J&K Bank’s RD rates mirror its FD rates for comparable tenures. One‑year RDs offer around 7.05 % (general), with senior citizens receiving slightly higher rates. Tenures extend up to 10 years. The minimum monthly instalment is typically ₹100. Verify the latest RD rates and penalty policies on the bank’s website.
J&K Bank RD Rate Snapshot
| Tenure | Approx. RD rate |
|---|---|
| 1 year | 7.05 % |
| 3 years | 6.75 % |
| 5 years | 6.50 % |
Investors should ensure timely instalments to avoid penalties.
