Jammu and Kashmir Bank Bengaluru

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About Jammu and Kashmir Bank

Jammu and Kashmir bank has been formed in the year 1938 and the bank was founded under letters patent issued by Maharaja of Jammu and Kashmir, Hari Singh. He invited the investors to invest in the bank and become the shareholders for the same. The bank has been set up with the capital money by the government and partly by the public under the government control and hence, it is called as the semi-government bank.The bank commenced the operation in the year 1939. The bank has started with the mission to provide the best quality banking products and services to the people of the state of Jammu and Kashmir.

The bank has been sponsoring the Jammu and Kashmir Grameen bank. It is one of the banks which is growing and spreading its network by increasing the branches number in different cities in the country. The bank has a total number of 865 branches and 1035 ATMs in the country. Its vision is to provide the international standard of products and services to the customer and become the super specialty bank in the country. The bank aims to increase its profit and branches to emerge as the major banks in the country. It aspires to become the best and most preferred bank in the country.

Address of  Jammu and Kashmir Bank Branches in Ahmedabad

Branch Name AddressIFSC Code MICR Contact Details
Main, BangaloreF - 6 - 7, Infantry Road, Gem Plaza, Bangalore - 560001JAKA0BNGLOR56005100280-25583747
OTC, BangaloreSpa Plaza, O.T.C. Road, Bangalore - 560002JAKA0OTCBNG56005100380-22231253
Indira Nagar Bangalore8th Edifice Cmh Road Indira Nagar Bangalore 560034JAKA0INBANG56005100480-25213856
Frazer TownGround Floor, Gold Signature-95 Mosque Road, Frazer Town Bangalore, Karnataka Pin Code 560005JAKA0FRAZER5600510057795367396
Zonal Office BangaloreJ&K Bank B/o 70/1 Dr. Brownama Towers, Mission Road BangaloreJAKA0ZOBANGNON-MICR1800 1800 234

Products Offered by Jammu and Kashmir Bank in Ahmedabad

Jammu and Kashmir bank has all types of services and products that can be used by the customer to fulfill the financial requirements. The loan products include the home loan, personal loan, car loan, education loan, and loan against property. The services include the deposit facilities, insurance, and mutual funds. It offers the best quality of service and banking facilities.

Basic details about Jammu and Kashmir products

ProductEligibilityLoan AmountInterest RateProcessing FeeTenure
Personal loanThe applicant should be at least 21 years of age at the time of application and the maximum age should be at least 60 years at the time of loan maturity.
The minimum net annual income of the applicant should be ₹ 3,00,000 per annum.
The minimum work experience should at least be 2 years. The applicant should have the minimum of 1year work experience with the current organization.
1 year relationship with the bank.
₹1.50 lakh12.30% - 14.30%1% of the loan amount + service tax (as applicable)36 months
Home loanThe applicant should be at least 18 years of age at the time of application and the maximum age should be at least 70 years at the time of loan maturity.



The applicant should be salaried individual working in the state or central government,PSU’s, reputed companies, self- employed, professional, businessman,and retired individual of state/central government or Public sector undertaking.


The applicant can be the person engaged in the agricultural and allied activities.


The minimum work experience should at least be 3 years of service for the salaried individual and for the self- employed minimum 3 years of service in the current business or profession.
For construction- Up to 36 times of the net salary.


For purchase of land- Maximum up to ₹ 50 lakh or 60% of the total cost of the land whichever is less.


For repairs & renovations - Up to ₹ 25 lacs
8.80% - 9.15%0.25% of the loan amount30 years
Education loanThe student should be the resident of India.
Should have secured the admission through entrance exam/ merit based selection.
The student should have the guarantor/ collateral.
For India:₹ 10 lakh
For abroad: ₹ 20 lakh
10.40% - 11.65%NilMoratorium: course period + 1 year 0r 6 months after getting the job.

