Jammu & Kashmir Bank Fixed Deposit Rates 2025

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

Updated On - 05 Sep 2025
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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 daysMaximum: 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.2 Crore

The latest interest rates for Jammu & Kashmir Bank for domestic term deposits less than Rs.2 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 

3.50% 

4.00% 

46 days to 90 days 

4.60% 

5.10% 

91 days to 180 days 

4.75% 

5.25% 

181 days to 270 days 

5.75% 

6.25% 

271 days to less than 1 year 

6.00% 

 6.50% 

1 Year to less than 2 years 

7.05% 

 7.55% 

2 years to less than 3 years 

7.00% 

 7.50% 

3 years to less than 5 years 

6.50% 

 7.00% 

5 years to less than 10 years 

6.50% 

 7.00% 

Note: These rates are effective from 11 April 2024 and can be changed as per the bank’s rules and regulations. 

Jammu & Kashmir Bank Interest Rates for Withdrawable Term Deposits Above Rs.2 Crore to Rs.5 crore

The latest interest rates for Jammu & Kashmir Bank for withdrawable term deposits above Rs.2 crore to 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

4.75%

46 days to 90 days

5.00%

91 days to 180 days

6.00%

181 days to 270 days

6.50%

271 days to less than 1 Year

6.75%

1 Year to less than 2 years

7.00%

2 years to less than 3 years

6.50%

3 years to less than 5 years

6.25%

5 years to less than 10 years

6.00%

Note: The interest rates are effective since 11 April 2024 and can be changed as per Bank’s rules and regulations.

  1. 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 are given below:

Tenure 

Interest Rates 

91 days to 180 days 

6.10% 

181 days to 270 days 

6.60% 

271 days to less than 1 year 

6.85% 

1 year to less than 2 years 

7.10% 

2 year to less than 3 years 

6.60% 

Note: These interest rates are effective from 11 April 2024 and can be changed as per the bank’s rules and regulations. 

Jammu & Kashmir Bank NRO Fixed Deposit Rates Below Rs.2 Crore

The latest interest rates for Jammu & Kashmir Bank for NRO deposits less than Rs.2 crore are given below:

Maturity Period 

Interest Rates (p.a.) 

7 days to 30 days 

3.50% 

31 days to 45 days 

3.50% 

46 days to 90 days 

4.60% 

91 days to 180 days 

4.75% 

181 days to 270 days 

5.75% 

271 days to less than 1 year 

6.00% 

1 Year to less than 2 years 

7.05% 

2 years to less than 3 years 

7.00% 

3 years to less than 5 years 

6.50% 

5 years to less than 10 years 

6.50% 

Note: These rates are effective from 11 April 2024 and can be changed as per the bank’s rules and regulations. 

Jammu & Kashmir Bank NRE Fixed Deposit Rates Below Rs.2 Crore

The latest interest rates for Jammu & Kashmir Bank for NRE deposits less than Rs.2 crore are given below:

Maturity Period 

Interest Rates (p.a.) 

1 Year to less than 2 years 

7.05% 

2 years to less than 3 years 

7.00% 

3 years to less than 5 years 

6.50% 

5 years to less than 10 years 

6.50% 

Note: These rates are effective from 11 April 2024 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:

FCY 

1 year to less than 2 years 

2 years to less than 3 years 

3 years to less than 4 years 

4 years to less than 5 years 

USD 

5.55 

4.50 

4.25 

3.90 

GBP 

4.60 

3.75 

3.50 

3.50 

EUR 

3.40 

3.00 

0.60 

0.60 

JPY 

0.00 

0.00 

0.00 

0.00 

CAD 

4.00 

3.50 

3.50 

0.00 

AUD 

4.00 

3.25 

3.25 

0.00 

Note: These rates are applicable from 8 April 2024 .

Eligibility Criteria for JK Bank Fixed Deposit Schemes

To open a fixed deposit account with Jammu & Kashmir Bank, you must be:

  1. An Indian resident above the age of 18
  2. Hindu undivided family
  3. Public and private limited companies
  4. Clubs, Societies, Associations, Trusts, etc.
  5. Minors (through guardians/parents)
  6. 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:

  1. Filled in application form
  2. Depoisters photograph (2 numbers)
  3. Official documents as per KYC requirements
  4. PAN Card/Form 60 or 61
  5. 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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