Jammu and Kashmir Bank Noida

Banks 79 views

About Jammu and Kashmir Bank

Jammu and Kashmir bank was set up in the year 1938 but the first branch became operational in the year 1939. The bank was formed under the letters patent issued by Maharaja Hari Singh. He sent the invitation to the eminent people to become the directors and stakeholders of the company. The bank was set up to fulfill the financial demands of the people of the state. It suffered a huge loss at the time of independence when two of its branches out of the ten fell on the other side of the line of control. Later it was converted into the government company according to the Indian Companies Act of 1956. The bank has gained the status of  Scheduled bank and was declared an A class in the year 1976 by Reserve bank of India.

The bank aimed to give the international quality products and services to the people of India. It is the bank which is one of the emerging banks in the country. It has spread its network in the country through its branches. The bank aims to catalyze the economic transformation and capitalize the growth. The banks want to become the super specialist banks for the entire country. It is also the sponsor of the J&K Grameen bank. The bank focuses on providing the useful products to the customers. It has also focussed in incorporating the latest technology to improve the quality of its products. The vision of the bank is to become the most trusted and preferred bank for the customer.

Address of  Jammu and Kashmir Bank Branches in Noida

Branch Name AddressIFSC Code MICR Contact Details
NoidaNoida P - 2, Jop Plaza, Sector 18, Noida - 201301JAKA0GHAZIA 1100510110120-2516776
Greater Noida Greater Noida Noida - Dadri Road, Surajpur, Greater Noida - 201306JAKA0GNOIDA 1100510220120-2569074

Products Offered by Jammu and Kashmir Bank in New Delhi

The products and services that are provided by Jammu and Kashmir Bank are one of the best with the competitive interest rate The banking facilities given by them is of international standard. The products that are included in the financial kit are the loan products, insurance, deposits and Mutual funds. The loan products include the home loan, personal loan, education loan, loan against property and car loan. It gives the overall financial solution to the customer.

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 Noida 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.

You May Also Read