J&K Bank's diverse and rich culture is abundantly evident in its Board Members, who provide direction to the Bank in order to achieve its vision. A brief profile of our eminent Board Members is as under:

Mr. Rajesh Kumar Chhibber joined the services of the Bank as Probationary Officer in the year 1982 and has led the Bank in different capacities from managing business operations at Branch and Zonal offices to the Corporate Level across the operational geography of the Bank.

Bringing a treasure of experience to the chair that spans over three decades, his areas of expertise include Credit, Finance, IT, Corporate & Retail Banking, Risk management, Trade Finance, Foreign exchange, Business continuity planning, HR, Bancassurance.

As Vice-President in 2009, he headed the technology department of the bank and made remarkable contributions in creating the technology infrastructure of the bank besides instituting the process of providing relevant expertise to the staff.

He also became Chairman J&K Grameen Bank for two years and nine months and brought great laurels to the bank by accomplishing its key strategic goals.

Elevated as Executive President on June 1, 2018, he was the Bank’s Chief Compliance Officer besides heading Business Support division, Insurance, Government Banking, Lead Bank, CSC, FID, Subsidiary Management, Culture & Sports functions of the bank.


Dr. Arun Kumar Mehta, IAS aged 55 years is Financial Commissioner, Finance Dept., Govt. of Jammu & Kashmir. Prior to this, he was serving as Additional Secretary, Ministry of Environment, Forest and Climate Change handling tasks related to Coastal Regulation Zone, National Coastal Mission and Integrated Coastal Zone Management Project, Climate Change Convention (UNFCCC), Impact Assessment, Control of Pollution, National Green Tribunal, Convention on Biological Diversity and Green India Mission among other charges.  He worked for almost nine years in the Ministry. 

Dr. Mehta joined Indian Administrative Service in 1988 after completing B.Tech (Civil Engineering) from I.I.T. (BHU) and M.Tech from I.I.T. Delhi (Building Sciences and Construction Management). 

He has served in a number of senior positions in Central and State Government besides District and Sub-District level. While working as Chairman, Central Pollution Control Board, Dr. Mehta issued directions ensuring zero black liquor discharge and control of industrial pollution in river Ganga. He led revision of Comprehensive Environmental Pollution Index (CEPI) and introduction of a new category “White” for non-polluting industries in addition to Red, Orange and Green category. Earlier during his stint at Ministry of Urban Development, Government of India, he was instrumental in the formulation of National Sustainable Habitat Mission, Service Level Benchmarking, City Sanitation Plans, National Urban Sanitation Rating and formulation of Reform Agenda under Jawaharlal Nehru National Urban Renewal Mission (JNNURM).

Dr. Mehta is an IAS Officer from Jammu and Kashmir Cadre. As Principal Secretary (Power) he restored power supply within 15 days in the State after unprecedented floods in 2014 leading to commendation from Army. He also ensured reduction in AT&C losses of over 15% in a period of two years besides reduction in energy deficit. As Managing Director of State Road Transport Corporation, he led efforts for its revival resulting in highest ever revenue and operational fleet. Served as Deputy Commissioner, Baramulla District between 1994-1997 and restored institutional functioning during peak of militancy.

He has been awarded Doctorate in 2018 from School of Planning and Architecture, New Delhi on the Thesis ‘Municipal Own Source Mobilization and Service Level Efficiency’.

Dr. Mehta was amongst the recipients of State Republic Day Award in 2015. He was also awarded for his efforts under Extended Gram Swaraj Yojana and his stint as Deputy Commissioner Baramulla.

He is also on the Board of J&K Asset Reconstruction Co. Ltd, J&K Industries Ltd., J&K SIDCO, J&K SICOP, J&K Handicrafts (S&E) Dev. Corporation, J&K Development Finance Corp., J&K Cements Ltd., J&K HPMC Ltd., J&K Agro Industries Dev. Corp., J&K Cable Car corp., J&K Tourism Development Corp., J&K PCC Ltd., J&K SRTC Ltd., J&K SC, ST, & OBC Dev. Corp., Union Territories of J&K and Ladakh Power Development corp., Union Territories of J&K and Ladakh Financial Corp., Union Territories of J&K and Ladakh Forest Corp., J&K Infrastructure Development Corp. Ltd & J&K Women’s Development Corp. Ltd.


