Jammu & Kashmir Bank Ltd. (J&K Bank) has released four notifications (Nos. JKB/HR/Rectt/2026-492 to 495) for 1,397 posts – 343 Probationary Officers (PO) and 1,054 Banking Associates (Clerk) – for the Union Territories of Jammu & Kashmir and Ladakh. Only domiciles of the respective UT can apply.
Graduates in any discipline aged 20–30 years (as on 1 January 2026) can apply online from 7 to 26 November 2026. The online exams will be conducted by IBPS. Banking Associates are selected through a single online exam, while POs go through Prelims, Mains and Interview. Starting basic pay is ₹48,480 for PO and ₹24,050 for Banking Associate.
J&K Bank Recruitment 2026 – Overview
| Detail | Information |
|---|---|
| Organisation | Jammu & Kashmir Bank Ltd. |
| Notifications | JKB/HR/Rectt/2026-492, 493, 494, 495 |
| Posts | Probationary Officer, Banking Associate (Clerk) |
| Total Vacancies | 1,397 (PO 343 + Banking Associate 1,054) |
| Who Can Apply | Domiciles of UT of J&K or UT of Ladakh (as per notification) |
| Qualification | Graduation in any discipline |
| Age Limit | 20–30 years (as on 1 January 2026) |
| Salary (Basic) | PO ₹48,480; Banking Associate ₹24,050 |
| Exam Conducted By | IBPS |
| Application Dates | 7 – 26 November 2026 |
| Official Websites | jkb.bank.in, ibpsreg.ibps.in |
Important Dates
| Event | Date |
|---|---|
| Notifications released | 6–7 November 2026 |
| Online application starts | 7 November 2026 |
| Last date to apply and pay fee | 26 November 2026 |
| Exam dates (Clerk, PO Prelims, Mains) | To be announced |
Vacancy Details
| Post | UT of J&K | UT of Ladakh | Total |
|---|---|---|---|
| Banking Associate (Clerk) | 1,033 | 21 | 1,054 |
| Probationary Officer (PO) | 323 | 20 | 343 |
| Total | 1,356 | 41 | 1,397 |
The category-wise split follows each UT’s reservation rules.
Reservation – UT of J&K
| Category | Reservation | Age Relaxation |
|---|---|---|
| Scheduled Castes | 8% | 5 years |
| Scheduled Tribes (List I) | 10% | 5 years |
| Scheduled Tribes (List II) | 10% | 5 years |
| OBC | 8% | 3 years |
| Residents of Backward Areas (RBA) | 10% | 3 years |
| Residents near ALC / International Border | 4% | 3 years |
| EWS | 10% | Nil |
| PwBD (horizontal) | 4% | 10 years |
| Ex-Servicemen (Banking Associate only, horizontal) | 6% | Service + 3 years, up to 48 years |
Reservation – UT of Ladakh
| Category | Reservation | Age Relaxation |
|---|---|---|
| Scheduled Tribes | 80% | 5 years |
| EWS | 10% | Nil |
| Residents near LAC | 4% | 5 years |
| Scheduled Castes | 1% | 5 years |
| PwBD (horizontal) | 4% | 10 years |
| Ex-Servicemen (Banking Associate only, horizontal) | 6% | As per rules, up to 48 years |
Ladakh Banking Associate posts also have a 4% horizontal quota for outstanding sportspersons. Ladakh PO candidates get an extra one-time age relaxation of 5 years (overall cap 56 years).
Eligibility Criteria
Domicile
Only domiciles of the UT of J&K can apply for the J&K posts, and only domiciles of the UT of Ladakh can apply for the Ladakh posts. Selected candidates must submit a domicile certificate from the competent authority.
Educational Qualification
Graduation in any discipline from a recognised university (or equivalent recognised by the Central Government/UGC), held on or before 26 November 2026. Enter your graduation percentage correctly (CGPA must be converted as per your university’s rules).
Age Limit (as on 1 January 2026)
- 20 to 30 years – born between 1 January 1996 and 1 January 2006 (both inclusive)
- Relaxation for reserved categories as per the tables above
- Candidates who completed apprenticeship with J&K Bank get 1 extra year of age relaxation and 2.5% bonus marks in the Banking Associate exam
Salary
| Post | Starting Basic Pay | Pay Scale |
|---|---|---|
| Probationary Officer (JMGS-I) | ₹48,480 | ₹48,480 – ₹85,920 |
| Banking Associate | ₹24,050 | ₹24,050 – ₹64,480 |
Allowances and perks are paid extra as per bank rules.
