Archive · 3 Aug 2026
J&K Bank vs Karnataka Bank: FD Rate Comparison
J&K Bank and Karnataka Bank are two banks in India that let people put their money in a special account called a fixed deposit.
J&K Bank usually gives higher interest rates, especially for longer terms, while Karnataka Bank offers slightly lower rates.
Both banks have a special tax‑saving deposit that gives a bit more interest.
The best rate for J&K Bank is 7.30% for regular customers and 7.80% for senior citizens on a 888‑day term.
Karnataka Bank’s best rate is 7.00% for regular customers and 7.40% for seniors on a 555‑day term.
If you put money in either bank, the government protects up to ₹5 lakh of your deposit.
J&K Bank offers FD rates from 3.50% to 7.30% for regular customers and 4.00% to 7.80% for seniors, with the highest 7.30% on an 888‑day tenure.
Karnataka Bank offers FD rates from 3.50% to 7.00% for regular customers and 3.75% to 7.40% for seniors, with the highest 7.00% on a 555‑day tenure.
J&K Bank generally provides higher rates across key tenures (1‑year, 3‑year, 5‑year, and tax‑saving) compared to Karnataka Bank.
Both banks offer tax‑saving fixed deposits: J&K 6.75% (regular) / 7.25% (senior), Karnataka 6.50% (regular) / 6.90% (senior).
Deposits are insured up to ₹5 lakh per depositor per bank by the Deposit Insurance and Credit Guarantee Corporation.
- Who
- J&K Bank and Karnataka Bank
- What
- Comparison of fixed deposit interest rates
- Where
- India
- Why
- To help investors choose the better rates
- Bank
- J&K Bank
- Highest Regular FD Rate
- 7.30%
- Highest Senior FD Rate
- 7.80%
- Highest Karnataka Regular FD Rate
- 7.00%
- Highest Karnataka Senior FD Rate
- 7.40%
- Tax Saver FD Rate (Regular)
- 6.75%
- Tax Saver FD Rate (Senior)
- 7.25%
- Deposit Insurance Limit
- ₹5 lakh per depositor per bank