Jammu & Kashmir Bank

Private Sector

“Serving the Nation with Pride”

Jammu & Kashmir Bank (J&K Bank), established in 1938 and headquartered in Srinagar, is a unique Indian bank that functions as a state government bank for Jammu & Kashmir and Ladakh while also operating as a private scheduled commercial bank across the rest of India. As the premier banking institution of the J&K region, J&K Bank plays a pivotal role in the economic development of the Union Territories of Jammu & Kashmir and Ladakh, financing infrastructure, agriculture, SMEs, and individual customers. The bank offers a full suite of financial products including savings and current accounts, fixed deposits, home loans, personal loans, vehicle loans, agricultural credit, SME finance, corporate banking, trade finance, and investment services. J&K Bank is also a significant employer and contributor to the local economy of J&K, with deep trust built over eight decades of service. Digitally, the bank has invested significantly in mobile banking, internet banking, UPI, and NEFT/RTGS facilities. DICGC insured and RBI regulated, J&K Bank is listed on BSE and NSE and continues to expand its pan-India presence beyond the Union Territory. The bank's strategic priorities include accelerating digital adoption, improving asset quality, and expanding retail lending — positioning J&K Bank as a modern, resilient institution with strong regional roots.