J&K Bank Recruitment 2026: Apply Online for 1,397 PO and Banking Associate Posts
Government Job • Jammu & Kashmir Bank Ltd.
● Applications Open: November 7, 2026
● 1,397 Posts — PO & Banking Associate
● 1,397 Posts — PO & Banking Associate
Jammu & Kashmir Bank Ltd. (J&K Bank) has released four detailed recruitment notifications on November 6, 2026, for 1,397 Probationary Officer (PO) and Banking Associate (Clerk) posts in the Union Territories of Jammu & Kashmir and Ladakh: 343 Probationary Officers and 1,054 Banking Associates. Online applications opened on November 7, 2026, and close on November 26, 2026, through the official website at jkb.bank.in. Any graduate in any discipline can apply, but only a domicile of the Union Territory named in the notification — J&K or Ladakh — is eligible for that notification. The online examinations will be conducted by the Institute of Banking Personnel Selection (IBPS). Banking Associates are selected through a single online examination, while Probationary Officers face a preliminary examination, a mains examination and an interview. Probationary Officers start at a basic pay of Rs. 48,480 and Banking Associates at Rs. 24,050. The age limit is 20 to 30 years as on January 1, 2026, with relaxations as per the rules of the respective Union Territory. The details in this post were checked against the official J&K Bank Careers page at jkb.bank.in/career, which lists all four detailed notifications with their titles, the November 7 to 26, 2026 application window and the vacancy figures (323 PO and 1,033 Banking Associate posts in J&K; 20 PO and 21 Banking Associate posts in Ladakh), and against the notification summaries published by Testbook, GovtJobsAlert and CareerIndia, which agree on the vacancies, dates, fee, age limit, pay and selection method. The advertisement numbers, fee, exam pattern and reservation percentages below are from those notification summaries, since the official Careers listing does not display the advertisement numbers; candidates should confirm every detail in the official notification PDF on jkb.bank.in before applying.
⏳ Application Window Closes In
Applications and the fee payment close on November 26, 2026. Registration is complete only after successful fee payment — submit well before the last hour to avoid last-minute technical problems.
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J&K Bank Recruitment 2026 Vacancy Details
Banking Associate: 1,054 posts | Probationary Officer: 343 posts | Total: 1,397 posts — 1,356 in Jammu & Kashmir and 41 in Ladakh.
| Post and Union Territory | Vacancies | Advertisement No. |
|---|---|---|
| Probationary Officer, Jammu & Kashmir | 323 | JKB/HR/Rectt/2026-492 |
| Probationary Officer, Ladakh | 20 | JKB/HR/Rectt/2026-494 |
| Banking Associate, Jammu & Kashmir | 1,033 | JKB/HR/Rectt/2026-493 |
| Banking Associate, Ladakh | 21 | JKB/HR/Rectt/2026-495 |
| Total | 1,397 | Four notifications |
| Reservation | Jammu & Kashmir | Ladakh |
|---|---|---|
| Scheduled Caste (SC) | 8% | 1% |
| Scheduled Tribe (ST) | 20% (10% existing list plus 10% added in 2024) | 80% |
| Socially and Educationally Backward Classes (SEBC) | OBC 8%, ALC/IB areas 4%, Backward Areas 10% | ALC areas 4% |
| Economically Weaker Sections (EWS) | 10% | 10% |
| Persons with Benchmark Disabilities (PwBD, horizontal) | 4% | 4% |
| Ex-Servicemen (Banking Associate only, horizontal) | 6% | 6% |
| Outstanding Sportspersons (Ladakh Banking Associate only, horizontal) | Not given | 4% |
Vacancy note: the notifications print only the total for each post and the reservation percentages above, not category-wise seat counts, so this post does not invent category-wise numbers. The percentages differ between Jammu & Kashmir and Ladakh — check the column for your own Union Territory. The advertisement numbers in the table above are as given in the notification summaries; the official Careers page confirms the four notifications, their titles, the application window and the vacancy figures. The Government and the Bank can change the number of vacancies without notice. Do not confuse this recruitment with the separate J&K Bank Apprentice recruitment (614 posts, Reference No. JKB/HR/Rectt/2026-182, examination held on May 31, 2026) — this is a different, direct recruitment for Probationary Officers and Banking Associates.
J&K Bank Recruitment 2026, Important Dates
| Event | Date |
|---|---|
| Detailed notifications released (four notifications) | November 6, 2026 |
| Online application starts | November 7, 2026 |
| Last date to apply online and pay the fee | November 26, 2026 |
| Age and qualification cut-off date | January 1, 2026 (age); graduation held by November 26, 2026 |
| Banking Associate admit card and online examination | To be announced |
| PO preliminary examination, mains examination and interview | To be announced |
Date note: the Bank has not yet announced the examination dates for either post. The admit card, examination schedule and result dates will be notified separately through the Bank’s official Careers section — this post does not present any exam date as fixed. The last date of November 26, 2026, covers both the application and the fee payment.
