The Citizens' Co-operative Bank Ltd., Jammu Fixed Deposit interest rates · November 2026
What will my FD earn at Citizens Co-op Bank Jammu?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 45 days |
3.05% | 3.55% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
46 days to 179 days |
4.90% | 5.40% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
180 days to 210 days |
5.65% | 6.15% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
211 days to less than 1 year |
5.90% | 6.40% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
1 year to less than 2 years |
6.25% | 6.75% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
444 days Amrit Vrishti (444 days) |
6.60% | 7.10% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
2 years to less than 3 years |
6.45% | 6.95% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
3 years to less than 5 years |
6.30% | 6.80% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
5 years to 10 years |
6.05% | 6.55% | Any amount | 5 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
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Citizens Co-op Bank Jammu FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.25%- Transcribed from the bank's published rate sheet (re-checked by SHA-256 on every fetch); circular of 31 Jul 2025, rates w.e.f. 05.08.2025 for fresh deposits and renewals; the staff extra is not ingested
Before you book
Citizens Co-op Bank Jammu Fixed Deposit: frequently asked questions
What is the highest Citizens Co-op Bank Jammu Fixed Deposit interest rate?
As of 14 Nov 2026, The Citizens' Co-operative Bank Ltd., Jammu offers up to 6.60% p.a. on its fixed deposit (FD) (444 days) for general customers and 7.10% p.a. (444 days) for senior citizens. Rates below are as published by the bank. Confirm with Citizens Co-op Bank Jammu before investing.
What is the Citizens Co-op Bank Jammu 1-year FD interest rate?
As of 14 Nov 2026, The Citizens' Co-operative Bank Ltd., Jammu offers 6.25% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Citizens Co-op Bank Jammu 2-year FD interest rate?
As of 14 Nov 2026, The Citizens' Co-operative Bank Ltd., Jammu offers 6.45% p.a. on a 2-year FD for general customers and 6.95% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Citizens Co-op Bank Jammu 3-year FD interest rate?
As of 14 Nov 2026, The Citizens' Co-operative Bank Ltd., Jammu offers 6.30% p.a. on a 3-year FD for general customers and 6.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Citizens Co-op Bank Jammu 5-year FD interest rate?
As of 14 Nov 2026, The Citizens' Co-operative Bank Ltd., Jammu offers 6.05% p.a. on a 5-year FD for general customers and 6.55% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Citizens Co-op Bank Jammu?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Citizens' Co-operative Bank Ltd., Jammu, depending on the tenure.
When did Citizens Co-op Bank Jammu last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Citizens' Co-operative Bank Ltd., Jammu's fixed deposit (FD) rates since it started tracking them on 13 Nov 2026.
What fixed deposit (FD) tenures does Citizens Co-op Bank Jammu offer?
The Citizens' Co-operative Bank Ltd., Jammu's published fixed deposit (FD) rate table has 8 tenure bands, from “7 days to 45 days” to “5 years to 10 years”.
Does Citizens Co-op Bank Jammu have special fixed deposit (FD) schemes?
The Citizens' Co-operative Bank Ltd., Jammu's rate table lists these named schemes (1): Amrit Vrishti (444 days). Check eligibility and end dates with the bank.
Does Citizens Co-op Bank Jammu pay more than the Post Office Time Deposit?
The Citizens' Co-operative Bank Ltd., Jammu pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.25% (PO 6.90%), 2y 6.45% (PO 7.00%), 3y 6.30% (PO 7.10%), 5y 6.05% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Citizens Co-op Bank Jammu's 1-year FD rate rank?
The Citizens' Co-operative Bank Ltd., Jammu's 1-year general FD rate of 6.25% ranks #739 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Citizens Co-op Bank Jammu insured?
Deposits with The Citizens' Co-operative Bank Ltd., Jammu are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Citizens Co-op Bank Jammu rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 5 Aug 2025. Rates can change without notice, so verify on the official Citizens Co-op Bank Jammu website before investing.
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Good to know
- Deposits with The Citizens' Co-operative Bank Ltd., Jammu are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Citizens Co-op Bank Jammu is an urban co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Citizens Co-op Bank Jammu, depending on the tenure.
- Citizens Co-op Bank Jammu's FD table includes 1 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official Citizens Co-op Bank Jammu website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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