Jammu and Kashmir Grameen Bank Fixed Deposit interest rates · November 2026
What will my FD earn at JKGB?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
07 days to 30 days |
3.50% | 4.00% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
31 days to 45 days |
3.75% | 4.25% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
46 days to 90 days |
5.00% | 5.50% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 18 Oct 2026 |
91 days to 180 days |
5.50% | 6.00% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
181 days to 270 days |
5.90% | 6.40% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
271 days to less than 1 year |
6.00% | 6.50% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
1 year to less than 18 months |
6.55% | 7.05% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
18 month to less than 2 years |
6.65% | 7.15% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
2 years to 887 days |
6.70% | 7.20% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 18 Oct 2026 |
888 days JKGB 888 days |
6.75% | 7.25% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 18 Oct 2026 |
889 days to less than 5 years 2 slabs at this rate |
6.70% | 7.20% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 18 Oct 2026 |
5 years to 10 years |
6.75% | 7.25% | Below ₹1 crore | 13 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 18 Oct 2026 |
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JKGB 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
6.55%Before you book
JKGB Fixed Deposit: frequently asked questions
What is the highest JKGB Fixed Deposit interest rate?
As of 14 Nov 2026, Jammu and Kashmir Grameen Bank offers up to 6.75% p.a. on its fixed deposit (FD) (888 days) for general customers and 7.25% 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 14 Nov 2026, Jammu and Kashmir Grameen Bank offers 6.55% p.a. on a 1-year FD for general customers and 7.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the JKGB 2-year FD interest rate?
As of 14 Nov 2026, Jammu and Kashmir Grameen Bank offers 6.70% p.a. on a 2-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the JKGB 3-year FD interest rate?
As of 14 Nov 2026, Jammu and Kashmir Grameen Bank offers 6.70% p.a. on a 3-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the JKGB 5-year FD interest rate?
As of 14 Nov 2026, Jammu and Kashmir Grameen Bank offers 6.75% p.a. on a 5-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at JKGB?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Jammu and Kashmir Grameen Bank, depending on the tenure.
When did JKGB last change its Fixed Deposit rates?
Jammu and Kashmir Grameen Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 18 Oct 2026: the general rate for 5 years to 10 years went from 6.25% to 6.75%. RateScan.in has tracked JKGB's rates since 22 Sept 2026.
What fixed deposit (FD) tenures does JKGB offer?
Jammu and Kashmir Grameen Bank's published fixed deposit (FD) rate table has 12 tenure bands, from “07 days to 30 days” to “5 years to 10 years”.
Does JKGB have special fixed deposit (FD) schemes?
Jammu and Kashmir Grameen Bank's rate table lists these named schemes (1): JKGB 888 days. Check eligibility and end dates with the bank.
Does JKGB pay more than the Post Office Time Deposit?
Jammu and Kashmir Grameen Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.55% (PO 6.90%), 2y 6.70% (PO 7.00%), 3y 6.70% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does JKGB's 1-year FD rate rank?
Jammu and Kashmir Grameen Bank's 1-year general FD rate of 6.55% ranks #583 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 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 14 Nov 2026; the bank's rates shown here are effective 13 Oct 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 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.
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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