Jammu and Kashmir Bank (J&K Bank) offers FDs to residents and non‑residents. For deposits below ₹2 crore, rates ranged from 3.50 % to 7.05 % as of July 2025. The highest rate of 7.05 % was available on 1‑year deposits. The bank also paid 7.00 % for tenures between 2 years and 3 years.
J&K Bank FD Rates (Deposits <₹2 Crore)
| Tenure | General rate | Notes |
|---|---|---|
| 7 days – 45 days | 3.50 % | Short‑term |
| 181 days – <1 year | 5.50 % | |
| 1 year | 7.05 % | Highest rate |
| 2 years – 3 years | 7.00 % | |
| 5 years | 6.20 % |
J&K Bank provides a nomination facility and allows premature withdrawal with penalty. Always verify the latest rates and read the deposit’s terms and conditions before investing.
