• No Minimum AMB required.
  • No penal charges for non-maintenance of balance in account.
  • Free e-banking / m-banking facility.
  • All pensioners of J&K State Govt. Departments, Govt. Undertakings/Corporations, etc.
  • Application Form duly filled in.
  • Full KYC  
  • PAN Card or Form 60/61
  • PPO from the concerned Treasury Officer.