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  • PERSONAL
    • Loans

      • Housing Loan
      • Consumer Loan
      • Saholiat/Saral Finance
      • Saral/Saholiat Finance
        Scheme for pensioners
      • Laptop/ PC Finance
      • Scooty Finance for
        Girls/ Ladies
      • Festival Advance Scheme
      • Education Loan Scheme
      • Term Loan For B.Ed/ M.Ed.
        Courses
      • Smartphone Finance
      • Budshah Primary Education
        Finance
      • Modular Kitchen Finance
      • Sahafat Finance Scheme
      • Car Loan Scheme
      • Car Loan for Used Cars
      • Two-Wheeler Finance
      • Coaching Fee Loan Scheme
      • Skill Loan Scheme
      • Cash Credit Scheme
        (Salaried Employees)

      Personal Accounts

      • Deluxe Savings Account
      • General Savings account
      • General Small Account
      • Deluxe Salary Account
      • General Salary Account
      • Student Savings Account
      • Basic Saving Deposit
      • Saving Account-Government
      • Pension Account
      • Family Protection Savings
        Account

      Term Bank Deposits

      • Fixed Deposits Scheme
      • Cash Certificate Scheme
      • Mehandi Deposit Scheme
      • Tax Saver Term Deposit
        Scheme
      • Smart Saver Term Deposit
        Scheme
      • Monthly Yield Deposit Scheme
      • Recurring Deposit Scheme
      • Child-care Deposit Scheme
      • Depositor’s Pension Scheme
      • Super Earner Deposit Scheme
      • Ladli Beti
      • Super Re-investment Deposit
        Scheme
      • Daily Deposit Scheme

      Mutual Fund

      • Mutual Fund

      Insurance

      • Life Insurance
      • Non Life Insurance

      Cards

      • Global Debit Card
      • Empowerment Credit Card
      • Merchant Acquiring
      • Prepaid Cards
  • BUSINESS
    • Loans

      • Commercial Vehicle Finance
      • Commercial Vehicle Finance
        (Used Vehicles)
      • School Bus Finance
      • Passenger Bus/mini-bus
        Finance.
      • Old Passenger Buses/
        mini-buses Finance
      • Craft Development Finance
      • Dastkar Finance
      • Khatamband Craftsmen
        Finance
      • Craftsmen Livelihood Finance
        Courses
      • Handicrafts Sustenance
        Finance (Outside Tripartite
        Agreement)
      • Handicrafts Sustenance
        Finance (Under Tripartite
        Agreement)
      • Help Tourism (For Kashmir
        valley only)
      • Commercial Premises Finance
      • Establishment of Mini Sheep
        Farms in Private Sector
      • Contractor Finance
      • Technology Upgradation
        Scheme for MSE sector
      • Construction Equipment
        Finance
      • Saral Finance to Small
        Businessmen
      • J&K Bank Karobar Card
      • Mortgage Loan for Trade &
        Service Sector
      • Loans against Mortgage of
        Immovable Property
      • Fair Price Shop Scheme
      • Travel & Tourist Taxi
        Operators
      • ATV / Snowmobile Finance
        Scheme
      • Start-ups Finance

      Business Accounts

      • Platinum Current Account
      • Gold Current Account
      • Premium Plus Current Account
      • Premium Current Account
      • Basic Current Account
      • Grameen Current Account

      Insurance

      • Life Insurance
      • Non Life Insurance
  • AGRICULTURE
    • Loans

      • All Purpose AgroTerm Loan
      • Fruit Advances Scheme
        (Apple)
      • Giri Finance Scheme
      • Commercial Floriculture
        Finance
      • Zafran Finance
      • Seed Capital Fund Scheme
        under "Sher-e -Kashmir
        Employment and Welfare
        Programme for the
        Youth (SKEWPY)"
      • Debt Swap Scheme for
        Farmers
      • Apiculture Finance
  • NRI
    • Rupee Deposits

      • NRE Savings Account
      • NRE Fixed Deposits
      • Useful Information - NRE
        Rupee Deposits
      • NRO Savings Account
      • NRO Fixed Deposits
      • Useful Information - NRO
        Rupee Deposits
      • Deposit Plans for Returning
        Indians
      • Foreign Currency Non-
        resident-Banks (FCNR-B)
      • Useful Information - FCNR
        Deposits

      Download Forms

      • NRI Nomination Form
      • NRI ATM Card for Mandate
        holder Form
      • NRI Customer Relationship
        Form
      • NRI e-channel registration
        Form
      • NRI Mandate letter Form
      • NRI Supplementary
        Information Form
      • Account Opening Form

      Information

      • Frequently Asked Questions
      • Remittance from Abroad
  • INVESTOR
    • Financials

      • Annual Reports
      • Earnings Updates
      • Subsidiary Financials

      Investor Contacts

      • Investor Contacts

      Bank Share

      • Shareholding Pattern
      • Quotes
      • Tecnhincal Chart
      • Highs/Lows
      • 10 Year Trend
      • Historical Share Price
      • Share Price Movement

      Analyst Reports

      • Analyst Reports Covering
        J&K Bank’s Shares

      Analyst Interaction

      • Investor Presentations
      • Conference Calls

      Shareholder Info

      • Shareholder Information

      Stock Exchange Intimation

      • Announcements
      • Board Meetings
      • Financial Results
      • Corporate Governance
      • Shareholding Pattern
      • Shareholder information
      • Annual Report 2016-17
  • MAKE PAYMENTS
    • Recharge

      • Pre-paid Mobile
      • DTH

      Pay Bills

      • Post-paid Mobile

      Fee Collections

      • Easy Collect

      Pay Taxes

      • Pay your Tax Online
  • LOGINS
    • Net Banking

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      • Register for Net-Banking

      SecureCode Login

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        Login

      Credit Card e-Bill

      • Download Credit Card e-Bill

      Safe Banking

      • Anti-Phishing
      • Safe e-Banking Advisory
      • Tips for avoiding Phishing
      • Phishing through Emails
      • Tips for avoiding Phishing
        and Vishing
      • Phishing Scenarios
      • Safety Tips for Credit Card
        Holders

       

  • Personal
  • Pension Account

Features

  • No Minimum AQB required.
  • No penal charges for non-maintenance of any balance in account.

Eligibility

All pensioners of J&K State Govt. Departments, Govt. Undertakings/Corporations, etc. banking with our bank.

Documentation

  • Application Form.
  • Full KYC  
  • PAN Card or Form 60/61
  • PPO from concerned Treasury Officer.
RELATED ACCOUNTS
  • Deluxe Savings Account
  • General Savings account
  • General Small Account
  • Deluxe Salary Account
  • General Salary Account
  • Student Savings Account
  • Basic Saving Deposit
  • Saving Account-Government
  • Pension Account
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