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, the NSE as well as on BSE and has its Corporate Headquarters at Srinagar. J&K Bank is designated by Reserve Bank of India (RBI) as its exclusive agent for carrying out banking business for the UT Governments of Jammu & Kashmir and Ladakh.
• With a presence across 18 states & 4 Union Territories, J&K Bank caters to banking requirements of diverse customer segments, including 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, housing and gold loans), working capital loans, agriculture loans, trade credit, and consumer lending. These products are tailored to the financial needs of various customer segments spread across the country.
• 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). 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 61.13% in banking business as on March 31, 2026. In terms of branch network, the Bank has a vast network of branches which account for 37.39% of total branches of all the banks operating in J&K and Ladakh as on March 31, 2026.
• 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 the 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 March 2025.

• The Bank has been conferred with the prestigious ‘Excellence in Continuous Professional Development’ Award by the Indian Institute of Banking & Finance (IIBF).
• Bank won Gold at the Finacle Innovation Awards 2026 in the category “Modern Technologies-led Innovation – Data Insights & Analytics Platform”.
• Honoured as the Second Best Performed Bank at National Level, under Private Sector Banks (large category) for the Year 2024 – 25 by State Forum of Bankers Clubs Kerala (SFBCK)
• 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 in the category covering the Northeastern Region, Jammu and Kashmir, and Ladakh.
• 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.
• The 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 March 31, 2026.
• The Bank has a network of 1008 branches, 23 extension counters, 1437 ATMs and 173 CRMs as on March 31, 2026 spread over 18 states and 4 UTs across the country. Out of 1,008 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, the Bank has 99 Ultra Small Branches (known as Easy Banking Units-EBUs) in 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 and 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
• 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 & Non-life Insurance Partners:
  • Life Insurance
    • PNB MetLife India Insurance Company Limited
    • Life Insurance Corporation of India (LIC)
    • Bajaj Life Insurance Limited (BLIL)
  • Non-life
    • Bajaj General Insurance Limited (BGIL)
    • IFFCO Tokio General Insurance Company Limited
    • New India Assurance Company Limited

 “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

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