Jammu & Kashmir Bank Home Loan
Interest rates from 8.75% p.a. (up to 9.85%) · EMI from ₹39,335/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Jammu & Kashmir Bank home loans
Regional private lender with affordable-housing schemes capped near 9.85%.
J&K Bank home loan EMI table (8.75% p.a.)
Monthly EMI at J&K Bank's minimum rate. Tap any amount for the full breakdown.
How much interest will a J&K Bank loan cost?
A ₹50 lakh J&K Bank home loan at 8.75% over 20 years means about ₹56.05 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare J&K Bank with other lenders →
J&K Bank home loan by city
Compare J&K Bank with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| J&K Bank (this page) | 8.75% | ₹44,186 |
| Federal | 8.75% | ₹44,186 |
| DCB | 8.75% | ₹44,186 |
| Karnataka Bank | 8.75% | ₹44,186 |
| Aditya Birla HF | 8.75% | ₹44,186 |
| IIFL Home | 8.75% | ₹44,186 |
| Sammaan Capital | 8.75% | ₹44,186 |
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Frequently Asked Questions
What is the Jammu & Kashmir Bank home loan interest rate in 2026?
Jammu & Kashmir Bank offers home loans starting at 8.75% p.a., going up to 9.85% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh J&K Bank home loan?
At 8.75% p.a., a ₹50 lakh J&K Bank home loan has an EMI of about ₹44,186 for 20 years — roughly ₹39,335 for 30 years and ₹49,972 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a J&K Bank home loan?
Jammu & Kashmir Bank's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a J&K Bank home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a J&K Bank home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Jammu & Kashmir Bank before applying. NestSaver is an information and planning service, not a lender.