Application Fee (plus GST)
| Post | Category | Fee |
|---|---|---|
| Probationary Officer | SC / ST / SEBC / PwBD | ₹1,000 |
| Probationary Officer | All others | ₹1,200 |
| Banking Associate | SC / ST / SEBC / PwBD / Ex-Servicemen | ₹600 |
| Banking Associate | All others | ₹800 |
Selection Process
| Post | Stages |
|---|---|
| Banking Associate | Single online exam → document verification |
| Probationary Officer | Prelims → Mains → Interview → document verification |
Banking Associate Exam / PO Prelims Pattern
| Section | Questions | Marks | Time |
|---|---|---|---|
| English Language | 30 | 30 | 20 min |
| Quantitative Aptitude | 35 | 30 | 20 min |
| Reasoning Ability | 35 | 40 | 20 min |
| Total | 100 | 100 | 60 min |
PO Mains Pattern
| Section | Questions | Marks | Time |
|---|---|---|---|
| Reasoning | 40 | 60 | 45 min |
| General / Economy / Banking Awareness (incl. digital & financial awareness, RBI circulars) | 50 | 60 | 35 min |
| English Language | 40 | 20 | 35 min |
| Data Analysis & Interpretation | 40 | 60 | 45 min |
| Objective Total | 170 | 200 | 160 min |
| Descriptive (Essay & Comprehension) | 2 | 25 | 30 min |
- Negative marking: one-fourth of the marks for each wrong answer.
- Minimum aggregate: 40% (General) / 35% (Reserved), plus sectional cut-offs.
- PO: up to 10× vacancies called for Mains and 3× for Interview (100 marks).
- PO final merit: Mains 80% + Interview 20%.
- A reserve list of up to 50% of vacancies is kept for one year.
How to Apply for J&K Bank Recruitment 2026
The application is online only, through the IBPS portal linked from the J&K Bank careers page.
- Scan your photograph (20–50 KB), signature (10–20 KB), left thumb impression (20–50 KB) and handwritten declaration in English (50–100 KB) in JPG format.
- Visit the official J&K Bank website – jkb.bank.in – open the Careers section and choose the notification for your post and UT.
- Click Apply Online (portal: ibpsreg.ibps.in) and complete New Registration. Note your provisional registration number and password.
- Fill in personal, domicile, category and graduation details exactly as in your certificates.
- Choose six exam centres (at least three outside J&K for J&K posts; at least four outside Ladakh for Ladakh posts).
- Upload the images, capture a live photograph, and upload certificates in PDF (up to 500 KB each).
- Preview the form and click Complete Registration (no changes after this).
- Pay the fee online and print the application form and e-receipt before 26 November 2026.
Exam Centres
- J&K posts (inside UT): Srinagar, Jammu, Baramulla, Pulwama, Samba
- Ladakh posts (inside UT): Leh, Kargil
- Outside: Delhi NCR, Chandigarh-region cities (Mohali, Patiala), Amritsar, Jalandhar, Ludhiana, Pathankot, Phagwara, Bengaluru (Mumbai and Pune for PO only)
Documents Required
- Class 10 certificate and graduation degree / consolidated mark sheet
- Domicile certificate of the respective UT
- Category / EWS (2026-27) / PwBD certificate, if applicable
- Ex-Servicemen or J&K Bank apprenticeship certificate, if applicable
- Valid photo ID
Official Websites
| Purpose | Website |
|---|---|
| J&K Bank Careers (notifications and updates) | jkb.bank.in |
| Online Application (IBPS portal) | ibpsreg.ibps.in |
Frequently Asked Questions (FAQs)
Q1. How many vacancies are there in J&K Bank Recruitment 2026? 1,397 – 1,054 Banking Associates and 343 Probationary Officers (J&K 1,356, Ladakh 41).
Q2. What is the last date to apply? 26 November 2026, for both registration and fee payment.
Q3. Can candidates from other states apply? No. Only domiciles of the UT of J&K or UT of Ladakh can apply for their respective posts.
Q4. What is the age limit? 20 to 30 years as on 1 January 2026, with relaxation for reserved categories.
Q5. Is there an interview for Banking Associate? No. Banking Associates are selected through a single online exam. Only POs have an interview.
Q6. What is the salary? Starting basic pay is ₹48,480 for PO and ₹24,050 for Banking Associate, plus allowances.
Q7. Is there negative marking? Yes, one-fourth of the marks for each wrong answer.
Q8. Is there a service bond? Yes. ₹2 lakh for 2 years (PO) and ₹1 lakh for 6 months (Banking Associate). Selected candidates must also serve 5 years in the zone first allotted.
Conclusion
J&K Bank Recruitment 2026 is a big opportunity for graduates from Jammu & Kashmir and Ladakh to join a leading bank as officers or clerks. Choose the right notification for your post and UT, prepare for the IBPS-pattern exam, and apply before 26 November 2026.
Disclaimer: This article is based on J&K Bank Notification Nos. JKB/HR/Rectt/2026-492 to 495. Candidates should verify all details, including category-wise vacancies and reservation rules, from the official notifications on jkb.bank.in before applying.