Jammu and Kashmir Bank Jammu

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About Jammu and Kashmir Bank

Jammu and Kashmir bank was formed in the year 1938 in the state under the issued letter patent by the Maharaja Hari Singh. It is one of the first banks in the state which was one of its kind. It was kind of the Semi- government bank. The bank was formed before the independence and has suffered a huge loss during the period of partition It suffered huge financial loss as two of the ten branches were situated on the opposite side of the line of control. The branches had all the cash and other assets that were lost. The bank effectively recovered the loss. Later a per the extension of the central law to the state, it was considered as the government property.

The aim to open the branch in the state was to provide the financial option to the people of the state. Later it extended its branches in the other parts of the country. I t has the total of 865 branches all over India. The bank has now opened the branches in all over India and tries to provide the international quality products to the people of the country. The bank wants to capitalize on the growth and catalyze the economic transformation. The main objective of the bank is to become the super specialist bank for its customer.

Address of  Jammu and Kashmir Bank Branches in Jammu

Branch Name AddressIFSC Code MICR Contact Details
Akhnoor , Main Bazar The Jammu And Kashmir Bank Ltd, Main Bazar Akhnoor; Jammu.JAKA0AKHNOR 18005106401924-252237
Amphala49 Main Chowk Amphalla JammuJAKA0AMPHLA 1800510400191-2564071
Bakshi Nagar Bakshi Nagar Jammu 180001JAKA0BAKSHI1800510040191-2583180
BantalanBarnai Road Bantalab Jammu 181123JAKA0BANTAL1800510370191-2596085
Nai Basti Nai Basti Jammu 180003JAKA0BASTEE 1800510170191-2459995
Bishna Main Bazar, Jammu Bishna Main BazarJAKA0BISHNA1800510291923236048
Canal Road Canal Road Jammu 180012JAKA0CAMPUS 1800510270191-2565590
New Univ. Campus New University Campus Jammu 180004JAKA0CANAAL 1800510180191-2458663
Chowk Chabutra Chowk Chabutra Jammu 180001JAKA0CHBTRA 1800510060191-1543457
Fruit Complex Narwal Fruit Complex Narwal Jammu 180006JAKA0CHERRY 18005100701912476282/01912490041
Bari Brahmana Jammu The Jammu And Kashmir Bank Ltd.bari Brahmana; Jammu.JAKA0CHOOSE 18005100301923-220245
T. P. Akhnoor, Jammu T P AkhnoorJAKA0EAKNOR 18005106419242452796
Arnia, Jammu ArniaJAKA0EARNIA1800510681923272712
Ascoms Batra Hospital, Jammu The Jammu And Kashmir Bank Ltd, Ascoms Batra Hospital, Jammu.JAKA0EBATRA 1800510460191-2662603/ 2662536
Shastri Nagar T P Shastri Nagar 371 - 372 Shastri Nagar JammuJAKA0EGANDI 1800510440191-2435691
GOVT. College Of Eng, Jammu Old University Campus, Canal Road JammuJAKA0EGCENG 1800510270191-2565590
District Police Line District Police Lines Gandhi Nagar JammuJAKA0ELINES1800510180191-2452796
S.M.G.S Jammu THE Jammu And Kashmir Bank Ltd, S.M.G.S Jammu;JAKA0EMCJAM 1800510410191-2566502
NSM College Of Edu , Jammu NSM College Of Education, JammuJAKA0ENSMCE 1800510430191-2503740
Rail Head Complex Rail Head Complex Panama Chowk JammuJAKA0ERAILH1800510510191-2470778
IC Bari Brahmana Industrial Complex Bari Brahmana, Samba; Jammu - 181133JAKA0ESTATE18005103801923-220362
Gandhi Nagar Gandhi Nagar Jammu 180004JAKA0GANDHI 1800510080191-2432401
Greater Kalash Jammu Greater Kailash, Kunjwani Fountain Chowk Jammu - 180010JAKA0GKJAMU 1800510470191-2480314
Gujjar Nagar Jammu The Jammu And Kashmir Bank Ltd, Gujjar Nagr; Jammu.JAKA0GNGJAM1800510310191-2564641
GangyalGangyal Jammu 180010JAKA0GNGYAL 1800510090191-2480119
Gujjar Charitable Trust Jammu The Jammu And Kashmir Bank Ltd Gujjar Charitable Trust; JammuJAKA0GUJCCJ 1800510550191-2460641
Upper Gumat Upper Gumat Jammu 180001JAKA0GUMMAT 1800510280191-2579643
High Court Complex J&K High Court Janipur JammuJAKA0HCCJAM 1800510320191-2530490
Katra Main, Jammu Katra MainJAKA0KATTRA1820512011991232067
Kachi Chawni Kachi Chawni Jammu 180001JAKA0KCHJAM 1800510340191-2561625

Products Offered by Jammu and Kashmir Bank in Jaipur

Jammu and Kashmir offers a wide array of banking products and services that give the option to the customer to choose and fulfill the financial obligation or needs. The banking products include the home loan, personal loan, loan against property, car loan, and education loan. It also provides other services that help- the customer in increasing the savings like the mutual funds, deposits, and Insurance. The financial products help the customer with overall financial growth.

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 lakh11.90% - 12.40%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
8.90% - 9.25%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

9.40% - 9.90%

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 Jammu 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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