Rates verified from official source

Jammu and Kashmir Grameen Bank interest rates · November 2026

Top FD rate
6.75%
888 days · JKGB 888 days
Senior citizen FD
7.25%
888 days · JKGB 888 days
Top RD rate
6.75%
5 years to 10 years
Savings rate
2.50%
Any balance

JKGB FD rates

1 year6.55%Senior 7.05%3 years6.70%Senior 7.20%5 years6.75%Senior 7.25%
All tenures, calculator and comparison →

What will my FD earn at JKGB?

Estimated value after 1 year · before tax ₹5,33,563 6.55% p.a. · ₹33,563 interest · quarterly compounding
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Plan your recurring deposit at JKGB

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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.

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Overview

Jammu and Kashmir Grameen Bank (JKGB) is a regional rural bank (RRB), headquartered in Jammu, established in 2019. Its headline 1-year FD rate of 6.55% is 0.09% above the regional rural bank average of 6.46%, ranking #583 of 1033 banks on RateScan.in.

Headquarters
Jammu
Established
2019
Monitored since
22 Sept 2026
Ownership
GoI 50%, J&K Bank 35%, UT Govt of J&K 15%
Operates in
Jammu and Kashmir

Rates as of 13 Oct 2026, verified from official source. Regional rural bank, jointly owned by the Government of India, the state government and a sponsor bank: deposits insured by DICGC up to ₹5,00,000.

RBI record

No RBI press release since 1 Jan 2024 names Jammu and Kashmir Grameen Bank. We read RBI's press releases every week; last checked on 11 Nov 2026.

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

Branches across Jammu and Kashmir

A regional rural bank serves its whole state. RBI's IFSC directory doesn't give a count for each district.

Head office from the bank's RBI registration.

JKGB Fixed Deposit rate changes

Changes to JKGB's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

18 Oct 2026
▼ 6 cut▲ 6 raised−0.30 to +0.50 pp
  • 5 years to 10 years · General6.25% → 6.75% 0.50 pp
  • 46 days to 90 days · General4.50% → 5.00% 0.50 pp
  • 5 years to 10 years · Senior6.75% → 7.25% 0.50 pp
Show all 12 changesShow fewer
  • 46 days to 90 days · Senior5.00% → 5.50% 0.50 pp
  • 888 days · General7.05% → 6.75% 0.30 pp
  • 888 days · Senior7.55% → 7.25% 0.30 pp
  • 3 years to less than 5 years · General6.50% → 6.70% 0.20 pp
  • 3 years to less than 5 years · Senior7.00% → 7.20% 0.20 pp
  • 2 years to 887 days · General6.75% → 6.70% 0.05 pp
  • 889 days to less than 3 years · General6.75% → 6.70% 0.05 pp
  • 2 years to 887 days · Senior7.25% → 7.20% 0.05 pp
  • 889 days to less than 3 years · Senior7.25% → 7.20% 0.05 pp
Bank's rate page ↗

See all JKGB rate changes →

Good to know

  • Deposits with Jammu and Kashmir Grameen 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.
  • JKGB is a regional rural bank, jointly owned by the Government of India, a sponsor bank and a state government, and supervised by the RBI and NABARD.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at JKGB, depending on the tenure.
  • JKGB's FD table includes 1 special schemes; check eligibility and end dates.
official Effective 13 Oct 2026 · Ingested 22 Sept 2026 · Verified 13 Nov 2026 · View source

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