Up to the period of 15 years after moratorium period.
Car loanThe applicant should be at least 21 years of age at the time of application and the maximum age should be at least 60 years at the time of loan maturity.


The minimum net annual income of the applicant should be ₹ 3,00,000 per annum for salaried


The minimum net annual income should be ₹ 4,00,000 for the professional and person active in agricultural and allied activities.


For others the minimum annual net income should be ₹ 5,00,000


The applicant should have at least 1 year of work experience at the current employment.
36 times of the net monthly salary or 3 times net annual income.


For contract private employee and retired pensioners- 24 times of the monthly salary or 2 times net annual income
9.55% - 12.05%0.50% of the loan amount84 months
Loan Against PropertyEligible Segments - Individuals, professionals, reputed firms and companies, closely held public limited company.

Should be of age between 21- 70 years

Any individual earning the minimum net income of ₹ 1 lakh.
Up to 3 times the net annual income


Minimum amount of ₹1 lakh and maximum Up to ₹1 crore
11.90%- 12.40%NilUp to 84 months
Fixed depositBelow mentioned individual or group are eligible for a fixed deposit

The applicant should be the resident of India.
Hindu undivided family
Sole proprietorship firms
Partnership firm
limited companies
trust accounts.
4.00% - 7.25%Nil7 days to 10 years

Documents Required

The documents required for the Jammu and Kashmir Bank Bengaluru are mentioned in the table below:

ProductsDocuments Required
Personal loanProof of ID – Passport/ Voter ID/ PAN Card.
Proof of age – Birth certificate/ passport
Proof of residence – Passport/ Utility bill/ Allotment letter.
Proof of income – Latest Salary slip/ ITR/ form- 16
Proof of Signature verification- Passport/ PAN Card.
Bank statement – Last 3 months bank statement/ last 6 months bank passbook.
Home loanDocuments of the applicant and guarantor-
Proof of ID – Passport/ Voter ID/ PAN Card.
Proof of age – Birth certificate/ passport
Proof of residence – Passport/ Utility bill/ Allotment letter.
Proof of income – Latest Salary slip/ ITR/ form- 16
Proof of Signature verification- Passport/ PAN Card.
Bank statement – Last 3 months bank statement/ last 6 months bank passbook.
Detailed information about the other loan if you are currently paying along with lenders information and security mortgage.
Property Documents-
Agreement sale copy.
Certificate of possession.
Land tax receipt.
Detailed cost of construction.
Letter of allotment
Original NOC.
Car loanProof of ID – Passport/ Voter ID/ PAN Card.
Proof of age – Birth certificate/ passport
Proof of residence – Passport/ Utility bill/ Allotment letter.
Proof of income – Latest Salary slip/ ITR/ form- 16
Bank statement – Last 3 months bank statement/ last 6 months bank passbook.
Education loanDuly filled application with recent photographs.
Proof of residence – Passport/ Utility bill/ Allotment letter.
Date of Birth proof
Certificate of Domicile
Fee particulars from school/ college
Scholarship proof
Study Certificate
Loan Against PropertyDuly filled Loan Application with passport size photographs - 2 copies each
Identity proof- Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Residence proof- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Income proof of the applicant and guarantor Income Tax Assessment Order / IT Returns
Last 3 years income tax returns and complete business profile.
Bank Statement- Last 6 months bank statement, Last 3 years Profit/ loss and Balance sheet ( for self- employed professionals)
Processing Fee cheque
Property related documents: All the title related documents along with approved sanctions/ building plans.
Fixed depositThe documents required by the individual, Hindu undivided family, and sole proprietorship at the time of applying for the fixed deposit are
A coloured photograph
Passport/ Driving License
Last six months bank account details

Documents required from the trust, association/ clubs for the fixed deposit are as follow
Photographs of the member operating the account.
A Copy of the Trust Deed/ Bye- laws of the association.
A Copy of registration certificate.
A Copy of the resolution of trustee authorizing the member to operate and open the accounts.

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