J&K Bank FD Rates Revised, Seniors Can Receive Up To 7.25 Per Cent

Higher crude oil prices, inflation, and other macroeconomic factors led to a hike in the repo rate recently, which would lead to higher lending and deposit rates. The Reserve Bank of India’s (RBI’s) 25 basis points (bps) hike in the repo rate to 5.50 per cent recently has resulted in a hike in lending rates in many banks; however, in the case of deposit rates, only J&K Bank revised its fixed deposit (FD) rates during the week ended October 10, 2026.

Here are J&K Bank’s FD rate details for senior citizens.

J&K Bank

This bank revised its FD rates on October 8, 2026, by increasing the rates for a few tenures and reducing them for the others. Effective from the revision date, senior citizens (60 years and above) can avail of a maximum of 7.25 per cent, and super senior citizens (80 years and above) can get up to 7.50 per cent in their deposits.

FD Rates For Senior Citizens

• 4.00 per cent for 7-30 days

• 4.25 per cent for 31-45 days

• 5.50 per cent for 46-90 days

• 6.00 per cent for 91-180 days

• 6.40 per cent for 181-270 days

• 6.50 per cent for 271 days to less than one year

• 7.05 per cent for one year to less than 18 months

• 7.15 per cent for 18 months to less than two years

• 7.20 per cent for 2 years to 887 days

• 7.25 per cent for 888 days

• 7.20 per cent for 889 days to less than 3 years

• 7.20 per cent for 3 years to less than 5 years

• 7.25 per cent for 5-10 years

FD Rates For Super Senior Citizens

• 4.25 per cent for 7-30 days

• 4.50 per cent for 31-45 days

• 5.75 per cent for 46-90 days

• 6.25 per cent for 91-180 days

• 6.65 per cent for 181-270 days

• 6.75 per cent for 271 days to less than one year

• 7.30 per cent for one year to less than 18 months

• 7.40 per cent for 18 months to less than two years

• 7.45 per cent for 2 years to 887 days

• 7.50 per cent for 888 days

• 7.45 per cent for 889 days to less than 3 years

• 7.45 per cent for 3 years to less than 5 years

• 7.50 per cent for 5-10 years

These FD rates are for callable FDs valued less than Rs 3 crore.