J&K Bank Recruitment 2026: 1,356 Vacancies for Probationary Officers & Banking Associates

Jammu & Kashmir Bank has announced two recruitment notifications from its Corporate Headquarters, Srinagar: 323 posts of Probationary Officer (PO) and 1,033 posts of Banking Associate (BA), making 1,356 vacancies in total. The online examinations will be conducted by IBPS. Applications open on 7 November 2026 and close on 26 November 2026. Only domiciles of J&K UT can apply.

Recruitment at a Glance

Eligibility (Both Posts)

Domicile: Valid domicile certificate of J&K UT is mandatory for selected candidates.

Age: 20 to 30 years as on 01-01-2026, i.e. born not earlier than 01-01-1996 and not later than 01-01-2006 (both dates inclusive).

Qualification: Graduation in any discipline from a university recognised by the Government of India (or an equivalent qualification recognised by the Centre/UGC), as on the last date of registration. Candidates must enter their graduation percentage (to two decimals) in the application.

Age Relaxation & Reservation

Reservation follows the J&K Reservation Rules, 2005 (as amended), including S.O. 176 dated 15 March 2024. A valid reserved-category certificate is required on the date of registration, and the category cannot be changed after registration.

Probationary Officer (PO): 323 Posts

The PO selection has three stages:

• Stage 1: Preliminary Examination
• Stage 2: Mains Examination. Candidates numbering 10 times the vacancies in each category are shortlisted from the Preliminary.
• Stage 3: Interview. 3 times the vacancies are called, based on Mains performance.

Detailed PO exam pattern, fee and pay scale are given in the separate PO notification on the bank’s website. We will update this post once the full PO notification is reviewed.

Banking Associate (BA): 1,033 Posts

Exam Pattern (Online, 60 Minutes)

• Each test is separately timed, and candidates must qualify in all three tests.
• Negative marking: ¼ of the marks for each wrong answer. No penalty for unattempted questions.
• Minimum aggregate qualifying marks: 40% (General) and 35% (reserved categories), subject to overall merit.
• Medium of the exam: English.
• Selection is based only on the online exam score. Ties are broken in favour of the older candidate.

Application Fee

• ₹600 + GST: SC / ST / SEBC / PwBD / ESM candidates
• ₹800 + GST: All others

Payment is online only (debit/credit card, net banking, IMPS, cash cards/wallets). Bank transaction charges are borne by the candidate. Fee once paid is not refundable.

Pay, Posting & Service Conditions

• Starting basic pay: ₹24,050 (scale 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680-64480) plus applicable perks.
• Zonal posting: Selected candidates must remain in the zone initially allotted for a minimum of 5 years, with no transfer outside the zone before that.
• Probation: 6 months (extendable by up to 3 months). Joining time is capped at 45 days.
• Bond: ₹1 lakh bond to serve the bank for a minimum of 6 months.

Benefit for Bank Apprentices

Domiciles of J&K who have successfully completed apprenticeship training with J&K Bank get an extra 1 year age relaxation (over and above category relaxation) and bonus marks equal to 2.5% of the maximum marks in the online exam.

Exam Centres

Candidates must choose six centres, at least three of them outside J&K. Within J&K: Srinagar, Jammu, Pulwama, Baramulla and Samba. Outside J&K: Delhi NCR, Patiala, Mohali, Phagwara, Amritsar, Pathankot, Jalandhar, Bengaluru, Ludhiana and others. The bank may allot a centre other than those chosen, and no request for change of centre, date or session is entertained.

How to Apply

1. Visit jkb.bank.in and open the notification under the Careers tab.
2. Click Apply Online and choose New Registration. Note down your provisional registration number and password.
3. Fill in the form, upload your photo, signature, left thumb impression and handwritten declaration, and preview everything.
4. Click Complete Registration only after checking all details. Nothing can be changed afterwards.
5. Pay the fee online and keep a printout of the e-receipt and application form.