Eligibility for J&K Bank Recruitment 2026
Qualification and age are counted as on January 1, 2026, for age, and the graduation certificate must be held on November 26, 2026. Only domiciles of the Union Territory named in the notification are eligible under that notification.
🎓 Education and Domicile
A graduation degree in any discipline from a university recognised by the Government of India, or an equivalent qualification recognised by the Central Government or the University Grants Commission (UGC). The candidate must hold a valid mark sheet or degree certificate proving graduation as on the last date of registration, November 26, 2026 — a result still awaited on that date does not qualify. Graduation percentage must be entered in the online form; CGPA or OGPA must be converted into the equivalent percentage as per the university’s rules. Domicile: J&K notifications are for domiciles of the Union Territory of Jammu & Kashmir only, and Ladakh notifications for domiciles of the Union Territory of Ladakh only. A valid domicile certificate issued by the competent authority must be produced.
🎂 Age Limit (as on January 1, 2026)
20 to 30 years — born not earlier than January 1, 1996, and not later than January 1, 2006, both dates inclusive, before applying any applicable relaxation. Relaxation: 5 years for SC and ST in both Union Territories; SEBC 3 years in J&K and 5 years in Ladakh; 10 years for Persons with Benchmark Disabilities; Ex-Servicemen (Banking Associate only) as per the respective Union Territory rules, up to 48 years; and 1 additional year for candidates who have successfully completed apprenticeship training with J&K Bank (Banking Associate only). The Ladakh Probationary Officer notification alone gives a one-time additional relaxation of 5 years for recruitment conducted in 2025 and 2026, with a maximum overall age of 56 years after relaxation. EWS candidates get no age relaxation.
💰 Pay and Service Terms
Probationary Officer: starting basic pay of Rs. 48,480 in the scale 48480-2000/7-62480-2340/2-67160-2680/7-85920, Junior Management Grade Scale-I, with other perks of that grade. Banking Associate: starting basic pay of Rs. 24,050 in the scale 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680-64480, with other perks of the Banking Associate cadre. A selected Probationary Officer must join within 45 days of the provisional appointment letter, stays on probation for 2 years, and signs a bond of Rs. 2 lakh for 2 years of service; confirmation depends on a qualifying evaluation examination (minimum 40% for General, 35% for reserved categories). A Banking Associate joins within 45 days, is on probation for 6 months (extendable by up to 3 months), and signs a bond of Rs. 1 lakh for 6 months. Selected candidates must remain posted in their initially allotted zone for at least 5 years, and there is no transfer out of the first-allotted zone during that period.
📋 Conditions That Can Cancel Your Application
Applying under the wrong domicile is the most common error: only domiciles of the Union Territory named in the advertisement are eligible. No change of category is allowed after registration, and a valid category certificate is needed on the day of registration; the EWS certificate must be valid for 2026-2027, and a PwBD certificate marked “likely to improve” does not qualify for reservation. The handwritten declaration and signature must be yours and must not be written in capital letters, or the application is invalid. No change is possible after Complete Registration, and registration is complete only when the fee is paid. Government employees need a No Objection Certificate from their employer. False information can lead to cancellation of candidature at any stage, and services can be terminated if an eligibility defect is found after appointment. Canvassing, cheating, impersonation or appearing more than once in the online examination disqualifies the candidate.
Eligibility note: the qualification, age limit, pay and certificate rules above are taken from the notification summaries checked, which agree with each other and with the official J&K Bank Careers listing of the four notifications. Confirm the exact eligibility conditions in the official notification PDF on jkb.bank.in before applying.
Application Fee
The application fee varies by post and category and must be paid online between November 7 and November 26, 2026. All fees are excluding Goods and Services Tax (GST); bank transaction charges, wherever applicable, are also paid by the candidate. The fee is non-refundable and an application cannot be withdrawn.
| Category | Probationary Officer | Banking Associate |
|---|---|---|
| SC, ST, SEBC, PwBD | Rs. 1,000 + GST | Rs. 600 + GST |
| All other candidates | Rs. 1,200 + GST | Rs. 800 + GST |
| Ex-Servicemen (Banking Associate only) | — | Rs. 600 + GST |
Fee note: payment modes are debit cards (RuPay, Visa, MasterCard, Maestro), credit cards, internet banking, IMPS, and cash cards or mobile wallets. Verify your category before paying, because the fee is not refunded. Apply only through the official J&K Bank website at jkb.bank.in, and treat any demand for payment outside the official portal as fraud.
