FD rates in Jammu and Kashmir · November 2026

Q: Which bank has the highest FD rate in Jammu and Kashmir?

As of 14 Nov 2026, Utkarsh Small Finance Bank pays the highest FD rate among banks with a branch in Jammu and Kashmir: 8.10% a year for general depositors. Next are POSS at 7.50% and Bandhan at 7.45%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Jammu and Kashmir?

34 of the banks RateScan.in tracks have at least one branch in Jammu and Kashmir, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 29 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Jammu and Kashmir safe?

Deposits at RBI-licensed co-operative banks are insured by DICGC up to ₹5 lakh per depositor per bank, the same cover as at any other bank. Co-operative banks are smaller, and their higher rates reflect that, so check the bank's standing and keep your deposits at each bank within the insured amount.

34 banks with a branch in Jammu and Kashmir, ranked by their best fixed-deposit rate.

Banks in Jammu and Kashmir, ranked by FD rate

General public · below ₹3 crore · Dataset refreshed 14 Nov 2026

#	Bank	Rate	Applies to	Branches here
1	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	1
2	Post Office Savings Schemes Government Scheme	7.50%	5 years	1620
3	Bandhan Bank Private	7.45%	2 years to less than 3 years	4
4	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	3
5	Capital Small Finance Bank Small Finance	7.25%	600 days	3
6	IDFC First Bank Private	7.25%	500 days – 2 years	1
7	IndusInd Bank Private	7.25%	2 years to 3 years	30
8	Yes Bank Private	7.25%	18 months 1 day < 24 months	7
9	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	16
10	RBL Bank Private	7.00%	18 months to less than 60 months	1
11	The Devika Urban Co-operative Bank Ltd., Udhampur Co-op	7.00%	400 days · 400-day term deposit	1
12	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	17
13	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	13
14	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	12
15	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
16	Federal Bank Private	6.80%	18 months	1
17	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	13
18	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	5
19	Punjab National Bank Public	6.80%	680 days	138
20	South Indian Bank Private	6.80%	30 months	1
21	Canara Bank Public	6.75%	555 days ## · Canara 555	50
22	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	8
23	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	938
24	Jammu and Kashmir Grameen Bank Rural	6.75%	888 days · JKGB 888 days	–
25	The J&K State Co-operative Bank Ltd. Co-op	6.75%	2 years to less than 3 years	–
26	UCO Bank Public	6.70%	535 days · UCO 535	26
27	Bank of Maharashtra Public	6.65%	400 days · 400-day special	13
28	Axis Bank Private	6.60%	2 years < 3 years	58
29	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	123
30	ICICI Bank Private	6.60%	3 years 1 day to 5 years	91
31	The Citizens' Co-operative Bank Ltd., Jammu Co-op	6.60%	444 days · Amrit Vrishti (444 days)	–
32	IDBI Bank Private	6.55%	1100 days · 1100-day Special	6
33	Union Bank of India Public	6.55%	555 days · 555-Day Special	21
34	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	218

State

Tenure

Deposit amount

34 banks we track have a branch in Jammu and Kashmir. 5 of them are co-operative or regional rural banks, which often pay more than the big national banks. As of 14 Nov 2026, the highest FD rate here is 8.10% at Utkarsh Small Finance Bank.

Every rate comes from the bank's own page and is re-read daily. The table ranks each bank by its best rate for a general depositor below ₹3 crore; pick a tenure and amount in the filters to match your deposit. Deposits at these banks are covered by DICGC up to ₹5 lakh per depositor per bank. Branch counts come from RBI's IFSC list.

Best FD rate in Jammu and Kashmir by type of bank

The highest rate in each group, among banks with a branch here.

Public	Central Bank of India	7.00%	2222 days
Private	Bandhan Bank	7.45%	2 years to less than 3 years
Small Finance	Utkarsh Small Finance Bank	8.10%	666 days
Rural	Jammu and Kashmir Grameen Bank	6.75%	888 days
Co-op	The J&K State Co-operative Bank Ltd.	6.75%	2 years to less than 3 years
Co-op	The Devika Urban Co-operative Bank Ltd., Udhampur	7.00%	400 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

All places

Frequently Asked Questions

Which bank has the highest FD rate in Jammu and Kashmir?

As of 14 Nov 2026, Utkarsh Small Finance Bank pays the highest FD rate among banks with a branch in Jammu and Kashmir: 8.10% a year for general depositors. Next are POSS at 7.50% and Bandhan at 7.45%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Jammu and Kashmir?

34 of the banks RateScan.in tracks have at least one branch in Jammu and Kashmir, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 29 public, private, small finance and other banks.

Are FDs at co-operative banks in Jammu and Kashmir safe?

Deposits at RBI-licensed co-operative banks are insured by DICGC up to ₹5 lakh per depositor per bank, the same cover as at any other bank. Co-operative banks are smaller, and their higher rates reflect that, so check the bank's standing and keep your deposits at each bank within the insured amount.

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