• Holding a major Market share of 61.60% of banking business in UT of J&K and 54.92% in the UT of Ladakh as on June 30, 2023.
• Designated as RBI’s agent for carrying out banking business for the Government of UTs of J&K and Ladakh.
• Authorized to collect central taxes for CBDT.
• Nodal Bank for PFMS in UT of J&K and Ladakh.
• Convenor of Union Territory Level Banker’s Committee (UTLBC) in UT of J&K.
• Acting as lead bank in 12 districts of J&K.
• Unique and competitive position within UT’s of J&K and Ladakh due to its strong market presence.
• Huge account base of more than 1.98 Crore (Deposits & Advance on Pan India basis), as on June 30,2023.

• 1st Scheduled Commercial Bank in India to achieve PCIDSS V4 Certification.
• Best Performance in CASA-India (1st Runner up in Small Bank Category) at ICC Emerging Asia Banking Conclave & Awards 2022 organized by Indian Chamber of Commerce in Goa on 8th July 2023.
• ‘Gold Award’ under the category of Process innovation at Infosys Finacle Innovation Awards – 2023.
• Awarded as Best Performing Primary Lending Institution under Pradhan Mantri Awas Yojana (Urban) - Credit Linked Subsidy Scheme (CLSS) through various innovative initiatives.
• Award for outstanding performance in promoting digital payments at Digital Payments Utsav organized by Ministry of Electronics and Information Technology, Government of India at New Delhi.
• Awarded as Best MSME Bank by Chamber of Indian Micro, Small and Medium Enterprises (CIMSME) at MSME Banking Excellence Awards
• Certification of prestigious ISO 27001:2013 from Intertek - a reputed London-based Total Quality Assurance provider - for being compliant with the best industry standard in terms of privacy and security protocols.
• CSO 100 Award – 2022
  Special Cyber Security Award 2022 on Access and Identity Management for its Privilege and Customer Authentication Framework for FY2020-21

• Government of Jammu & Kashmir & Ladakh holds majority shareholding of 63.41% in the bank as on June 30, 2023. Bank has a network of 996 branches and 1414 ATMs as on June 30, 2023 spread over 18 states and 4 UTs across the country. Out of 996 Branches, 831 are operating in the UT of J&K, 37 in UT of Ladakh and 128 are operating outside the UTs of J&K and Ladakh. Besides that Bank has 84 Ultra Small Branches known as Easy Banking Units (EBUs) in UT of J&K and Ladakh.
• J&K Bank occupies a unique and dominant position within Jammu and Kashmir due to its strong market presence and status as exclusive agent designated by the Reserve Bank of India for carrying out banking business for the Government of Jammu and Kashmir and its government owned institutions and departments.  The bank collects tax revenues within the UTs of J&K and Ladakh for the central Government on behalf of the Central Board of Direct Taxes and Central Board of Excise and Customs, and works with the UT Government of J&K & Ladakh in the implementation of a number of flagship initiatives involving employment of youth, women empowerment etc.
• With a significant number of these branches operating within Jammu and Kashmir and Ladakh, J&K Bank stands as a pillar of support for the local communities while also extending its exceptional services beyond these regions.
• J&K Bank caters to banking requirements of various customer segments which includes employees of government, semi-government and autonomous bodies, farmers, artisans, public sector organizations and corporate clients.  The bank also offers a wide range of retail credit products, including home, personal, educational and automobile loans, agriculture loan, trade credit including a number of unique financial products tailored to the needs of the people of Jammu and Kashmir.

• JKB Financial Services Limited (Fully owned by J & K Bank)
• Providing Depository Services
• Offering Stock Broking Services
• Mutual fund and other financial services.
• Sponsor of J&K Grameen Bank (Regional Rural Bank)
• Life Insurance & Non-life Insurance Partners:
•  PNB  MetLife (Life Insurance)
•  Bajaj Allianz (Life/ Non-life Insurance)
•  IFFCO Tokyo (Non-life Insurance)
• Life Insurance Corporation of India (Life Insurance)

 “Pioneering the economic and social transformation “.
“To become a committed partner in fostering economic and social transformation across the country through a deep commitment to value creation for all our stakeholders, while continuing to build on our historic business relationship with Jammu & Kashmir and Ladakh. Besides, the  Bank operates on the principle of 'socially empowering banking' and endeavors  to deliver innovative financial solutions to all segments of the society which include household, small and medium enterprises etc.”

• To acquire an enhanced business footprint across geographies and emerge as a prominent national brand in the financial sector.
• To position the Bank as the “Most Preferred Bank” for Customer focus, Operational Excellence and High Integrity towards one and all stakeholders.
• To be the best-in-class financial intermediary, leveraging our digital and physical banking channels;
• To observe customer centricity through service excellence, integrity and transparency, and a comprehensive range of innovative products and services responsive to customer needs.
• To be a lean, learning and efficient banking organization focusing on prudent, sustainable, profitable growth and value creation.
• To adopt the best standards for corporate governance, business ethics and risk management.
• To vigorously promote financial inclusion as a business proposition to harness the potential at the bottom of the pyramid.

Registered Office
M A Road
Srinagar 190 001
Jammu & Kashmir

Corporate Headquarters
M A Road
Srinagar 190 001
Jammu & Kashmir
https://www.jkbank.com