.
Features of Jammu & Kashmir Bank Fixed Deposits
The various features of the Jammu & Kashmir Bank fixed deposit schemes are mentioned below:
Account type | Single or joint |
Deposit amount | Minimum: Rs.100 |
Tenure | Minimum: 7 days Maximum: 10 years |
Interest rate payout | Quarterly or at the time of maturity |
Loan against FD | Available |
Nomination facility | Available |
Premature withdrawal | Available with penalty |
Jammu & Kashmir Bank Interest Rates for Domestic Term Deposits Less than Rs.3 Crore
The latest interest rates for Jammu & Kashmir Bank for domestic term deposits less than Rs.3 crore are given below:
Maturity Period | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizens (p.a.) |
7 days to 30 days | 3.50% | 4.00% |
31 days to 45 days | 4.00% | 4.50% |
46 days to 90 days | 5.00% | 5.50% |
91 days to 180 days | 5.00% | 5.50% |
181 days to 270 days | 5.80% | 6.30% |
271 days to less than 1 year | 6.00% | 6.50% |
1 Year to less than 18 months | 6.55% | 7.05% |
18 months to less than 2 years | 6.55% | 7.05% |
2 years to less than 887 days | 6.75% | 7.25% |
888 days | 7.05% | 7.55% |
889 days to less than 3 years | 6.75% |
|
3 years to less than 5 years | 6.65% | 7.15% |
5 years to 10 years | 6.60% | 7.10% |
Note: These rates are effective from 11 December 2025 and can be changed as per the bank’s rules and regulations.
Jammu & Kashmir Bank Interest Rates for Withdrawable Term Deposits Above Rs.3 Crore to Rs.5 crore
The latest interest rates for Jammu & Kashmir Bank for withdrawable term deposits above Rs.3 crore to less than Rs.5 crore are given below:
Maturity Period | Interest Rates for General Public (p.a.) |
7 days to 30 days | 4.75% |
31 days to 45 days | 5.00% |
46 days to 90 days | 5.50% |
91 days to 180 days | 5.75% |
181 days to 270 days | 6.00% |
271 days to less than 1 Year | 6.25% |
1 year to less than 2 years | 6.80% |
2 years to 887 days | 6.60% |
888 days | 7.05% |
889 days to less than 3 years | 6.60% |
3 years to less than 5 years | 6.50% |
5 years to less than 10 years | 6.60% |
Note: The interest rates are effective since 11 December 2025 and can be changed as per Bank’s rules and regulations.
- Domestic Term of Senior Citizens of over 60 years of age shall continue to earn additional interest rate of 0.50% across all maturities in this segment.
Jammu & Kashmir Bank Interest Rates for Non-Withdrawable Term Deposits
The latest interest rates for Jammu & Kashmir Bank for non-withdrawable term deposits Rs.3 crore to less than Rs.5 crore are given below:
Tenure | Interest Rates |
91 days to 180 days | 5.85% |
181 days to 270 days | 6.10% |
271 days to less than 1 year | 6.35% |
1 year to less than 2 years | 6.90% |
2 years to 887 days | 6.70% |
888 days | 7.15% |
889 days to less than 3 years | 6.70% |
Note: These interest rates are effective from 11 December 2025 and can be changed as per the bank’s rules and regulations.
Jammu & Kashmir Bank NRO Fixed Deposit Rates Below Rs.3 Crore
The latest interest rates for Jammu & Kashmir Bank for NRO deposits less than Rs.3 crore are given below:
Maturity Period | Interest Rates for General Public (p.a.) |
7 days to 30 days | 3.50% |
31 days to 45 days | 4.00% |
46 days to 90 days | 5.00% |
91 days to 180 days | 5.00% |
181 days to 270 days | 5.80% |
271 days to less than 1 year | 6.00% |
1 Year to less than 18 months | 6.55% |
18 months to less than 2 years | 6.55% |
2 years to less than 887 days | 6.75% |
888 days | 7.05% |
889 days to less than 3 years | 6.75% |
3 years to less than 5 years | 6.65% |
5 years to 10 years | 6.60% |
Note: These rates are effective from 11 December 2025 and can be changed as per the bank’s rules and regulations.
Jammu & Kashmir Bank NRE Fixed Deposit Rates Below Rs.3 Crore
The latest interest rates for Jammu & Kashmir Bank for NRE deposits less than Rs.3 crore are given below:
Maturity Period | Interest Rates (p.a.) |
1 Year to less than 18 months | 6.55% |
18 months to less than 2 years | 6.55% |
2 years to 887 days | 6.75% |
888 days | 7.05% |
889 days to less than 3 years | 6.75% |
3 years to less than 5 years | 6.65% |
5 years to 10 years | 6.60% |
Note: These rates are effective from 11 December 2025 and can be changed as per the bank’s rules and regulations.
Jammu & Kashmir Bank FCNR Fixed Deposit Rates
The latest Jammu & Kashmir Bank for FCNR deposit rates are given below:
Period | USD | GBP | EUR | JPY | CAD | AUD |
1 year to <2 years | 4.80 | 4.25 | 2.75 | 0.00 | 3.45 | 3.30 |
2 years to <3 years | 3.90 | 3.40 | 2.35 | 0.00 | 2.70 | 2.80 |
3 years to <5 years | 3.65 | 3.25 | 0.60 | 0.00 | 2.70 | 2.80 |
4 years to <5 years | 3.40 | 3.25 | 0.60 | 0.00 | 0.00 | 0.00 |
5 years | 3.40 | 3.25 | 0.60 | 0.00 | 0.00 | 0.00 |
Note: These rates are applicable from 10 November 2025.
Eligibility Criteria for JK Bank Fixed Deposit Schemes
To open a fixed deposit account with Jammu & Kashmir Bank, you must be:
- An Indian resident above the age of 18
- Hindu undivided family
- Public and private limited companies
- Clubs, Societies, Associations, Trusts, etc.
- Minors (through guardians/parents)
- Hindu undivided family
Documents Needed to Open a Jammu & Kashmir Fixed Deposit Account
To open a fixed deposit account with Jammu & Kashmir Bank, you need the following documents:
- Filled in application form
- Depoisters photograph (2 numbers)
- Official documents as per KYC requirements
- PAN Card/Form 60 or 61
- Any other documents relevant to companies, minors, partnership firms, etc.
FAQs on J&K Bank Fixed Deposit Rates
- What are the highest and lowest rate of interest rates on FD schemes offered by Jammu & Kashmir Bank?
The highest rate of interest on FD schemes offered by Jammu & Kashmir Bank is 7.05% and the lowest rate of interest offered by the Bank is 3.50%.
- What is the minimum deposit amount needed to open a fixed deposit account with Jammu & Kashmir Bank?
The minimum deposit amount needed to open a fixed deposit account with Jammu & Kashmir Bank is Rs.100.
- Are there any special interest rates offered to senior citizens opening a fixed deposit account with Jammu & Kashmir Bank?
Yes, senior citizens opening a fixed deposit account with Jammu & Kashmir Bank will get an additional interest rate of 0.50%.
- Is the interest rate for Jammu & Kashmir Bank’s fixed deposit scheme calculated on a simple or compound basis?
The interest rate for Jammu & Kashmir Bank’s fixed deposit scheme is calculated on a simple basis.
- Can a customer open an FD account with Jammu and Kashmir Bank online?
Yes, a customer can open an FD account with Jammu & Kashmir Bank online by submitting the online application form.
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