• Free cash withdrawals at branch (up to 15 per month).
  • No limit on Cash withdrawal using withdrawal form
  • Free International Gold Debit Card issued with an ATM withdrawal limit of Rs 1 lac/day & PoS transaction limit of Rs 1.50lacs.
  • Nomination facility available.
  • Free e-banking facility.
  • Temporary Overdraft facility equivalent to 50% of net salary subject to maximum of Rs. 20000/-
  • Minimum AMB has been defined in latest Service Charges Schedule.

Employees of State/Central Govt., Public Sector Undertakings, Autonomous Bodies & reputed private Institutions

  • Application Form.
  • Photograph of depositor/s (2 copies)
  • Documents as  per KYC Norms
  • PAN Card or Form 60 or 61
  • Identity proof from the institution
  • Authorization & introduction from the concerned Drawing Disbursing Officer (DDO).

Who can open a Deluxe Savings Account with J&K Bank?
Deluxe Savings account can be opened by employees of State/Central Govt., Public Sector Undertakings, Autonomous Bodies & reputed private Institutions

What is the minimum Average Monthly Balance required to be maintained?
Minimum AMB has been defined in latest Service Charges Schedule.

What are the benefits of the Deluxe Savings Account?
You can avail the following benefits:

  • Free cash withdrawals at branch (up to 15 per month).
  • No limit on Cash withdrawal using withdrawal form
  • Free International Gold Debit Card issued with an ATM withdrawal limit of Rs 1 lac/day & PoS transaction limit of Rs 1.50lacs.
  • Temporary Overdraft facility equivalent to 50% of net salary subject to maximum of Rs. 20000/-
  • Free e-banking facility.
  • Interest compounded quarterly and calculated on daily products.