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. Parvez Ahmed, a 1964 born career Banker joined the Bank as Company Secretary in 1998. His sheer hard work and thorough professionalism enabled his swift rise through ranks to become General Manager (President) in 2006. After his elevation in 2011, he served as the Executive President till his assuming office as Chairman and CEO in October 2016.

His areas of expertise include Strategic Planning, Corporate Governance, Audit and Compliance, Credit and Risk Management, Treasury Operations, Bancassurance, Finance and Taxation. He has the distinction of having closely worked with all the Chairmen since his induction in the Bank. He steered the project of introducing Best Industrial practice in the Bank. He has remained salient contributor as part of top Management Team in all strategic projects of the Bank. His stint as Zonal Head of strategic Kashmir Central Zone of the Bank has earned him deep knowledge of banking operations apart from honing his administrative skills.

He was instrumental in steering the maiden public issue of the Bank at the onset of his career with the Bank. He is credited
With roping in prominent Foreign Institutional Investors (FIIs) to shape up around 20% of their shareholding in the Bank. He has guided the roll out and implementation at initial stages of the Apple Finance Project of the Bank which resulted into phenomenal transformation in the horticulture sector of the State. He brought laurels to the Bank by achieving Financial Inclusion Plan under PMJDY.

He is considered as highly disciplined professional in the Bank. His analytical approach and other traits of patient listening,
deep learning and perfect execution stand him out from the crowd. His ability to withstand the difficult situations is his major strength. He is rated as thorough professional by his peers in and outside Bank.

He is the founding member and served as the Chairman of the Srinagar Satellite Chapter of NICR of Institute of Company
Secretaries of India for eight consecutive years.

He has served as Director on Board of MetLife India Insurance Company Pvt Ltd.

He is also serving as Director on Board of JKB Financial Services Ltd.


Mr. Navin K. Choudhary is Principal Secretary, Finance Dept., Govt. of J&K . Prior to this, he was serving as Joint Secretary (Planning and International Cooperation) in the Ministry of Defence.

Mr. Navin K. Choudhary belongs to the Indian Administrative Service. As a civil servant he has, in the last 23 years or so,undertaken a variety of assignments in the Government of India and in the Jammu & Kashmir (State Government). His postings include in the Ministry of Finance (as Director in the Department of Economic Affairs) and in the International Monetary Fund (IMF) as Advisor to the Executive Director, where he has served for more than 3 years.

Mr. Navin K Choudhary holds a Post Graduate degree in Economics.


Mr. Azhar-ul-Amin, aged 57 years, B.Sc. LLB (Hons) is an Advocate by profession with 32 years of practice at the High Court of Delhi, High Court of J&K and Supreme Court of India, having expertise in Civil, Criminal, Constitutional, Labour, Company and Service Laws.

Mr. Azhar-Ul-Amin was appointed as Additional Advocate General for state of J&K in 2008/2009 and has represented prestigious constitutional and statutory institutions like National Human Rights Commission, J&K Public Service Commission, J&K Subordinate Service Selection Board, J&K Pollution Control Board, as Advocate. He has remained Counsel for Department of Home, J&K, Department of Forest, J&K, Craft Development Institute, Srinagar and Union of India. He has conducted high stake civil and constitutional matters. He has remained main counsel in high stake arbitration matters for and on behalf of the State of J&K and other clients.


Mr. Mohammad Ashraf Mir, aged 58 years, is a first generation entrepreneur with 34 years of experience as a successful industrialist, contractor and businessman. He started his career with M/s Indian Steel & Metal Industries in the year 1982 and is its proprietor. Mr. Mir is also an “A” class contractor and is known for doing many prestigious projects across the state.

Mr. Mir has remained in Executive Council of Federation Chamber of Industries Kashmir (FCIK) for last 20 years and currently serves as the President. He has also served the FCIK as its Senior Vice President, President Industrial Association Sanat Nagar and President SICOP Unit Holders’ Association.

