Jammu and Kashmir Grameen Bank (JKGB) is a nationalised public sector bank, headquartered in Jammu, established in 2019. Its headline 1-year FD rate of 6.75% is +0.20% above the public sector average of 6.55%, ranking #8 of 28 public sector banks.
Rates as of 18 Sept 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at JKGB (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
07 days to 30 days |
3.50% | 4.00% | Below ₹1 crore | |
7–45 days |
3.00% | 3.50% | Any amount | |
31 days to 45 days |
3.75% | 4.25% | Below ₹1 crore | |
46 days to 90 days |
5.00% | 5.50% | Below ₹1 crore | |
46–90 days |
4.50% | 5.50% | Any amount | |
91 days to 180 days |
5.50% | 6.00% | Below ₹1 crore | |
91–180 days |
5.50% | 6.00% | Any amount | |
181 days to 270 days |
5.90% | 6.40% | Below ₹1 crore | |
181 days to < 1 year |
6.00% | 6.50% | Any amount | |
271 days to less than 1 year |
6.00% | 6.50% | Below ₹1 crore | |
1 year to less than 18 months |
6.55% | 7.05% | Below ₹1 crore | |
1 year to < 2 years |
6.75% | 7.25% | Any amount | |
18 month to less than 2 years |
6.65% | 7.15% | Below ₹1 crore | |
2 years to 887 days |
6.75% | 7.25% | Below ₹1 crore | |
2 years to < 3 years |
6.50% | 7.00% | Any amount | |
888 days JKGB 888 days |
7.05% | 7.55% | Below ₹1 crore | |
889 days to less than 3 years |
6.75% | 7.25% | Below ₹1 crore | |
3 years to less than 5 years |
6.70% | 7.20% | Below ₹1 crore | |
3 years to < 5 years |
6.50% | 7.20% | Any amount | |
5 years to 10 years |
6.75% | 7.25% | Below ₹1 crore | |
5 years to 10 years |
6.25% | 7.25% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year to less than 18 months |
6.55% | 7.05% | Any amount | |
18 month to less than 2 years |
6.65% | 7.15% | Any amount | |
2 years to 887 days |
6.75% | 7.25% | Any amount | |
889 days to less than 3 years |
6.75% | 7.25% | Any amount | |
3 years to less than 5 years |
6.70% | 7.20% | Any amount | |
5 years to 10 years |
6.75% | 7.25% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | 2.50% | Any balance |
Deposits with Jammu and Kashmir Grameen Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official JKGB 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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