Private bank · typically 60 years and above
Jammu & Kashmir Bank Senior Citizen rates
The highest senior citizen rate Jammu & Kashmir Bank publishes today is 7.80% for 888 Days. All 14 published terms are below, exactly as the bank states them.
Effective from 11 Jul 2026 — the date Jammu & Kashmir Bank published these rates, not the date we read them.
Published terms
14
distinct rows on the bank’s own rate card
Rate range
4.00% – 7.80%
lowest to highest across all terms
Senior citizen premium
+50 bps
extra rate over the general card, by term
Bank type
Private
as classified by the RBI
Fixed deposit · 13 terms
Source: Jammu & Kashmir Bank interest-rate page| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 7 to 30 Days | 4.00% | 3.50% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 31 to 45 Days | 4.25% | 3.75% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 46 to 90 Days | 5.50% | 5.00% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 91 to 180 Days | 6.00% | 5.50% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 181 to 270 Days | 6.40% | 5.90% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 271 Days to < 1 Year | 6.50% | 6.00% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 1 Year to < 18 Months | 7.30% | 6.80% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 18 Months to < 2 Years | 7.20% | 6.70% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 2 Years to 887 Days | 7.25% | 6.75% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 888 Days | 7.80% | 7.30% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 889 Days to < 3 Years | 7.25% | 6.75% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 3 to < 5 Years | 7.30% | 6.80% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
| 5 to 10 Years | 7.35% | 6.85% | +50 bps | ₹100 – ₹3.00 Cr | 11 Jul 2026 |
Other fixed deposits at Jammu & Kashmir Bank
Same bank, different rules on breaking the deposit and on tax. Each carries its own rate card, its own effective date, and a link to the page it came from.
Non-callable fixed deposit
Source: Jammu & Kashmir Bank interest-rate page — the bank's general rate page, not a dedicated oneCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
Tax-saver fixed deposit
Source: Jammu & Kashmir Bank tax-saver fixed deposit pageQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Senior Citizen rate | General | Premium | Amount | Effective |
|---|---|---|---|---|---|
| 5 to 10 Years | 7.35% | 6.85% | +50 bps | ₹1,000 – ₹1.50 L | 11 Jul 2026 |
Opening a fixed deposit with Jammu & Kashmir Bank
Jammu & Kashmir Bank publishes 14 separate terms for senior citizens, starting from ₹100. The highest is 7.80% at 888 Days.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 7 to 30 Days, and asking for a round number instead can put you in a lower bucket. The rate you get is the one printed against the term you actually book.
You can usually open a deposit inside JKB mPay, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by Jammu & Kashmir Bank and change without notice, so read their deposit terms & conditions. We publish rates, not advice.