• No Minimum AMB required.
  • No penal charges levied in accounts with ZERO balance.
  • "At Par" facility in respect of issue of DDs/TTs/MTs, MICR Cheque Books, collection of cheques, Anywhere facility subject to the condition such remittances /collections are meant for credit of Govt. Departments, Undertaking, or Corporations.  However postage and out of pocket expenses are recovered as per actuals.
  • Where the DDs/TTs/MTs are required to be issued in favour of beneficiaries other than the Govt. with the exception of remittances on account of loans and scholarships to students, the normal service charges shall apply.
  • Retired employees of J&K State shall be extended ‘at par’ facility henceforth in respect of collection of their terminal benefits on reaching the age of superannuation.  However postage and out of pocket expenses are recovered as per actuals.
  • Free e-banking/m-banking facility.
  • All Central, State Govt. Departments and other Govt. Undertakings/Corporations exclusively banking with our Bank. The Organization must conform to the RBI guidelines for allowing opening of Savings Bank account by Government Departments, etc.
  • Application Form duly filled in.
  • Letter of Authority from the Competent Authority.
  • Full KYC of officer who shall operate the Account.
  • PAN Card /TAN NO of Organization  , if applicable