Reaching out to people in times of calamity

As a responsible institution, J&K Bank is committed to Corporate Social Responsibility (CSR). The bank aims to instill a sense of relief and protection among the most vulnerable sections of society through its Corporate Social Responsibility (CSR) policy. The bank identifies key responsibility areas towards the society and seeks to assimilate the CSR ideals into its mission for optimizing its social performance.

FY 2014-15 witnessed unprecedented floods in J&K State that left devastation of colossal magnitude in its wake. J&K Bank, being the premiere flagship company of the state, rose to the occasion with matching ardor and aid to meet its obligations as a socially relevant institution, its vision of “Peoples' Empowerment through Servant Leadership” and the expectations of the public at large.

J&K Bank was the first organization to provide relief to the people affected by devastating September floods that hit the state in FY 2014-15. Notably, the Bank contributed Rs. 5.00 Crores towards J&K Flood Relief Fund for being partners in providing succor to the people of the state in rebuilding their shattered dwellings.

Shortly, after the floods the Bank donated 500 tents to the flood hit families. Under its major rehabilitation package, around 23000 kits comprising of blankets, water purifiers, hot water bottles & solar lamps were also distributed among the people as an immediate relief measure.

The bank also facilitated distribution of medicines and food packets among the flood hit people at various locations of the state. This major CSR activity was undertaken under a reactive project called, “HUM HAIN SAATH SAATH”. Pertinently, Bank's insurance partners like Pnb-Metlife also worked with the Bank in reaching out to the people for their relief & rehabilitation.

After the floods, the bank also organized mega health camps at various locations to provide health advisory and free medicines to the affected people.


Responsive towards individual as well as collective health, the Bank unfailingly implements its robust endowment programme. The Bank donated three life-saving machines to Jammu Medical College and two at SKIMS for catering to the health needs of people who can’t afford to bear exorbitant costs of treatment. These machines were delivered under the CSR project of the bank christened “RAAHAT”, which continues to improve healthcare system and also to benefit the people in preventive healthcare facilities.

At the same time, Bank made reasonable monetary contributions towards various health projects undertaken by reputed not-for-profit groups like Cancer Society of Kashmir, Maya Foundation (Dealing with free surgeries in cleft lip & palate) and other organizations dealing with critical diseases. This intervention on part of the bank resulted in changing the lives of many people, for better, who were suffering from various forms of cancer. Partnering with Maya Foundation under the project “MUSKAAN” the bank helped many infants in regaining facial disorders to become socially acceptable and healthy in more than one way.

Bank adopted Fifty (50) Hepatitis C patients hailing from weaker sections of society for their treatment so that they become Hep free. Having a Tie-up with leading Pharma Company CIPLA, bank was able to provide medical help to these types of patients and after the treatment process was over, all the adopted patients became Hep-free. At the same time, bank armed Cancer Society of Kashmir with Mammogram to beat rising breast cancer cases. Under the programme RAAHAT, a good number of ultrasound Doppler machines, cutting & coagulation machines, ambulances and other ancillary machinery were supplied to hospitals across the state of Jammu & Kashmir.

Besides, to have a sustained programme under “preventive Health Care”, the bank began a mega series of Blood donation camps across the state with the help of NGOs so that people in general are benefitted.


Education, as means to socio-economic empowerment, receives a substantial part of the Bank’s CSR funds.

Disability, as we know, is probably one of the least understood and accepted conditions in the society which believes that everything not normal is abnormal. Thus, to ensure equal opportunities and dignity to persons with ‘special abilities’ require efforts, awareness and mobilization besides addressing their basic medical needs.

In this regard, the Bank has adopted more than hundred Children (100) having multiple disabilities under the project “MUSKAAN”, so as to take care of their all-round development.

Under the Project, the bank has engaged the professional services of leading NGOs like Voluntary Medicare Society, Chotey Taarey Foundation and Humanity welfare Organization.