Currently serving FCIK as its President he is also a board member of J&K Small Scale Industrial Development Corporation Ltd (SICOP), J&K State Industrial Development Corporation(SIDCO) and J&K State Pollution Control Board. Mr. Mir is a member of the governing body of Islamia College of Science and Commerce, Srinagar. He is also a member of many State Level Apex Committees constituted by government from time to time.


Mr. Mohammad Maqbool Rather is a Post graduate in Economics (1964). He has served on various prominent positions. He joined the Government Service as Assistant Registrar Co-operative Societies (1968-1978) and also worked in Agriculture Production, Rural Development, Education and planning Deptts. at District level and State level.

As Assistant Registrar Co-operative Societies, his main job was to organize and supervise co-operative societies in his jurisdiction. He also had to assist district co-operative Bank Baramulla in the advancement and recovery of loans at the Distt. Level. He was associated with Development Commissioners and has assisted lead bank officers in the formulation and monitoring of district action credit plan.

He retired as Joint Director Planning Department. As Joint Director, Planning Department, he has facilitated state level officers in referring cases to NABARD for seeking loan assistance for implementation of various development schemes which required adequate financial support from NABARD.

In recognition of his meritorious services he was inducted by the Government in KAS Time scale.


Mr. Rahul Bansal is a B.Com from Punjab University, Chandigarh. He has also done his MBA from London (UK). With 17 years of experience as an Industrialist, he is responsible for management of several business enterprises that are running successfully. Besides holding directorship in various companies, he is serving as Sr. Vice President of Bari Brahmana Industries Association and is also associated as Designated Partner and Editor with Jammu based daily English Newspaper- The News Now.


Mr. Daman Kumar Pandoh is a Law graduate and fellow member of the Institute of Company Secretaries of India. He is having more than 20 years of experience in the field and his specializations are in the area of Secretarial matters, Taxation, Company law and Foreign exchange. He is the founding member of the Jammu Chapter of Institute of Company Secretaries of India and is presently serving the chapter as Vice Chairman. He is Director on the Board of several companies. In addition to being a participant and guest speaker at various professional and other bodies on Corporate Laws he has also been consultant to various companies, particularly to J & K State Government Corporations. He is also a member of various social, educational and sports associations. Adventure Sports is his passion and he is a member of Jammu Adventure Sports Association.


Dr. Pronab Sen is currently the Country Director for the International Growth Centre’s India Central Programme. He is also a member of the High-level Expert Group on Measurement of Economic Performance and Social Progress (OECD) and the Technical Advisory Group of the International Comparison Project (World Bank). Most recently, he was Chairman of the National Statistical Commission. Prior to superannuation from the Government in 2012, he was the fi rst Principal Economic Adviser at the Government of India’s Planning Commission. He has also held positions as the fi rst Chief Statistician of India, acting as the functional and technical Head of the national statistical system in India, as well as Secretary, Ministry of Statistics & Programme Implementation, Government of India (2007- 2010). Born 1952 in New Delhi, India, Dr. Sen received his B.A. (Hons) in Economics from St. Stephen’s College, University of Delhi (1972); M.B.A. (1974) and M.A. in Economics (1975) from the George Washington University, Washington D.C.; and Ph.D. in Economics (1982) from the Johns Hopkins University, Baltimore. He specialized in Open-economy Macroeconomic Systems, International Economics and Public Finance. Dr. Sen worked as management consultant in Washington D.C. (1974-1977). He taught at Johns Hopkins University, Baltimore and Delhi School of Economics, Delhi between 1977 and 1983. Dr. Sen turned to pure research in economics at the Indian Council for Research in International Economic Relations, New Delhi (1983-1987) and the Economic Research Unit, New Delhi (1987-1990). Worked at the World Institute for Development Economics Research, Helsinki in 1986 and again in 1989. He joined the Government of India as Economic Adviser, Department of Electronics (1990-1994), where he was one of the architects of the National Software Policy 1990 and the Software Technology Park Policy 1991. Moved to the Planning Commission, Government of India in 1994. As Principal Adviser, Perspective Planning Division of the Planning Commission, he was the author of the Approach Paper to four Five Year Plans and the principal author and coordinator of three Five Year Plans and Mid-term Appraisals. He has chaired a number of government Committees, most notably on Ecological Fragility, Control of Prices of Essential Drugs, and Slums.


