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Jammu and Kashmir Bank

Founded in 1938, The Jammu and Kashmir Bank is one of the major commercial banks in Jammu and Kashmir. Headquartered in Srinagar, the bank serves a huge client base in Kashmir (The Heaven of Earth).

About The Jammu and Kashmir Bank

The Jammu and Kashmir Bank was established in 1938. The then Maharaja of Kashmir, Hari Singh played a key role behind the formation of the bank. Herequested reputed investors from Kashmir to hold the positions of stakeholders and founder directors of the bank, the most noteworthy of which were the following:

  1. Pesten Gee
  2. Abdul Aziz Mantoo
  3. The Bhaghat Family

The Jammu and Kashmir Bank is the only Indian bank where the greater part of proprietorship is vested with the state government which is the Jammu and Kashmir Government. Jammu & Kashmir Bank is the only banker to the Jammu & Kashmir Government. It works both as a commercial bank and an investment bank in Jammu & Kashmir and as a specialized bank in other parts of India.

Jammu & Kashmir Bank has a goal of raising lending operations in the state while searching to grab niche lending opportunities all over the country to form volumes and better margins. The bank offers a variety of innovative banking products and solutions to SMEs and households.

At present, the Chairman and Chief Executive Officer (CEO) of the bank is Haseeb A. Drabu. Jammu & Kashmir Bank is listed on the BSE and NSE. The bank has got a CRISIL rating of P1+.

Jammu and Kashmir Bank products and services

The diversified suite of products and services offered by Jammu and Kashmir Bank can be categorized into the following types:


  1. Educational Finance
  2. Home Finance
  3. Specialized Finances
  4. Automobile Finance
  5. Other Finances


  1. Non Life Insurance
  2. Life Insurance

Tax Products

Tax Saver Deposit Scheme

Savings & Deposits

  1. Term Deposit
  2. Saving Bank Deposit
  3. Gift Cheque Scheme
  4. Value Added Schemes
  5. Current Accounts


  1. Empowerment Credit Card
  2. Global Access Debit Card
  3. Merchant Acquiring

Mutual Funds

Depository Services

  1. Network
  2. Basic Information
  3. Account Opening

Third Party Services

  1. Insurance Services
  2. Mutual Funds
  3. Remittance Services

Non Resident Banking

1) NRE Rupee Deposits

  1. NRE Fixed Deposits
  2. NRE Savings Account
  3. NRE Rupee Deposits

2) NRO Rupee Deposits

  1. NRO Fixed Deposits
  2. NRO Savings Account
  3. NRO Rupee Deposits

3) Deposit Plans for Returning Indians

4) Foreign Currency Non-resident-Banks (FCNR-B)

  1. Helpful Information NRO Rupee Deposits
  2. Foreign Currency Non-resident-Banks (FCNR-B)

5) Remittance from Abroad

  1. Money Transfer
  2. Remit Funds from Abroad
  3. NRI Deposit Account

Other Services

  1. Support Services
  2. Anywhere Banking
  3. SMS Banking
  4. Internet Banking
  5. Debit & Credit Cards
  6. ATM Services
  7. Merchant Acquiring

Jammu and Kashmir Bank Contact Details

Registered Office

M A Road
Srinagar 190 001
Jammu & Kashmir

Corporate Headquarters

M A Road
Srinagar 190 001
Jammu & Kashmir

EPABX Numbers: (+91- 0194) 2481930 -2481935


Jammu and Kashmir Bank


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