Jammu & Kashmir Bank Recurring Deposit interest rates · November 2026
Plan your recurring deposit at J&K Bank
Before opening an RD
Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
1 year to less than 18 months |
6.55% | 7.05% | Any amount | 10 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 9 Nov 2026 |
18 months to less than 2 years |
6.65% | 7.15% | Any amount | 10 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 9 Nov 2026 |
2 years to 887 days |
6.70% | 7.20% | Any amount | 10 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 9 Nov 2026 |
889 days to less than 5 years 2 slabs at this rate |
6.70% | 7.20% | Any amount | 10 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 9 Nov 2026 |
5 years to 10 years |
6.75% | 7.25% | Any amount | 10 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 9 Nov 2026 |
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J&K Bank RD return examples
Open a figure in the RD calculator. Darker shade = higher rate. ★ marks the highest rate for that amount. Deposits are paid at the start of each month, with quarterly compounding. Rates as of 14 Nov 2026. Confirm the current rate with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
Before you book
J&K Bank Recurring Deposit: frequently asked questions
What is the highest J&K Bank Recurring Deposit interest rate?
As of 14 Nov 2026, Jammu & Kashmir Bank offers up to 6.75% p.a. on its recurring deposit (RD) (5 years to 10 years) for general customers and 7.25% p.a. (5 years to 10 years) for senior citizens. Rates below are as published by the bank. Confirm with J&K Bank before investing.
Do senior citizens get higher Recurring Deposit rates at J&K Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Jammu & Kashmir Bank, depending on the tenure.
When did J&K Bank last change its Recurring Deposit rates?
RateScan.in has recorded no change to Jammu & Kashmir Bank's recurring deposit (RD) rates since it started tracking them on 9 Nov 2026.
What recurring deposit (RD) tenures does J&K Bank offer?
Jammu & Kashmir Bank's published recurring deposit (RD) rate table has 6 tenure bands, from “1 year to less than 18 months” to “5 years to 10 years”.
Is my recurring deposit (RD) with J&K Bank insured?
Deposits with Jammu & Kashmir Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these J&K Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 10 Nov 2026. Rates can change without notice, so verify on the official J&K Bank website before investing.
More J&K Bank rates
Recurring Deposit rates at other banks
Good to know
- Deposits with Jammu & Kashmir Bank 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.
- J&K Bank is a private sector bank regulated by the RBI.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at J&K Bank, depending on the tenure.
- J&K Bank's FD table includes 3 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official J&K Bank 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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