The J&K Bank recruitment 2026 offers 1,397 posts of Probationary Officer and Banking Associate in J&K and Ladakh. As per Notification Nos. JKB/HR/Rectt/2026-492 to 2026-495 on jkb.bank.in, Jammu & Kashmir Bank Ltd. (J&K Bank) has released four notices dated 7 November 2026. Applications open on 7 November 2026 and close on 26 November 2026.
The Bank has 323 Probationary Officer posts and 1,033 Banking Associate posts in J&K, and 20 and 21 posts in Ladakh. A full post-wise breakdown follows. Selected candidates must work in the zone first allotted to them for five years. Candidates should check all details in the article below.
Information verified from the official J&K Bank notification Nos. JKB/HR/Rectt/2026-492, 2026-493, 2026-494 and 2026-495, dated 7 November 2026.
Last verified: 7 November 2026.
J&K Bank is hiring 1,397 Probationary Officers and Banking Associates in the Union Territories (UT) of J&K and Ladakh. The last date to apply online and pay the fee is 26 November 2026 on ibpsreg.ibps.in. Probationary Officers clear three stages, Banking Associates sit one exam, and only UT domiciles can apply.
Table of Contents
- Quick Summary of J&K Bank Probationary Officer and Banking Associate Posts
- J&K Bank recruitment 2026 across J&K and Ladakh
- Important dates
- Vacancy details and salary
- Reservation and age relaxation
- Eligibility
- Selection process
- Exam centres and exam day rules
- Application fee
- How to apply for J&K Bank recruitment 2026
- Joining, probation and bond
- Important Links
- FAQs
Quick Summary of J&K Bank Probationary Officer and Banking Associate Posts
| Detail | Information |
|---|---|
| Organisation | Jammu & Kashmir Bank Ltd. |
| Posts | Probationary Officer, Banking Associate |
| Total Vacancy | 1,397 |
| Salary | Basic pay: ₹48,480 (Probationary Officer), ₹24,050 (Banking Associate) |
| Application Mode | Online only |
| Eligibility | Graduate in any discipline |
| Age Limit | 20 to 30 years as on 1 January 2026 |
| Selection Process | Probationary Officer: preliminary, mains, interview. Banking Associate: one online exam |
| Place of Posting | Zone first allotted by the Bank, for five years |
| Language / Domicile | Domicile of UT of J&K or UT of Ladakh, as per the notice |
| Who Can Apply | Graduates with the matching UT domicile |
| Last Date | 26 November 2026 |
J&K Bank recruitment 2026 across J&K and Ladakh
The Bank issued one notice per post for each UT, four in all. A candidate applies under the notice that matches his or her domicile. Candidates from West Bengal, Sikkim or any other state cannot apply, and can browse the latest jobs across India instead.
Posting is the other fixed rule in the J&K Bank recruitment 2026. Selected candidates must work in the zone first allotted to them for at least five years. The notices allow no transfer outside that zone on any ground, and Ladakh posts sit in the Ladakh Zone.
Also Read: SBI Risk Specialist Recruitment 2026: CA, CFA, MBA
Important dates
All four notices share these dates.
| Event | Date |
|---|---|
| Notification date | 7 November 2026 |
| Online application and fee payment start | 7 November 2026 |
| Last date for application and fee payment | 26 November 2026 |
| Call letters, exams and results | Notified separately |
Fee payment for the J&K Bank recruitment 2026 runs on the same dates, with both days inclusive. Registration counts as complete only after the fee is paid online. The notices say the Bank will send no separate intimation of changes, so candidates should check the careers page on jkb.bank.in regularly.
