About Us

• Jammu & Kashmir Bank Limited, (J&K Bank) is a Scheduled Commercial Bank and one of the oldest private sector banks in India, incorporated in 1938. J&K Bank is listed on both the stock exchanges, NSE as well as on BSE and has its Corporate Headquarters at Srinagar. J&K Bank is a leading bank in the Union Territories of Jammu & Kashmir and Ladakh with extensive network of banking outlets through its branches, EBUs (Ultra-small branches) and alternate digital channels (ATMs & CRMs).
• Bank functions as a universal bank in its core geographies and as a specialized bank in rest of the country. J&K Bank is designated by Reserve Bank of India (RBI) as its exclusive agent for carrying out banking business for the Government of UTs of Jammu & Kashmir and Ladakh. J&K Bank caters to banking requirements of different customer segments which include Business establishments, employees of government, semi-government and autonomous bodies, farmers, artisans, public sector organizations and corporate clients. The Bank offers a wide range of credit products, including retail credit (personal, car, and housing loans), working capital loans, agriculture loans, trade credit, and consumer lending. These products are tailored to the unique financial needs of various customer segments.
• Guided by its motto, “Serving to Empower,” J&K Bank operates at the heart of the region’s financial ecosystem—fostering financial empowerment, promoting inclusive banking and building enduring relationships with customers, institutions, and the Government.  
   

• J&K Bank is the major financial player in the UTs of Jammu & Kashmir and Ladakh holding a leading market share of 61.24% under banking business as on September 30, 2025. In terms of branch network, Bank has a vast network of branches which account for 37.50% of total branches of all the banks operating in the twin UTs of J&K and Ladakh as on September 30, 2025.
• Designated as RBI’s agent for carrying out banking business for the Government of UTs of J&K and Ladakh.
• Authorized to collect central taxes for CBDT
• Nodal Bank for PFMS in UTs of J&K and Ladakh.
• Convenor of Union Territory Level Banker’s Committee (UTLBC) in UT of J&K
• Acting as lead bank in 12 districts of J&K.
• Unique and competitive position within UTs of J&K and Ladakh due to its strong market presence.
• Account base of around 21 Million and customer base of around 12.5 Million as on 31 December 2025.
   

•  Bank won the prestigious 'Best MSME Bank - Winner' award at the MSME Banking Excellence Awards 2025.
   Secured Runner-Up position in the 'CSR Initiative & Business Responsibility' category at the MSME Banking Excellence Awards 2025.
• Honoured with prestigious SKOCH ‘Silver Award’ at 103rd SKOCH Summit under ‘Financial Performance’ category for “Improving Financial Performance / Profitability of the Bank”.
• Awarded by the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) for securing the highest number of guarantees under the CGTMSE scheme during FY 2024-25.
• Bagged four major awards at the prestigious IBA CISO Summit & Citations – 2025 that included:
   Cyber Security Transformation of the Year Award,
   Cyber Security Compliance Champion Award, 
   Cyber Security Team of the Year Award 
   Special Prize for Cyber Security Incident Response Mastery.
•  Bank’s Chief Information Security Officer (CISO) won prestigious ‘CISO of the Year’ Award at Enterprise Security Connect (ESCON) 2025 – South Asia’s premier cybersecurity summit.
• Honoured with the 'Best Innovation in Digital Lending' award at the 1st Indian PSU Achievers' Awards 2025
• Awarded Best Digital Sales, Payments’ Award at 20th IBA Annual Banking Technology Conference 2024
• Awarded Best Bank for Creating Awareness among MSMEs (Private Sector) at MSME Banking Excellence Awards-2024
   Awarded prestigious SKOCH Gold Award 2024 under “Corporate Governance”
• Awarded "Best Performance on Profitability“ award at 2nd  ICC Emerging Asia Banking Conclave & Awards 2024
•  Awarded 'Outstanding Performance Award' for agriculture financing at the 15th Agriculture Leadership Conclave
• Honoured with 'Award of Excellence' for enrolling the maximum number of APY beneficiaries
   

•  Government of Jammu & Kashmir & Ladakh holds majority shareholding of 59.40% in the Bank as on September 30, 2025. 
• Bank has a network of 1008 branches, 1436 ATMs and 169 CRMs as on December 31, 2025 spread over 18 states and 4 UTs across the country. Out of 1008 Branches, 835 are operating in the UT of J&K, 37 in UT of Ladakh and 136 are operating outside the UTs of J&K and Ladakh. Besides, Bank has 99 Ultra Small Branches (known as Easy Banking Units-EBUs) in UTs of J&K and Ladakh.
• J&K Bank occupies a unique and dominant position within Jammu and Kashmir due to its strong market presence and status as exclusive agent designated by the Reserve Bank of India for carrying out banking business for the Government of Jammu and Kashmir and its government owned institutions and departments.
• With a significant number of branches operating within Jammu and Kashmir and Ladakh, J&K Bank stands as a steadfast pillar of economic progress & prosperity in Jammu & Kashmir and Ladakh.
• The Bank collects tax revenues within the UTs of J&K and Ladakh for the central Government on behalf of the Central Board of Direct Taxes and Central Board of Excise and Customs, and works with the UT Government of J&K & Ladakh in the implementation of a number of flagship initiatives involving employment of youth, women empowerment etc.
   

• Sponsor of Jammu and Kashmir Grameen Bank (under One Nation One RRB)
• JKB Financial Services Limited (Fully-owned subsidiary by J & K Bank)
• Services offered at JKBFSL:
      Depository Services
      Stock Broking Services
      Distribution of Mutual funds
      IPOs, ETFs etc.
      Tax Planning 
      Retirement Solutions and other financial services.
• Life Insurance & Non-life Insurance Partners:
  1.    Life Insurance Corporation (LIC) - Life Insurance.
  2.    PNB - Metlife Life Insurance
  3.    Bajaj Life for Life Insurance.
  4.    Bajaj General Insurance.
  5.    Iffco-Tokio General Insurance.
  6.    New India Assurance General Insurance.
   

 “Pioneering the economic and social transformation “.
“To become a committed partner in fostering economic and social transformation across the country through a deep commitment to value creation for all our stakeholders, while continuing to build on our historic business relationship with Jammu & Kashmir and Ladakh. Besides, the  Bank operates on the principle of 'socially empowering banking' and endeavors  to deliver innovative financial solutions to all segments of the society which include household, small and medium enterprises etc.”

• To acquire an enhanced business footprint across geographies and emerge as a prominent national brand in the financial sector.
• To position the Bank as the “Most Preferred Bank” for Customer focus, Operational Excellence and High Integrity towards one and all stakeholders.
• To be the best-in-class financial intermediary, leveraging our digital and physical banking channels;
• To observe customer centricity through service excellence, integrity and transparency, and a comprehensive range of innovative products and services responsive to customer needs.
• To be a lean, learning and efficient banking organization focusing on prudent, sustainable, profitable growth and value creation.
• To adopt the best standards for corporate governance, business ethics and risk management.
• To vigorously promote financial inclusion as a business proposition to harness the potential at the bottom of the pyramid.

Registered Office
M A Road
Srinagar 190 001
Jammu & Kashmir

Corporate Headquarters
M A Road
Srinagar 190 001
Jammu & Kashmir
https://www.jkbank.com

• Click here to Download Organizational Structure.