Banking and Financial Inclusion
J&K Bank, State Bank of India, other commercial banks, Regional Rural Banks and Cooperative Banks serve the UT. The State Level Bankers' Committee (SLBC) reviews the Annual Credit Plan.
| Indicator (September 2025) | Figure |
|---|---|
| Banks / institutions | 37 |
| Branches / BCs / ATMs | 2,216 / 9,122 / 2,669 |
| Banking touch points | 14,007 (13,723 in March 2025) |
| People per branch / area per branch | 5,535 / 19.06 sq km |
| Total deposits | Rs 2,03,524 crore |
| Total advances | Rs 1,28,073 crore |
| Credit-Deposit ratio | 62.93% (62.83% in 2024-25) |
| Gross NPA | 3.26% (3.9% in March 2025) |
| Jan Dhan accounts | 23.10 lakh (24.11.2025) |
| Active Kisan Credit Cards | 11.40 lakh (Rs 10,421 crore limit) |
| SHG credit linkage | 65,570 SHGs, Rs 2,778.45 crore; women get 99.02% |
| MUDRA | Rs 4,231.50 crore to 1,95,880 borrowers in 2025-26 (up to September), up 25% |
| Social security | PMSBY 28.09 lakh, PMJJBY 11.26 lakh, APY 2.83 lakh |
Lead banks
- J&K Bank: lead bank of 12 districts: all 10 districts of Kashmir plus Rajouri and Poonch.
- State Bank of India: lead bank of 8 districts: Jammu, Samba, Udhampur, Reasi, Kathua, Doda, Ramban, Kishtwar.
Keep practising
Notes are only half the work. Test yourself with questions and discuss doubts with other aspirants.
Prepared for exam revision from the J&K Economic Survey 2025-26, J&K Budget 2026-27, PRS Legislative Research, NITI Aayog and replies in Parliament and the Legislative Assembly. Figures are advance estimates or latest available and official replies sometimes differ, so check the latest Economic Survey and Budget before relying on them. Found a mistake? Tell us.