Apart from basic education, need-based knowledge, consultation and supplementary training, these children are provided with life skills, computer training and / or arts and crafts which would further become a source of employment for them. These learning techniques or classes not only give them a platform to boost their confidence but also act as avenues for development of cognitive, physical and socio-emotional skills along with improved chances for livelihood.

Moreover, under “promotion of education”, the Bank has adopted Fifty (50) under privileged children in association with a leading NGO CHINAR through Remote Child Sponsorship Programme (RCSP).

Model School Project:

J&K Bank under PPP mode and as a first pilot Project developed three (03) Government schools in South & North Kashmir to  equip them with the state-of-the-art technology and infrastructural facilities in  the form of Smart classes, computer labsetc.
E-Learning Initiative at far flung schools: J&K Bank identified a distinctive project of E-learning in remote schools of Rajouri District. As many as 25 Government schools were identified where e-learning tools like laptops, projectors, Interactive screens were installed.

Special Project

During the year 2014-15, the Bank identified a project, with a leading Delhi based NGO Child Rights and You (CRY) through a local project partner KOSHISH, to meet the nutritional, health and educational needs of the children of forty (40) far flung areas/villages of three Districts of Srinagar, Budgam & Ganderbal.

On the basis of baseline research, the overall number of children covered under the project were 9224 in 5100 Households. Project bore a long-term impact in the society with particular reference to under-privileged children in their survival, participation, development and protection. In view of contents of the project, it was named “KOSHISH”.

Initiatives under ‘Swachta’ Mission.

Taking a lead from Prime Minister’s Swachh Bharat mission that calls for clean India, the bank took a major CSR initiative by donating four Super Sucker Machines to Jammu and Srinagar Municipal Corporations. The first of its kind swachh initiative by the Bank aims to encourage the two corporations through quality cleaning systems to ensure that localities remain hygienic for general public. Besides, bank provided funds for procuring mopping machines to Sadder Court & GMC Jammu.

Preserving Ecology

Over the last few years, the Bank, as a conscious Corporate, has been proactive and very sensitive to preserve and promote pollution free environment in the state for the larger welfare of the society. So far under the “Environmental Excellence Programme” the Bank has been maintaining thirteen (13) Parks/walkways at various locations of the state, viz, Iqbal Park; Badamwaire; Eco Park; Rajinder Park; Bagi-Wazir etc. thus indirectly helping the cause of environmental protection, besides wellbeing of the people.

All these programmes/initiatives are aimed at making our surroundings and environment not only hygienic but also reflect the bank’s commitment for GREEN surroundings for the larger welfare of the community.

Reaching out to the Trusts and NGOs working for the cause of protection of natural resources and sustainable agriculture, the bank partnered with a society called “Kristu Jyoti” for construction of small dams at Kumi village in Samba. The basic premise of the project was to irrigate the surrounding land for organic farming, vegetation production and subsequently generating employment. At present, the area undertaken produces good quantity of vegetation and has changed the lives of the people involved for better.

Recent Initiatives

  • In a major Community Development Initiative, the Bank provided Handcarts to Street Vendors living below poverty line so that their lives & livelihood is changed for better. In its endeavor to improve the aesthetic view of the crowded market places of Srinagar City, J&K Bank provided 50 hand carts on model basis especially meant for vendors dealing in vegetable and cloth selling.
  • Donation to Mahabodhi International-Home for 500 plus old age persons in Leh, Ladakh. The NGO is one of the best in Ladakh contributing remarkable service towards the old age persons since 3 decades. The inmates are being provided with medical healthcare and other allied activities.
  • In collaboration with State Govt. the bank provided scooties to girl students belonging to financially weaker section of the state.
  • Bank has established dormitory and recreational room/gymnasium at BALGRAN - Charitable home for destitute children in Jammu. The NGO houses more around 100 orphan girls and Bank helped it to have   a separate accommodation for girls. Bank not only approved to bear the cost of the entire construction of the dormitory, but also provided the organization to upgrade its existing structure and establishment of Smart Classes for the enrolled students.
  • Bank donated Two(02) Eleven seater battery vehicles to the University of Kashmir for the smooth movement of “Specially Abled” children within the campus.