The J&K State Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at J&K State Co-op Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
31 days to 45 days |
3.50% | 4.00% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
46 days to 90 days |
5.00% | 5.50% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
91 days to 180 days |
5.15% | 5.65% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
181 days to 270 days |
5.90% | 6.40% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
271 days to less than 1 year |
6.00% | 6.50% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
365 days |
6.55% | 7.05% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
366 days to less than 2 years |
6.70% | 7.20% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
2 years to less than 3 years |
6.75% | 7.25% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
3 years and above |
6.65% | 7.15% | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
126 months Khatoon scheme |
6.66% | – | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
129 months Double Money scheme |
6.50% | – | Any amount | unavailable ✓ verified 13 Nov 2026 | official fetched 11 Nov 2026 |
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J&K State Co-op Bank 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%- Doubles in 126 months (printed rate 6.657%); the page states no senior-citizen rate for the scheme
- Doubles in 129 months (printed rate 6.5002%); the page states no senior-citizen rate for the scheme
Before you book
J&K State Co-op Bank Fixed Deposit: frequently asked questions
What is the highest J&K State Co-op Bank Fixed Deposit interest rate?
As of 14 Nov 2026, The J&K State Co-operative Bank Ltd. offers up to 6.75% p.a. on its fixed deposit (FD) (2 years to less than 3 years) for general customers and 7.25% p.a. (2 years to less than 3 years) for senior citizens. Rates below are as published by the bank. Confirm with J&K State Co-op Bank before investing.
What is the J&K State Co-op Bank 1-year FD interest rate?
As of 14 Nov 2026, The J&K State Co-operative Bank Ltd. 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 unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the J&K State Co-op Bank 2-year FD interest rate?
As of 14 Nov 2026, The J&K State Co-operative Bank Ltd. offers 6.75% p.a. on a 2-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the J&K State Co-op Bank 3-year FD interest rate?
As of 14 Nov 2026, The J&K State Co-operative Bank Ltd. offers 6.65% p.a. on a 3-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the J&K State Co-op Bank 5-year FD interest rate?
As of 14 Nov 2026, The J&K State Co-operative Bank Ltd. offers 6.65% p.a. on a 5-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at J&K State Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The J&K State Co-operative Bank Ltd., depending on the tenure.
When did J&K State Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The J&K State Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 11 Nov 2026.
What fixed deposit (FD) tenures does J&K State Co-op Bank offer?
The J&K State Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 9 tenure bands, from “31 days to 45 days” to “3 years and above”.
Does J&K State Co-op Bank have special fixed deposit (FD) schemes?
The J&K State Co-operative Bank Ltd.'s rate table lists these named schemes (2): Khatoon scheme; Double Money scheme. Check eligibility and end dates with the bank.
Does J&K State Co-op Bank pay more than the Post Office Time Deposit?
The J&K State Co-operative Bank Ltd. 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 6.75% (PO 7.00%), 3y 6.65% (PO 7.10%), 5y 6.65% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does J&K State Co-op Bank's 1-year FD rate rank?
The J&K State Co-operative Bank Ltd.'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 J&K State Co-op Bank insured?
Deposits with The J&K State Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these J&K State Co-op Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026. Rates can change without notice, so verify on the official J&K State Co-op Bank website before investing.
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Good to know
- Deposits with The J&K State Co-operative Bank Ltd. 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 State Co-op Bank is a state co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at J&K State Co-op Bank, depending on the tenure.
- J&K State Co-op Bank's FD table includes 2 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official J&K State Co-op 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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