Documents to Upload (BA Notification)

• Photograph: 4.5 cm × 3.5 cm, JPG/JPEG, 20–50 KB, plus a live photo captured during registration.
• Signature: black ink, JPG/JPEG, 10–20 KB. Signatures in capital letters are not accepted.
• Left thumb impression: JPG/JPEG, 20–50 KB.
• Handwritten declaration in English (black ink, your own handwriting): JPG/JPEG, 50–100 KB.
• 10th certificate, graduation certificate, and (if applicable) apprenticeship, ex-servicemen, disability and scribe-related certificates, as PDF files under 500 KB each.

Important Points to Remember

• Apply only once. If you submit multiple applications, only the latest completed one is kept and the other fees are forfeited.
• Your name must match your ID proof and certificates exactly.
• Use a personal email ID and mobile number that stay active throughout the process, because call letters and updates are sent only there.
• Every candidate must submit a self-declaration of character and antecedents. The bank can cancel candidature for material misrepresentation or a conviction involving moral turpitude.
• Education, age, domicile and category certificates will be verified before appointment, and appointment is subject to medical fitness.
• Don’t wait for the last date. Website slowdowns near the deadline are the candidate’s risk.
• Mobile phones, watches, calculators, jewellery, belts, caps and any metallic items are not allowed inside the exam centre.

Frequently Asked Questions (FAQs)

1. How many vacancies are there in J&K Bank Recruitment 2026?

There are 1,356 vacancies in total: 323 for Probationary Officer (PO) and 1,033 for Banking Associate (BA).

2. When can I apply for J&K Bank PO and BA posts?

Online registration and fee payment run from 7 November 2026 to 26 November 2026.

3. Where do I apply?

Apply online only, through the Careers tab at jkb.bank.in. No other mode of application is accepted.

4. Who can apply for J&K Bank recruitment 2026?

Only domiciles of the UT of Jammu & Kashmir can apply. A valid domicile certificate is mandatory for selected candidates.

5. What is the educational qualification required?

Graduation in any discipline from a university recognised by the Government of India (or an equivalent qualification recognised by the Centre/UGC), as on the last date of registration. You must enter your graduation percentage to two decimals in the application.

6. What is the age limit?

20 to 30 years as on 01-01-2026. You must be born not earlier than 01-01-1996 and not later than 01-01-2006 (both dates inclusive).

7. What is the age relaxation for reserved categories?

SC/ST: 5 years. OBC, LoC/IB residents and Backward Area residents: 3 years. EWS: Nil. Persons with Benchmark Disabilities: 10 years. Ex-Servicemen: service rendered plus 3 years (maximum 48 years).

8. What is the total reservation in J&K Bank recruitment?

Vertical reservation totals 60%: SC 8%, ST 20%, OBC 8%, LoC/IB 4%, Backward Areas 10% and EWS 10%. The remaining 40% is Open Merit. Ex-Servicemen (6%) and PwBD (4%) are horizontal reservations that cut across these categories.

9. Which agency conducts the exam?

The online examinations will be conducted by IBPS.

10. What is the selection process for Probationary Officer (PO)?

There are three stages: Preliminary Examination, Mains Examination and Interview. Candidates equal to 10 times the vacancies in each category are shortlisted from the Preliminary for the Mains. Candidates equal to 3 times the vacancies are then called for the Interview based on Mains performance.

11. What is the selection process for Banking Associate (BA)?

Selection is based only on the online exam score. There is no interview for BA. Ties are broken in favour of the older candidate.

12. What is the exam pattern for Banking Associate?

The online exam is 60 minutes with 100 questions for 100 marks: English Language (30 questions, 30 marks, 20 min), Quantitative Aptitude (35 questions, 30 marks, 20 min) and Reasoning Ability (35 questions, 40 marks, 20 min). Each test is separately timed.

13. Is there negative marking?

Yes. For BA, ¼ of the marks are deducted for each wrong answer. There is no penalty for unattempted questions.

14. What are the minimum qualifying marks for BA?

You must qualify in all three tests. The minimum aggregate is 40% for General and 35% for reserved categories, subject to overall merit.