Selection Process and Exam Pattern
Banking Associates are selected through a single online examination. Probationary Officers go through a preliminary examination, a mains examination (objective plus descriptive) and an interview, with the final merit based on mains and interview marks in the ratio 80:20. The Institute of Banking Personnel Selection (IBPS) conducts the online examinations. Candidates must qualify in each section by securing the applicable cut-off marks, and a penalty of one-fourth of the marks assigned to a question is deducted for each incorrect answer in the objective tests.
| Banking Associate Exam / PO Preliminary Exam | Questions | Marks | Duration |
|---|---|---|---|
| English Language | 30 | 30 | 20 minutes |
| Quantitative Aptitude | 35 | 30 | 20 minutes |
| Reasoning Ability | 35 | 40 | 20 minutes |
| Total | 100 | 100 | 60 minutes |
| PO Mains Examination | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning | 40 | 60 | 45 minutes |
| General / Economy / Banking Awareness, Digital / Financial Awareness including RBI Circulars | 50 | 60 | 35 minutes |
| English Language | 40 | 20 | 35 minutes |
| Data Analysis and Interpretation | 40 | 60 | 45 minutes |
| Objective total | 170 | 200 | 160 minutes |
| Descriptive Paper (Essay and Comprehension) | 2 | 25 | 30 minutes |
1. Online Application (November 7 to 26, 2026)
Apply under the notification that matches your post and your domicile, through the official J&K Bank Careers page. Registration is complete only after the fee is paid. Keep ready your photograph, signature, left thumb impression, a handwritten declaration in English, and your Class 10 and graduation certificates.
2. Banking Associate Online Examination (date to be announced)
One online examination of 100 questions for 100 marks in 60 minutes, on the pattern above. Candidates must clear each test, and the minimum aggregate qualifying marks are 40% for General category candidates and 35% for reserved category candidates. Selection is on the aggregate score in this examination. Candidates who have successfully completed apprenticeship training with J&K Bank receive additional marks equal to 2.5% of the maximum online examination marks.
3. PO Preliminary Examination (date to be announced)
100 questions for 100 marks in 60 minutes, on the same pattern as the Banking Associate examination. Candidates must qualify in each of the three sections and meet the aggregate qualifying criteria of 40% for General and 35% for reserved categories. Candidates shortlisted from the preliminary examination, up to 10 times the number of vacancies in each category, appear for the mains examination.
4. PO Mains Examination and Interview (dates to be announced)
The mains examination has an objective paper of 170 questions for 200 marks and a descriptive paper of 2 questions for 25 marks. Candidates shortlisted from the mains examination, up to 3 times the number of vacancies in each category, are called for interview. The interview is for 100 marks, with a minimum of 40% for General and 35% for reserved categories. Final merit is on mains and interview marks in the ratio 80:20. Document verification and eligibility checks follow before appointment. A reserve list of up to 50% of the vacancies in each category is kept for 1 year or until the next notification, whichever is earlier. Ties are broken by date of birth, with the older candidate placed first.
Pattern note: the examination pattern above is from the notification summaries checked, which agree with each other. Confirm the exact pattern and syllabus in the official notification PDF on jkb.bank.in before preparation. Examination centres: you choose 6 centres, and at least 3 must be outside Jammu & Kashmir (J&K notifications) or at least 4 outside Ladakh (Ladakh notifications). Centres inside J&K are Pulwama, Jammu, Srinagar, Baramulla and Samba; centres inside Ladakh are Leh and Kargil. The Bank may allot a centre you did not choose.
How to Apply for J&K Bank Recruitment 2026
1
Pick your notification
Visit jkb.bank.in and open the Careers section. Choose the notification that matches your post (Probationary Officer or Banking Associate) and your domicile (Jammu & Kashmir or Ladakh), and read the full detailed notification before beginning.
2
Register online
Click the Apply Online link on the official Careers page, choose New Registration, and enter your name, contact details and email address. Note down the Provisional Registration Number and Password you receive.
3
Fill the form
Complete the application form with your educational, domicile and category information, and choose 6 examination centres, with at least 3 outside Jammu & Kashmir (J&K notifications) or at least 4 outside Ladakh (Ladakh notifications). Enter your graduation percentage to two decimals.
4
Upload photo and documents
Upload your photograph (20 to 50 kb), signature (10 to 20 kb), left thumb impression (20 to 50 kb), handwritten declaration (50 to 100 kb), and a live photograph, plus the applicable certificates as PDF files up to 500 kb each: Class 10, graduation, disability, apprenticeship, Ex-Servicemen, scribe and Outstanding Sportspersons certificates where they apply.
5
Preview and pay the fee
Preview the completed form and verify every detail, then click Complete Registration and pay the application fee online (Rs. 600 to Rs. 1,200 plus GST, as per your post and category). No change is possible after Complete Registration, and registration is complete only when the fee is paid.
