Jammu and Kashmir Bank Mumbai

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About Jammu and Kashmir Bank Mumbai

Jammu and Kashmir were set up in the year 1938 and became operational in the year 1939. The bank was formed under the letters patent issued by Maharaja Hari Singh. It was the letter which sent the invitation to the eminent people and dignitaries to invest in the company and become the directors and shareholders. The bank was called as the Semi- government bank as it was set up with the capital money invested by the government and people who were under the control of the government. The main reason to open the branch was to provide the financial solution to the people of Jammu and Kashmir. The bank had to suffer a lot of financial loss when two of the branches along with the cash and other assets fell on the other side of the border.

After the introduction of the central laws in the states, the bank was considered as the government property due to the Indian companies act,1956. The bank was one of the scheduled banks which earned the A-class status in the year 1976. The bank has now spread its network in the entire country. The bank has the total of 865 branches and 1035 ATMs in the entire country. The bank aims to offer the international quality of banking products and services to its customer. The mission of the bank is to catalyze the economic transformation and capitalize the growth. The main vision of the bank is to become the super specialty bank for the people of the country.

Address of  Jammu and Kashmir Bank Branches in Mumbai

Branch Name AddressIFSC Code MICR Contact Details
Andheri (East) Mahakali Caves Road, Andheri (east) Mumbai - 93JAKA0ANDERI40005100402228214472/ 02228394589
Aurangabad Kushal Nagar, Jalna Road, Aurangabad, Mumbai - 431005.JAKA0AURANG 4310510030240-2340760
Bandra (West) 182 Asha Buildings, Waterfield Road, Near Thai Connection, Bandra (West) - Mumbai - 50JAKA0BANDRA 40005101002226408630/ 02226408634
Fort Mumbai The Jammu And Kashmir Bank Ltd, 79A, Mehta House, Mumbai Samachar Marg, Fort, Mumbai - 400023JAKA0BOMBAY 400051002022-22610056
Treasury Operations 5th Floor Merchant Chambers, 41, New Marine Lines, Mumbai - 400020JAKA0DEALER 40005100122015222/ 22015221
KalbadeviThe Jammu And Kashmir Bank Ltd, Shopping Arcade, Bhangwadi, Kalbadevi, Mumbai - 2JAKA0KALBAA 400051003022-22034155
MahimSyed House, 124 - A/b, S. V. Savarkar Marg, Mahim (w), Mumbai - 400016 .JAKA0MAHIMM 400051011022-24469979
Mohammad Ali Road The Jammu And Kashmir Bank Ltd, Noor Mohammed Co - Op Society Ltd. Ground Floor, M.a.road, Mumbai - 55JAKA0MAROAD 400051006022-23446861
Mira Road The Jammu And Kashmir Bank Ltd, Jangid Complex, Behind Silver Bhayander Road, Mira Road, Thane, Mumbai - 400107JAKA0MIRARD 400051005022-28103130
RCC, Mumbai RCC, 2nd Floor, Sambava Chambers, 20, Sir P. M. Road, Fort , Mumbai - 400001.JAKA0RADIUS400051001022-22610090
VersovaThe Jammu And Kashmir Bank Ltd, Sarnarth Vaibhav Building, Shop No. 241, Oshiwara, Andheri (west) Mumbai -JAKA0VARSUA 400051009022-66931093
Vikas Marg Vikas Marg 36, Defence Enclave, Vikas Marg, New Delhi - 110092JAKA0VIKAAS110051025022-27655787
Santa Cruz West Shop No 6 Ground Floor Kamla Spaces Sv Road Khira Nagar Santa Cruz W Mumbai Maharashtra 400054JAKA0SANTAC 400051012022-26602820
Zonal Office Mumbai National Business Centre Bandra Kurla Complex Bandra East Mumbai Maharashtra 400051JAKA0SKETCH NON-MICR 022-26384126

Products Offered by Jammu and Kashmir Bank in Mumbai

Jammu and Kashmir bank provides the wide range of the products and services that helps the customer to fulfill their financial goals and requirements. It offers the products like the Insurance, Mutual fund and deposits that grow the money. The loan products includes the home loan, personal loan, loan against property, car loan and education loan.  

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 Mumbai 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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