Rates verified from official source

Jammu and Kashmir Grameen Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Jammu and Kashmir Grameen Bank offers up to 7.05% p.a. on its fixed deposit (FD) (888 days) for general customers and 7.55% p.a. (888 days) for senior citizens. Rates below are as published by the bank — confirm with JKGB before investing.

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 07 days to 30 days: 3.50% 7–45 days: 3.00% 31 days to 45 days: 3.75% 46 days to 90 days: 5.00% 91 days to 180 days: 5.50% 181 days to 270 days: 5.90% 181 days to < 1 year: 6.00% 271 days to less than 1 year: 6.00% 1 year to less than 18 months: 6.55% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 1 year to < 2 years: 6.75% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 18 month to less than 2 years: 6.65% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years to 887 days: 6.75% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 2 years to < 3 years: 6.50% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 888 days · JKGB 888 days: 7.05% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 889 days to less than 3 years: 6.75% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to less than 5 years: 6.70% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.75% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d1m2m3m6m6m9m1y1y540d2y2y888d889d3y5y General Post Office TD Special scheme

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.

3%4%5%6%7%8% 07 days to 30 days: 4.00% (General: 3.50%) 7–45 days: 3.50% (General: 3.00%) 31 days to 45 days: 4.25% (General: 3.75%) 46 days to 90 days: 5.50% (General: 5.00%) 91 days to 180 days: 6.00% (General: 5.50%) 181 days to 270 days: 6.40% (General: 5.90%) 181 days to < 1 year: 6.50% (General: 6.00%) 271 days to less than 1 year: 6.50% (General: 6.00%) 1 year to less than 18 months: 7.05% (General: 6.55%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 1 year to < 2 years: 7.25% (General: 6.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 18 month to less than 2 years: 7.15% (General: 6.65%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 887 days: 7.25% (General: 6.75%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 2 years to < 3 years: 7.00% (General: 6.50%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 888 days · JKGB 888 days: 7.55% (General: 7.05%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 889 days to less than 3 years: 7.25% (General: 6.75%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years to less than 5 years: 7.20% (General: 6.70%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 5 years to 10 years: 7.25% (General: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d1m2m3m6m6m9m1y1y540d2y2y888d889d3y5y Senior General Post Office TD Special scheme

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.

3%4%5%6%7%8% 07 days to 30 days: 4.00% (Senior: 4.00%) 7–45 days: 3.50% (Senior: 3.50%) 31 days to 45 days: 4.25% (Senior: 4.25%) 46 days to 90 days: 5.50% (Senior: 5.50%) 91 days to 180 days: 6.00% (Senior: 6.00%) 181 days to 270 days: 6.40% (Senior: 6.40%) 181 days to < 1 year: 6.50% (Senior: 6.50%) 271 days to less than 1 year: 6.50% (Senior: 6.50%) 1 year to less than 18 months: 7.05% (Senior: 7.05%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 1 year to < 2 years: 7.25% (Senior: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 18 month to less than 2 years: 7.15% (Senior: 7.15%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 887 days: 7.25% (Senior: 7.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 2 years to < 3 years: 7.00% (Senior: 7.00%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 888 days · JKGB 888 days: 7.55% (Senior: 7.55%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 889 days to less than 3 years: 7.25% (Senior: 7.25%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years to less than 5 years: 7.20% (Senior: 7.20%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 5 years to 10 years: 7.25% (Senior: 7.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d1m2m3m6m6m9m1y1y540d2y2y888d889d3y5y Senior Senior Post Office TD Special scheme

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.

TenureGeneralSeniorTrendApplies toAs ofSource
07 days to 30 days
 3.50% 4.00% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
7–45 days
 3.00% 3.50% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
31 days to 45 days
 3.75% 4.25% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
46 days to 90 days
 5.00% 5.50% Below ₹1 crore
18 Sept 2026
official
46–90 days
 4.50% 5.50% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
91 days to 180 days
 5.50% 6.00% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
91–180 days
 5.50% 6.00% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
181 days to 270 days
 5.90% 6.40% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
181 days to < 1 year
 6.00% 6.50% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
271 days to less than 1 year
 6.00% 6.50% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
1 year to less than 18 months
 6.55% 7.05% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
1 year to < 2 years
 6.75% 7.25% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
18 month to less than 2 years
 6.65% 7.15% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
2 years to 887 days
 6.75% 7.25% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
2 years to < 3 years
 6.50% 7.00% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
888 days
JKGB 888 days
 7.05% 7.55% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
889 days to less than 3 years
 6.75% 7.25% Below ₹1 crore
18 Sept 2026
official
fetched 22 Sept 2026
3 years to less than 5 years
 6.70% 7.20% Below ₹1 crore
18 Sept 2026
official
3 years to < 5 years
 6.50% 7.20% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
5 years to 10 years
 6.75% 7.25% Below ₹1 crore
18 Sept 2026
official
5 years to 10 years
 6.25% 7.25% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
Source ↗

JKGB Fixed Deposit: frequently asked questions

What is the highest JKGB Fixed Deposit interest rate?

As of 5 Oct 2026, Jammu and Kashmir Grameen Bank offers up to 7.05% p.a. on its fixed deposit (FD) (888 days) for general customers and 7.55% p.a. (888 days) for senior citizens. Rates below are as published by the bank — confirm with JKGB before investing.

What is the JKGB 1 year FD interest rate?

As of 5 Oct 2026, Jammu and Kashmir Grameen Bank offers 6.75% p.a. on a 1-year FD for general customers and 7.25% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at JKGB?

Yes. Senior citizens (60+) earn up to 1.00% p.a. more than general customers at Jammu and Kashmir Grameen Bank, depending on the tenure.

Is my fixed deposit (FD) with JKGB insured?

Deposits with Jammu and Kashmir Grameen Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these JKGB rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 18 Sept 2026. Rates can change without notice, so verify on the official JKGB website before investing.

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Good to know

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.

official Effective 18 Sept 2026 · Ingested 22 Sept 2026 · View source

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