6
Submit and keep the receipt
Submit the application on or before November 26, 2026. Keep a printout of the e-Receipt and the application form for the examination and document verification.
Important Links
Official website: jkb.bank.in
Official Careers page (notifications and Apply Online): jkb.bank.in/career
Apply online: use the “APPLY FOR THE POST OF PROBATIONARY OFFICER/ BANKING ASSOCIATE” card on the official Careers page at jkb.bank.in/career, which routes to the IBPS registration portal.
Official notification PDFs: “Detailed Notification for Recruitment of Probationary Officers for the UT of J&K” (323 posts), “Detailed Notification for Recruitment of Banking Associates for the UT of J&K” (1,033 posts), “Detailed Notification for Recruitment of Probationary Officers for the UT of Ladakh” (20 posts) and “Detailed Notification for Recruitment of Banking Associates for the UT of Ladakh” (21 posts) are all listed on the official Careers page at jkb.bank.in/career.
J&K Bank Recruitment 2026, FAQs
How many vacancies are announced under J&K Bank Recruitment 2026?
1,397 vacancies in total: 343 Probationary Officers (323 in Jammu & Kashmir and 20 in Ladakh) and 1,054 Banking Associates (1,033 in Jammu & Kashmir and 21 in Ladakh). The Bank issued four separate detailed notifications, one for each post and Union Territory.
What are the advertisement numbers for J&K Bank Recruitment 2026?
As given in the notification summaries: JKB/HR/Rectt/2026-492 (Probationary Officer, Jammu & Kashmir), 2026-494 (Probationary Officer, Ladakh), 2026-493 (Banking Associate, Jammu & Kashmir) and 2026-495 (Banking Associate, Ladakh). The official Careers page confirms the four notifications, their titles, the application window and the vacancy figures, but does not display the advertisement numbers on its listing page.
When does the J&K Bank application start, and what is the last date to apply?
The online application opened on November 7, 2026, and closes on November 26, 2026. The fee must also be paid by November 26, 2026. Applications are submitted only through the official J&K Bank website at jkb.bank.in, from the Careers page.
Who can apply for J&K Bank Recruitment 2026?
Any graduate in any discipline who is a domicile of the Union Territory named in the notification. J&K notifications are for domiciles of the Union Territory of Jammu & Kashmir only, and Ladakh notifications for domiciles of the Union Territory of Ladakh only. A candidate from outside Jammu & Kashmir and Ladakh cannot apply.
What is the qualification for J&K Bank PO and Banking Associate posts?
A graduation degree in any discipline from a university recognised by the Government of India, or an equivalent qualification recognised by the Central Government or the University Grants Commission (UGC). The degree or mark sheet must be held on November 26, 2026; a result still awaited on that date does not qualify.
What is the age limit for J&K Bank Recruitment 2026?
As on January 1, 2026: 20 to 30 years (born not earlier than January 1, 1996, and not later than January 1, 2006). Relaxation of 5 years applies to SC and ST candidates; SEBC candidates get 3 years in Jammu & Kashmir and 5 years in Ladakh; Persons with Benchmark Disabilities get 10 years. The Ladakh Probationary Officer notification alone gives a one-time additional relaxation of 5 years, with a maximum overall age of 56 years.
What is the application fee for J&K Bank Recruitment 2026?
For Probationary Officer: Rs. 1,000 plus GST for SC, ST, SEBC and PwBD candidates, and Rs. 1,200 plus GST for all others. For Banking Associate: Rs. 600 plus GST for SC, ST, SEBC, PwBD and Ex-Servicemen candidates, and Rs. 800 plus GST for all others. The fee is paid online only and is non-refundable.
What is the salary for J&K Bank PO and Banking Associate?
Probationary Officer: starting basic pay of Rs. 48,480 in the Junior Management Grade Scale-I, with other perks of that grade. Banking Associate: starting basic pay of Rs. 24,050, with other perks of the Banking Associate cadre.
What is the selection process for J&K Bank Recruitment 2026?
Banking Associates are selected through a single online examination. Probationary Officers go through a preliminary examination, a mains examination (objective plus descriptive) and an interview, with final merit on mains and interview marks in the ratio 80:20. The Institute of Banking Personnel Selection (IBPS) conducts the online examinations. There is negative marking of one-fourth of the marks for each wrong answer in the objective tests.
When is the J&K Bank exam in 2026?
The Bank has not yet announced the examination dates for either post. The admit card, examination schedule and result dates will be notified separately through the Bank’s official Careers section at jkb.bank.in/career.
Madhu Choudhary
Madhu Choudhary is a creative content and blog writer based in Rohtak, Haryana, with 14+ years of experience as a professional writer, including content for the education, health and IT sectors. At Jobriya, Madhu publishes government job updates, admit cards, results and exam schedules, checked against official sources before publishing, so readers get clear dates and direct official links.
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