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 the only private sector bank 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.

"To catalyse economic transformation and capitalise on growth."

Our vision is to engender and catalyse economic transformation of Union Territories of Jammu and Kashmir and Ladakh and capitalise from the growth induced financial prosperity thus engineered.The Bank aspires to make Jammu and Kashmir and Ladakh the most prosperous Union Territories in the country, by helping create a new financial architecture for the J&K and Ladakh economies, at the center of which will be the J&K Bank.

Our mission is two-fold: To provide the people of Union Territories of J&K and Ladakh international quality financial service and solutions and to be a super-specialist bank in the rest of the country. The two together will make us the most profitable Bank in the country.


Registered Office
M A Road
Srinagar 190 001
Jammu & Kashmir


Corporate Headquarters
M A Road
Srinagar 190 001
Jammu & Kashmir
www.jkbank.net