Welcome to Jammu & Kashmir Bank
Empowering every Indian with modern digital banking solutions — from savings to investments, all in one secure place.
About Jammu & Kashmir Bank
Jammu & Kashmir Bank, established on 1 October 1938, is a unique state-owned private sector bank headquartered in Srinagar, Jammu and Kashmir. The bank provides a wide range of banking and financial services to individuals, businesses, and government entities. Notably, J&K Bank holds the distinction of being the first bank appointed as an agent of the Reserve Bank of India (RBI) to handle government-related banking operations in the region.
Deposit Account
A Savings Account can be opened by individuals (single or joint), parents for minors, and by literate minors aged 10+.
A Current Account with J&K Bank can be opened easily, and customers are required to maintain a minimum Average Monthly Balance (AMB) of ₹4,000.
Loan
This housing loan offers eligible customers financial support to buy a new home, construct a house, or renovate/repair an existing property.
A Car Loan is offered with flexible repayment options, allowing borrowers to choose a tenure between 12 to 84 months with convenient equated monthly installments (EMIs).
Investment
J&K Bank’s Fixed Deposit starts with a minimum investment of ₹100 and offers flexible tenures ranging from 7 days to 10 years.
J&K Bank’s Recurring Deposit starts with a minimum monthly deposit of ₹50 and offers repayment tenures from 6 months to 10 years.
Cards
Banking
With this physical document, customers can easily view a detailed summary of their transactions and check their J&K Bank account balance.
J&K Bank enables its customers to access fully functional banking services on their smartphones absolutely free of cost.
J&K Bank’s net banking services allow users to carry out all major banking activities conveniently from the comfort of their homes.
For J&K Bank balance enquiry via SMS, customers can simply send an SMS to quickly check their account balance.