15. In which language will the exam be conducted?

The BA exam medium is English.

16. What is the application fee?

For Banking Associate: ₹600 + GST for SC/ST/SEBC/PwBD/ESM candidates and ₹800 + GST for all others. The fee is paid online and is not refundable. The PO fee is given in the separate PO notification on jkb.bank.in.

17. What is the salary of a Banking Associate at J&K Bank?

The starting basic pay is ₹24,050 (scale 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680-64480) plus applicable perks.

18. What is the PO salary?

The PO pay scale is given in the separate PO notification on the bank’s website. We will update this post after reviewing it.

19. Is there a bond or minimum service period?

Yes. Selected BA candidates must sign a ₹1 lakh bond to serve the bank for a minimum of 6 months. They must also stay in the initially allotted zone for at least 5 years, with no transfer outside the zone before that.

20. What is the probation period?

Probation is 6 months, extendable by up to 3 months. Joining time is capped at 45 days.

21. Is there any benefit for bank apprentices?

Yes. J&K domiciles who completed apprenticeship training with J&K Bank get 1 extra year of age relaxation (over and above category relaxation) and bonus marks equal to 2.5% of the maximum marks in the online exam.

22. How many exam centres can I choose?

You must choose six centres, with at least three outside J&K. Centres in J&K include Srinagar, Jammu, Pulwama, Baramulla and Samba. Outside J&K, they include Delhi NCR, Patiala, Mohali, Phagwara, Amritsar, Pathankot, Jalandhar, Bengaluru and Ludhiana. The bank may allot a different centre, and requests to change centre, date or session are not entertained.

23. Which documents do I need to upload?

Photograph (4.5 cm × 3.5 cm, 20–50 KB) plus a live photo, signature (10–20 KB, not in capital letters), left thumb impression (20–50 KB), handwritten declaration in English (50–100 KB), and 10th and graduation certificates as PDFs under 500 KB each. Apprenticeship, ex-servicemen, disability and scribe certificates are needed if applicable.

24. Can I apply more than once?

You should apply only once. If you submit multiple applications, only the latest completed one is kept and the other fees are forfeited.

25. Can I change my category or details after registration?

No. Your category cannot be changed after registration, and nothing can be edited after you click Complete Registration. Check all details before submitting.

26. What are the exam dates, admit card date and result date?

These have not been announced yet. They will be notified separately on jkb.bank.in, and we will update this post.

27. What items are not allowed inside the exam centre?

Mobile phones, watches, calculators, jewellery, belts, caps and any metallic items are not allowed.

28. Where can I find the official notification?

Both the PO and BA notification PDFs are on the Careers page at jkb.bank.in.

29. What is the in-hand salary of a Banking Associate at J&K Bank?

The starting basic pay is ₹24,050 per month, plus applicable perks. The bank has not announced an official in-hand figure. As an approximate estimate, the take-home salary of a new Banking Associate is around ₹32,000 to ₹38,000 per month after allowances and deductions. The actual amount depends on Dearness Allowance, other allowances, deductions such as provident fund and tax, and your posting location. This is an estimate and not an official figure.

30. What is the in-hand salary of a Probationary Officer (PO) at J&K Bank?

The PO pay scale and perks are given in the separate PO notification on jkb.bank.in. The bank has not announced an official in-hand figure. As an approximate estimate, a new PO can expect roughly ₹48,000 to ₹56,000 per month in hand, depending on the basic pay, allowances, deductions and posting location. This is an estimate and not an official figure, and we will update it after reviewing the full PO notification.

Important Links

Official Website: https://jkb.bank.in/ (Careers tab)
Apply Online: Available from 07-11-2026 on the Careers page
Official Notification PDFs (PO & BA): Available on the Careers page

Disclaimer: This post is a summary prepared by JKEdusphere for information only. Candidates must read the full official notifications on jkb.bank.in before applying. The bank may change any detail, and all updates will be published only on its official website.

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