Vacancy details and salary
The table lists the vacancies in each notice.
| Post | UT | Posts | Basic Pay |
|---|---|---|---|
| Probationary Officer | J&K | 323 | ₹48,480 |
| Probationary Officer | Ladakh | 20 | ₹48,480 |
| Banking Associate | J&K | 1,033 | ₹24,050 |
| Banking Associate | Ladakh | 21 | ₹24,050 |
| Total | J&K and Ladakh | 1,397 |
Pay in the J&K Bank recruitment 2026 starts at ₹48,480 basic for Probationary Officers, in the scale 48480-2000/7-62480-2340/2-67160-2680/7-85920. Other perks follow the Junior Management Grade Scale-I. Banking Associates start at ₹24,050 basic, in the scale 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680-64480, with other perks for the Banking Associate cadre.
Also Read: SBI SCO Recruitment 2026: Chief Manager, Manager Posts
Reservation and age relaxation
Each UT follows its own reservation rules. J&K posts follow S.O. 176 dated 15 March 2024, and Ladakh posts follow S.O. 77 dated 27 June 2025.
Reservation for J&K posts
| Category | Reservation | Age Relaxation |
|---|---|---|
| Scheduled Castes | 8% | 5 years |
| Scheduled Tribes (list i) | 10% | 5 years |
| Scheduled Tribes (list ii) | 10% | 5 years |
| Other Backward Classes | 8% | 3 years |
| Residents near ALC or International Border | 4% | 3 years |
| Residents of Backward Areas | 10% | 3 years |
| Economically Weaker Sections | 10% | Nil |
| Persons with disabilities | 4% horizontal | 10 years |
| Ex-servicemen (Banking Associate only) | 6% horizontal | Service plus 3 years, up to 48 years |
Scheduled Tribes list I covers Bakarwal; Balti; Beda; Bot, Boto; Brokpa, Drokpa, Dard, Shin; Changpa; Garra; Gaddi; Gujjar; Mon; Purigpa; and Sippi. List II covers Gadda Brahmin, Koli, Paddari Tribe and Pahari Ethnic Group. LAC stands for the Line of Actual Control.
Reservation for Ladakh posts
| Category | Reservation | Age Relaxation |
|---|---|---|
| Scheduled Castes | 1% | 5 years |
| Scheduled Tribes | 80% | 5 years |
| Residents near Line of Actual Control | 4% | 5 years |
| Economically Weaker Sections | 10% | Nil |
| Persons with benchmark disabilities | 4% horizontal | 10 years |
| Ex-servicemen (Banking Associate only) | 6% horizontal | Service deducted, cap 48 years |
For Ladakh ex-servicemen, the Bank deducts military service from the candidate’s age. A result that exceeds the age limit by up to three years still qualifies, with a cap of 48 years.
Ladakh Banking Associate posts also carry a 4% horizontal reservation for Outstanding Sportspersons under the UT of Ladakh Outstanding Sportspersons Rules, 2026. Candidates must upload a certificate from the competent authority, in the prescribed format, at registration.
Disability and category rules
The disability quota has four groups at 1% each.
- Blindness or low vision
- Deaf and hard of hearing
- Locomotor disability (the Ladakh notices add spinal deformity and spinal injury)
- Autism, intellectual disability, specific learning disability, mental illness and multiple disabilities
Only persons with 40% or more of a specified disability count as benchmark disability. A certificate that marks the condition “likely to improve” does not qualify for reservation.
Candidates in the J&K Bank recruitment 2026 need a valid reserved category certificate on the date of registration. The Economically Weaker Sections certificate must be valid for 2026-2027, and the category cannot change after registration. A reserved candidate who makes the general list on merit is treated as a general candidate.
Eligibility
Only domiciles of the UT of J&K can apply for the J&K posts. Only domiciles of the UT of Ladakh can apply for the Ladakh posts. Selected candidates must submit a domicile certificate from the competent authority and a self-declaration of character and antecedents. Both posts share the same basic age and qualification rules.