Mrs. Vijaylakshmi R Iyer is commerce post graduate from Sydenham College of Commerce, Mumbai and Fellow Indian Institute of Banking and Finance. She is the former Chairperson & Managing Director of Bank of India with nearly four decades of service and contributions to Indian financial sector. During her career she has had extensive exposure and experience of over 20 years in the area of credit, 8 years in Risk Management and 5 years in Information Technology. She conceptualized and then successfully implemented a number of path breaking initiatives that were recognized in the industry.

She has been Director of various organizations, institutes and committees like EXIM Bank, New India Assurance, IBA etc. Lastly as Member (Finance & Investment) of IRDAI her contributions were in the areas of redefining the regulations and issues related to other regulatory authorities.

She has been a speaker at various professional bodies, universities and institutions notably Harvard Business School and Indian School of Business. She has been conferred with various awards like “Best PSU Bank Award for overall growth in performance by Dun & Bradstreet and Second most trusted brand among PSU banks by Economic Times and while in Central bank Golden Peacock Excellence Award for best HR practices.


Dr. Sanjiv Agarwal is a Fellow Member of the Institute of Chartered Accountants of India, Fellow Member of the Institute of Company Secretaries of India and Associate Member of the Institute of Chartered Secretaries and Administration, London (UK). He has done his PhD from R. A. Poddar Institute of Management, University of Rajasthan, Jaipur in the area of Corporate Governance. His areas of specialization are in Accounting, Taxation and Financial Services. He is considered to be an expert on Indirect Taxes, Corporate Governance and Company Law. Besides having over three decades of professional experience as a Practicing Chartered Accountant, he is keenly interested in academics and is regular contributor to professional Journals, Websites & Economic dailies. He has shared his knowledge by authoring and editing 28 books. His popular books include “Service Tax Case Digest”, “Guide to Goods & Service Tax”, “Accounting Standards & Corporate Practices” and  Commentary on Companies Act, Corporate Governance, Audit Committee etc.” He is also the founder chief editor of Service Tax Counselor, a weekly e-newsletter on Service Tax; GST Counsellor a fortnightly e-newsletter on Goods and Service Tax and has also been founder editor of Service Tax Journal, India’s fi rst exclusive journal on Service Tax. In addition to being an active participant and speaker at national seminars and conferences, he has also been a visiting faculty at various Management Institutes and Banks. He has been a SEBI Nominated Director on the Board of Jaipur Stock Exchange Ltd, JSEL Securities Ltd and an Independent Director on the Board of State Bank of Bikaner & Jaipur and other companies. Presently, he is an Independent Director on the Board of few Public sector / Government / Private sector companies and a member of Expert Advisory Board and Core Group on GST constituted by Institute of Company Secretaries of India.


Mr. Sunil Chandiramani is a Chartered Accountant by profession, qualified Technologist and IT security specialist, having spent over 25 years with India’s leading professional services firm - Ernst & Young, and served large clients in industries such as Financial Services, Government, Technology & IT Enabled Services, Telecom, Retail & Consumer Products and Hospitality. His areas of expertise include Business Transformation & Change Management, Performance Management, Cost Reduction, IT Strategy & Program Management, Solution Enablement, Business Process Redesign, Corporate Governance, Risk Management, IT Security and Business Continuity Planning. He is regarded as an energetic leader and is known for his ability to envision, build teams, and deliver market leading business results in uniquely challenging situations. Widely regarded as a thought leader, Sunil has been invited to speak at conferences both in India and overseas and at prestigious forums like CII, NASSCOM, American Chamber of Commerce and leading Management institutions.  He has been a member of committees constituted by Reserve Bank of India (RBI), the Securities and Exchange Board of India (SEBI) and CII. He is on the Advisory panel for Universal Business School (UBS) and the Information Security Management Group. Presently Sunil is the CEO of NYKA Advisory Services where along with others he works with high growth entrepreneurs.