Mr. Anil Kumar Misra was an Executive Director in the Reserve Bank of India, responsible for supervision of banking- as well as non-banking-financial institutions, and retired in July 2018. As a career central banker since 1982, his experience encompasses the areas of currency management, foreign exchange, payment systems, regulation and supervision of banking- and non-banking-credit intermediaries, financial inclusion, and risk monitoring in the Reserve Bank. He was also a Director on the Boards of the Union Bank of India and Export Credit and Guarantee Corporation of India Limited.

His international experience includes a four-and-a-half year stint as a Member of Secretariat at the Financial Stability Board (in Basel, Switzerland), which is the G20 arm for dealing with the global financial-sector issues and policy reforms. At the FSB, he was closely involved with the roll out of the FSB’s International Cooperation and Information Exchange Initiative, its global outreach strategy via the six world-wide Regional Consultative Groups comprising over 65 countries, and its governance reforms, which led to certain structural changes in the FSB.

He holds Master’s degrees in Business Management (Banaras Hindu University) and in Public Administration (Harvard University, USA).


Personal: Male, Age: 52 years (DOB: 1st Sept. 1966),

Nationality: Indian

Post Masters’ Specialisation in Earth Architecture from CRATerre, National School of Architecture, Grenoble, France, 2010.
BE, Mechanical Engineering from the National Institute of Technology, Srinagar Kashmir, 1987.

Jobs and Assignments:

Chief Coordinator and founding member of the Himalayan Institute of Alternatives, Ladakh, an Alternative Mountain University.

Took overall leadership of the Ice Stupa artificial glacier project, starting with prototyping in 2012, fund raising through crowd funding in 2014, to final implementation this past winter.

Teacher, guide and innovation advisor at the SECMOL Alternative School Campus in Phey, Ladakh. August 2010 to date.

Worked as Advisor for MS Denmark in Nepal, on a bilateral project of the Danish Government to support the Nepalese Ministry of Education in education reforms. April 2007 to July 2010.

Co-founded and headed SECMOL, the Students Educational and Cultural Movement of Ladakh, based in Leh, as its Founding Director. June 1988 till March 2007.

Founded and worked as the editor of Ladakh’s only print magazine Ladags Melong based in Leh. June1993 till August 2005.

Founded and helped as the Principal Designer engineer for Shesyon Solar Earth Buildings (A Social Venture that designs and builds passive solar buildings and ploughs back the profits into education reform, entrepreneurship development etc.). June 2003 till March 2007.

Boards served:

In 2014, appointed to the Expert panel for framing the Union Territories of J&K and Ladakh’s Education Policy and Vision Document.

In 2013, appointed to the Jammu & Kashmir State Education Advisory Committee.

In 2009, invited by the Prime Minister of Bhutan to be on the international advisory group to support the Bhutanese Government in introduction of Gross National Happiness into Education.

In 2008 Invited to be advisor for Denmark- Nepal project under Education For All programme.

In 2005, appointed as a member in the National Governing Council for Elementary Education (Sarva Shiksha Abhiyan) in the Ministry of Human Resource Development, Government of India.
In 2004, appointed to the Drafting Committee of the Ladakh Hill Council Government’s Vision Document—‘Ladakh-2025’ and entrusted with the formulation of the policy on Education and Tourism. The document was formally launched by Dr. Manmohan Singh, the Prime Minister of India in 2005.

In 2002, together with other NGO heads, founded Ladakh Voluntary Network (LVN), A network of Ladakhi NGOs, and served on its Executive committee as the Secretary till 2005.

In 2001, appointed to be advisor for education in the Leh Hill Council Government.

Awards and Recognition:

Rolex Award for Enterprise, for Ice Stupa project, Los Angeles USA.
International Terra Award 2016 at the 12th World Earth Congress, Lyon France,
UNESCO Chair Earthen Architecture, by CRATerre France, 2014
CNN IBN India Real Heroes Award by CNN IBN TV, 2008
Participated in Asia 21 Young Leaders’ Summit in Seoul, Korea, 2006
The Green Teacher Award by the ‘Sanctuary Asia’ magazine, 2004
Ashoka Fellowship for Social Entrepreneurship, by Ashoka USA, 2002
'Man of the Year' Cover Story by 'The Week' (India’s third largest magazine), in 2001.
Awarded Governor’s Medal for educational reform in Jammu & Kashmir, 1996.