Age limit
The age limit for the J&K Bank recruitment 2026 is 20 to 30 years as on 1 January 2026. Candidates must be born between 1 January 1996 and 1 January 2006, both dates inclusive. The maximum of 30 years applies to General and Economically Weaker Sections candidates. Reserved categories get the relaxation in the tables above. The age calculator shows a candidate’s age on the cut-off date.
Ladakh Probationary Officer candidates get five more years under General Administration Department Order No. 280-LA(GAD) of 2025 dated 30 June 2025. This one-time dispensation covers recruitment in 2025 and 2026, and it applies to unreserved and reserved candidates alike. The total relaxation cannot take a candidate past 56 years.
Banking Associate candidates who completed apprenticeship training with J&K Bank and hold the UT domicile get one more year of age relaxation. They also get extra marks equal to 2.5% of the maximum marks in the online exam.
Educational qualification
Candidates for the J&K Bank recruitment 2026 must hold a graduate degree in any discipline. The university must be recognised by the Government of India. An equivalent qualification recognised by the Central Government or UGC also counts. The degree must be held on the last date of registration.
Candidates must enter the graduation percentage to two decimals and convert any CGPA or OGPA into a percentage. Fractions are ignored, so 59.99% counts as below 60%.
Also Read: SBI Fire Engineer Recruitment 2026 – 17 Posts, Ends 25 Nov
Selection process
Selection in the J&K Bank recruitment 2026 differs by post.
Probationary Officer
The Probationary Officer post has three stages, and the Institute of Banking Personnel Selection (IBPS) conducts the online exams.
- Preliminary exam of 100 questions, 100 marks and 60 minutes.
- Mains exam with objective tests and a descriptive paper.
- Interview of 100 marks, held by the Bank at select centres.
| Preliminary Test | Questions | Marks | Time |
|---|---|---|---|
| English Language | 30 | 30 | 20 minutes |
| Quantitative Aptitude | 35 | 30 | 20 minutes |
| Reasoning Ability | 35 | 40 | 20 minutes |
| Total | 100 | 100 | 60 minutes |
| Mains Test | Questions | Marks | Time |
|---|---|---|---|
| Reasoning | 40 | 60 | 45 minutes |
| General, Economy and Banking Awareness | 50 | 60 | 35 minutes |
| English Language | 40 | 20 | 35 minutes |
| Data Analysis and Interpretation | 40 | 60 | 45 minutes |
| Total | 170 | 200 | 160 minutes |
The awareness test also covers digital and financial awareness, including Reserve Bank of India (RBI) circulars. The descriptive paper (essay and comprehension) has two questions, 25 marks and 30 minutes. The mains runs for 3 hours 10 minutes in all.
Candidates must clear each of the three preliminary tests, with cut-offs set by IBPS and the Bank. The aggregate minimum is 40% for General and 35% for reserved candidates. This applies to the preliminary exam, the mains and the interview, subject to overall merit. Each wrong answer in the objective tests costs one-fourth of its marks, and a blank answer costs nothing.
The Bank calls candidates for the mains at 10 times the vacancies in each category, and for the interview at 3 times. Only mains marks decide the interview shortlist. The final score combines mains and interview marks in an 80:20 ratio, and the older candidate ranks first when scores tie.
Banking Associate
Selection for the Banking Associate post in the J&K Bank recruitment 2026 rests on one online exam conducted by IBPS. It has the same three tests, question counts, marks and timings as the Probationary Officer preliminary exam. Wrong answers carry the same one-fourth penalty.
Cut-offs apply to each test and to the total score. The aggregate minimum is 40% for General and 35% for reserved candidates. Marks in the online exam alone decide shortlisting and provisional selection under the reservation rules. The older candidate ranks first when scores tie.
For both posts, the Bank draws a reserve list of up to 50% of the vacancies in each category. The list stays valid for one year from the selection list, or until the next recruitment notice, whichever comes first.
