J&K Bank functions as a universal bank in the Union Territories of Jammu & Kashmir and Ladakh and as a specialised bank in the rest of the country. It is also designated as RBI’s agent for banking business, and carries out the banking business of the Union Territories of Jammu & Kashmir and Ladakh, besides collecting central taxes for CBDT.

J&K Bank follows a two-legged business model whereby it seeks to increase lending in its home territory which results in higher margins despite modest volumes, and at the same time, seeks to capture niche lending opportunities on a pan-India basis to build volumes and improve margins.

J&K Bank operates on the principle of 'socially empowering banking' and seeks to deliver innovative financial solutions for household, small and medium enterprises.

The Bank , incorporated in 1938, and is listed on the NSE and the BSE.

 “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.

  • 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
www.jkbank.net