Mr. Vikram Gujral aged 53 years, B.Com, LLB is an acclaimed entrepreneur having vast experience of more than 25 years in the field of Construction, Construction Equipment and Cement Industry. An active member of Chamber of Commerce and Industries Jammu, Member of J&K High Court Bar Association, Executive Member of Indian Red Cross Society Jammu, Trustee AOL J&K Trust & North Apex Body Member for AOL Foundation, he has been actively associated with the philanthropic social development of the economically deprived and distressed communities.  

Mr. Gujral has been instrumental in introducing a number of multinational companies in his chosen field of business in the state of J&K and his work has been consistently recognised by the government and social organisations.


Dr. Rajeev Lochan Bishnoi, 60, is a credit specialist and advises corporates and banks on balance sheet stress, risk processes and improving the overall financial health of the enterprise. He was till recently a Government of India nominee Director on the Board of one of India’s largest Government owned banks viz. Bank of India, where he also served as the Chairman of its Audit Committee and a member of its Board Committees on Credit, Human Resource, WilfulDefaulters, Risk Management, Customer Service and Remuneration & Nomination. He is currently director on the board and in various board level committees of BOI Merchant Bankers Limited as Independent Director.

Rajeev is an Independent Director on the Boards of VLS Finance Ltd, VLS Securities Ltd & VLS Capital Ltd and Chairman of Audit Committees along with Board level committees on Nomination & Remuneration as well as CSR Committee. He is a life member of Non-Executive Directors in Conversation Trust (NEDICT) promoted by Mr. M. Damodaran, former UTI Chairman & Secretary (Banking), working to establish the best practices for Boards & NEDs. He is an advisor to the J.P. Mathur Charitable Trust, New Delhi, where research is carried out in fields of economic policy and governance with an emphasis on banking. He was a lead organizer of two national level conclaves i.e. Economic Conclave in 2017 and Banking Conclave in 2018 under aegis of the India Policy Foundation and Centre for Economic Research.

Rajeev has a deep interest in Education and has supervised the development of two Rural State Universities and their undergraduate and post-graduate programs with a special focus on employability. He is a member of the Board of Management of Shobhit University (U.P.).

With a strong commitment to Renewable and Sustainable Energy Development, Rajeev founded, ADS Greenlife Foundation – devoted in the field of clean and green technologies.

A Former Advisor to the UP Export Corporation Ltd., Rajeev was invited by the Government of Kazakhstan to deliver the Keynote Address at a seminar on ‘The Role of Small & Medium Enterprises in the National Economy’ held at Kazakhstan.

As a firm believer in the philosophy that economic activity at the bottom of the pyramid is the backbone of the eco-system of an emerging nation, Rajeev completed his doctoral research work on "Vision and Strategy for Development of Entrepreneurship through Micro Finance and Micro Enterprises in Developing World". He also continuously researches Ancient Indian Economy and History to find lessons for today’s economic conundrums. This is another field of research and study for him now.

Rajeev is a Fellow Member of the Institute of Chartered Accountants of India and was member of its Professional Development Committee. Currently he is a partner in Chartered Accountancy firm M/S Jain & Malhotra, New Delhi.

Rajeev is a hobby poet- and has recently written a book of his poetry and Dohas in Hindi, titled “Man Laago Mero Yaar Fakiri Mein” published by Sahitya Bhandar, Allahabad.


Ms. Monica Dhawan, an alumnus of the International Management Institute, holds an MBA in Business Management & Marketing and is a graduate of the prestigious Institute of Hotel Management Pusa. Ms. Monica is the founder of Fusion Corporate Solutions Pvt. Ltd. Since 1999 and has led the company to be a disruptive innovation led experiential marketing company servicing marquee government and private sector clients in the areas of conventions/congress/expositions / Events / Media Campaign - their conceptualization, design, and execution. An active member of the 'Art of Living' society & a core team member for the World Cultural Festival in India organized in New Delhi, she has been acknowledged nationally and internationally for her fantastic work in the sector. Amongst her list of achievements, she was "An Ambassador" (India) for WIA (Women In Africa) Club in the year 2017/18; awarded "Women Achievers Award" for inspiring Women as a "Young Woman Entrepreneur" by encouraging the community through a passion-filled drive on - "Tree Plantation", “Environmental Sustainable Solutions” as an initiative through Tree n Me foundation besides being an invited inspirational guest speaker at various talk shows for corporates and educational institutions from across the globe.