Also Read: SBI Security Officer Recruitment 2026 – 60 Posts
Exam centres and exam day rules
Candidates for the J&K Bank recruitment 2026 choose six centres. At least three must lie outside J&K for J&K posts, and at least four must lie outside Ladakh for Ladakh posts. The Bank may allot any other centre and takes no requests to change one.
For J&K posts, the centres inside the UT are Pulwama, Baramulla, Jammu, Samba and Srinagar. For Ladakh posts, they are Leh and Kargil.
Outside the UT, Probationary Officer centres are Delhi NCR, Patiala, Mohali, Amritsar, Pathankot, Jalandhar, Ludhiana and Phagwara. They also include Bengaluru, Mumbai (with Navi Mumbai and Thane) and Pune. Banking Associate centres are the same list without Mumbai and Pune. The Bank may add others if the need arises.
- Candidates must carry the valid call letter, the original photo ID and a photocopy of it.
- The name on the ID must match the call letter. A ration card and a learner’s driving licence are not accepted.
- Candidates who report after the time on the call letter cannot sit the exam.
- Probationary Officer candidates must also bring one extra photograph.
- For the mains, they must bring the stamped preliminary call letter and a stamped ID photocopy.
- Mobile phones, calculators, watches, bags, metallic items, eatables and water bottles are barred inside the centre.
The Probationary Officer preliminary exam lasts one hour, but candidates may stay at the venue for about two hours or more. For the mains, the stay may run about four hours or more. The one-hour Banking Associate exam may also keep candidates at the venue for about four hours.
Application fee
Candidates pay the fee for the J&K Bank recruitment 2026 online, and the amounts below exclude GST. In the table, SC and ST mean Scheduled Castes and Scheduled Tribes. SEBC means Socially and Educationally Backward Classes, PwBD means persons with benchmark disabilities, and ESM means ex-servicemen.
| Post | Category | Fee |
|---|---|---|
| Probationary Officer | SC, ST, SEBC, PwBD | ₹1,000 |
| Probationary Officer | All others | ₹1,200 |
| Banking Associate | SC, ST, SEBC, PwBD, ESM | ₹600 |
| Banking Associate | All others | ₹800 |
Candidates bear the bank transaction charges. Payment works through debit cards (RuPay, Visa, MasterCard, Maestro), credit cards, internet banking, IMPS, cash cards and mobile wallets. The fee is not refunded and is not held for any other exam. A missing e-receipt means the payment failed, and the candidate must log in again and repeat it.
How to apply for J&K Bank recruitment 2026
- Scan the photograph (4.5 cm × 3.5 cm), signature, left thumb impression and handwritten declaration to the sizes in the table below. Keep a valid personal email ID and mobile number active.
- Open the careers tab on jkb.bank.in, choose the notification for the post and UT, and click Apply Online. The application portal is ibpsreg.ibps.in.
- Choose “Click here for New Registration” and enter name, contact details and email ID. Note the Provisional Registration Number and password that the system shows and sends by email and SMS.
- Fill in the form and use Save and Next to check the details. Spell the candidate’s name and the father’s or husband’s name exactly as on the certificates.
- Upload the four scanned files. Capture and upload a live photograph by webcam, or by scanning the QR code on a mobile phone.
- Upload the documents as PDF files, each up to 500 KB. Combine all educational certificates into one file.
- Preview the form, then click Complete Registration. No changes are possible after this click.
- Pay the fee online and wait for confirmation without pressing back or refreshing. Click Submit, then print the application form and the e-receipt.
Candidates can fit the image size limits with the photo and signature resizer before uploading.
| File | Size | Preferred Pixels |
|---|---|---|
| Photograph | 20 to 50 KB | 200 x 230 |
| Signature | 10 to 20 KB | 140 x 60 |
| Left thumb impression | 20 to 50 KB | 240 x 240 |
| Handwritten declaration | 50 to 100 KB | 800 x 400 |
All four image files must be in JPG or JPEG format. The signature and declaration must not be in capital letters. The candidate must handwrite the declaration in English. It must say that the information in the form is correct, true and valid. It must also say that the candidate will present supporting documents when required.