Mr. Naba Kishore Sahoo, aged 61 years has been a banker throughout his life.   Starting his career as scale I officer in Canara Bank, he has moved up to scale VII level during a span of 32 years and finally as Executive Director in Allahabad Bank for 4 years. He has thus to his credit a very rich and diverse experience in banking industry with expertise in Credit, Risk Management & HR. During his career he has been highly successful in driving business and achieving all round performance under very critical and challenging circumstances.  His exposure in banking covers a wide spectrum of areas ranging from Urban, semi urban and rural areas in addition to overseas exposure as Chief Executive of Canara Bank in London. He led his teams as a Circle Head of Bhubaneswar and Pune and has been awarded and recognized within the organization as a STAR PERFORMER. He has emerged as a leader by putting efforts in positioning the organisation in the right place by adopting proper strategy, planning, guidance and execution. In addition to being an Agricultural Science graduate which has been instrumental to his success in Rural banking he has done CAIIB from Indian Institute of Bankers. Besides he has also attended numerous advanced level programs both in India and abroad.

Mr. Sahoo lives in Bhubhaneshwar where in addition to his flair for reading, he is now actively engaged in social work and helping people wherever his acquired skills and knowledge can be put to use.


Mr. Zubair Iqbal has been a professional banker throughout his life, with highly acclaimed, illustrious and proven career in Banking & Financial Services that spans for more than 30 years. This includes 15 meritorious years spent with J&K Bank and 15 glorious years with HDFC Bank.

Starting his career with J&K Bank by joining as Probationary officer in the year 1989 he worked on different assignments which include handling different branches of bank both within and outside J&K. On the basis of his credentials and knowledge he worked at Planning and Economic Department at Corporate Headquarters, Faculty member J&K Bank Staff Training College and lastly as Head of Marketing Cell. During these meritorious years he was involved with budgeting and strategy, restarting local chapter of Indian Institute of Banking and Finance and remaining its Local Honorary Secretary for initial years, redefining training by setting up automated teaching aids, marketing and product development. Some of the products designed and developed by him during that time are still popular amongst customers of J&K Bank even now.

Taking a task, which was both tough and challenging he joined HDFC bank in the year 2004 and this was a time when other private sector banks did not dare to venture in J&K state. By dint of his expertise, professionalism, knowledge and above all hard work at HDFC Bank he did the impossible. From just 1 branch he took the branch network to 83 and ATM network to 220 with a support and dedication of more than 1500 colleagues and trust of more than 3.00 lac customers having business of 6600 crores. HDFC Bank under his leadership, today occupies an important place in the banking space of J&K and has emerged as a vehicle of economic growth, employment generation and responsible corporate citizen. He successfully created an enviable franchise of HDFC Bank despite disturbed political environment, downtrodden economy due to absence of Tourism and also despite restrictions on sourcing Government Business and absence of Corporates. His core competencies include Profit Centre Management, Retail Banking, Credit Administration, Marketing/Business Development, Customer Relationship Management, Planning, Quality Results, Collaboration, Customer Delight and Decision Making.

Starting his banking career with Master’s in Library & Information Science from University of Kashmir along with Masters in Sociology learning did not end for him. Believing growth and professionalism cannot go without re-learning he did his MBA from ICFAI, CAIIB from Indian Institute of Bankers and Management Development Programme from IIM Ahmedabad besides a host of other short term courses, workshops and diplomas. He has been awarded at Silver Jubilee Celebrations by Institute of Objective Studies, New Delhi in September, 2011 for significant contribution to banking industry of the state, received recognition from Department of Financial Studies, University of Kashmir, awarded prestigious Gold Star Award by HDFC bank in recognition of significant contribution to the bank. He has also won more than 50 laurels to his credit and 13 of those were awarded at International Destinations during International Programmes. He also has distinction of attending more than 50 Domestic and International events on Banking, Financial Products and Insurance.

Recently he was shortlisted and invited by UK Asia Stem Summit for delivering a Leadership Talk at Cambridge University London slated for August, 2020. He is also a Visiting Faculty at Business School of University of Jammu, Business School and Department of Business and Financial Studies, University of Kashmir, Mata Vaishno Devi University, Central University of Kashmir, Islamic University of Science & Technology and has been imparting Summer Training to more than 100 MBA/MFC students of different institutes/universities.