Each PDF must stay within 500 KB, and a PDF compressor helps with that.
Documents to keep ready
- 10th certificate (marksheet or passing certificate)
- Graduation certificate (degree or consolidated marksheet)
- Apprenticeship completion certificate, if applicable
- Ex-servicemen certificate, if applicable
- Disability certificate in Form I, II or III, as applicable
- Certificate of physical limitation to write (Appendix I), if applicable
- Outstanding sportsperson certificate for the Ladakh Banking Associate post, if applicable
Joining, probation and bond
A selected Probationary Officer in the J&K Bank recruitment 2026 must join within 45 days of the provisional appointment letter. The probation lasts two years, with a yearly review of work, performance and conduct. Confirmation requires satisfactory performance and a qualifying evaluation exam, with a minimum of 40% for General and 35% for reserved candidates. The officer signs a bond of ₹2,00,000 to serve the Bank for at least two years.
A Banking Associate must join within 45 days. The probation lasts six months, and the Bank may extend it by up to three months. The bond is ₹1,00,000 for a minimum of six months. The Bank invokes each bond if the appointee resigns before the period ends. Appointment for both posts also depends on medical fitness, except for persons with benchmark disabilities.
Also Read: Bank of Baroda Recruitment 2026: 837 Posts, Apply by 24 Nov
Important Links
| Details | Link |
|---|---|
| J&K Bank careers page and notifications | Open J&K Bank careers page on jkb.bank.in |
| Online application | Apply online for J&K Bank PO and Banking Associate posts |
Should you apply?
The posts suit graduates of any discipline who hold a J&K or Ladakh domicile. They also suit candidates ready to work in one zone for five years. The Probationary Officer post pays a higher starting basic pay, with three exam stages and a two-year probation. The Banking Associate post needs one online exam and no interview, which suits candidates who want a shorter process.
The posting stays within the allotted zone for five years, and the bond applies if a selected candidate leaves early. Because any graduate can apply, the J&K Bank recruitment 2026 will draw strong competition. Ladakh candidates should read the category split closely, since the Ladakh notices reserve 80% of posts for Scheduled Tribes. Candidates outside both UTs can follow other government job updates on the site.
This is added context, not part of the official notification. Confirm with the hiring office.
FAQs
What is the last date to apply for J&K Bank recruitment 2026?
The last date is 26 November 2026 for both online registration and fee payment. Applications opened on 7 November 2026, and both dates are inclusive. A registration counts as complete only after the fee is paid online.
What is the salary of a J&K Bank Probationary Officer?
The starting basic pay is ₹48,480 in the scale 48480-2000/7-62480-2340/2-67160-2680/7-85920, with other perks for Junior Management Grade Scale-I. A Banking Associate starts at ₹24,050 basic pay. The notices call these the present starting figures.
Can candidates from outside J&K and Ladakh apply for J&K Bank posts?
No. Only domiciles of the UT of J&K can apply for the J&K posts. Only domiciles of the UT of Ladakh can apply for the Ladakh posts. Selected candidates must submit a domicile certificate from the competent authority.
Is there an interview for the J&K Bank Banking Associate post?
No interview is listed for the Banking Associate post. Selection rests on the aggregate score in one online exam of 100 questions, 100 marks and 60 minutes. Only the Probationary Officer posts in the J&K Bank recruitment 2026 include a mains exam and an interview.
Written and verified by
Sandeep Khati
Founder and Editor, India Job Alerts
B.Tech in Computer Science from Jalpaiguri Government Engineering College (2010). Former Systems Engineer at TCS and in digital publishing since 2011. He started India Job Alerts in April 2025 to publish verified government and PSU job notifications for West Bengal, Sikkim and the rest of India. Every post is checked against the official notification before it goes live. Also writes about the Darjeeling hills at SearchDarjeeling.