Jammu & Kashmir Bank Limited has opened online applications for 1,397 vacancies across its Probationary Officer (PO) and Banking Associate recruitment drives. The bank has issued four separate detailed notifications: one each for PO and Banking Associate posts in the Union Territory of Jammu & Kashmir and the Union Territory of Ladakh. Applications and online fee payment are open from November 7 to November 26, 2026.
This is a domicile-restricted recruitment. Candidates must apply only against the notification for the Union Territory in which they hold a valid domicile. A J&K domicile is not interchangeable with a Ladakh domicile, and applicants must select the correct post and territory before submitting the form.
J&K Bank Recruitment 2026: Vacancy Breakdown
Post
UT of J&K
UT of Ladakh
Total
Probationary Officer (PO)
323
20
343
Banking Associate
1,033
21
1,054
Total
1,356
41
1,397
The Bank has published the vacancies through four separate advertisements. The applicable reservation roster and category conditions differ between the two Union Territories. Candidates should use the detailed notification matching their domicile rather than relying on a combined vacancy summary.
Important Dates
Detailed notifications issued: November 7, 2026
Online registration begins: November 7, 2026
Last date to submit the application: November 26, 2026
Last date for online fee payment: November 26, 2026
Preliminary examination, mains examination and interview dates: To be notified by the Bank/IBPS
The notification does not specify a common closing hour in the date schedule. Applicants should complete registration and payment well before the final day. Registration is treated as complete only after successful fee payment and generation of the e-receipt.
Educational Qualification
For both posts, candidates must hold a graduate degree in any discipline from a university recognised by the Government of India, or an equivalent qualification recognised by the Central Government/UGC. The qualification must be completed by the last date of registration, November 26, 2026. Applicants must enter their graduation percentage to two decimal places. Candidates whose universities award CGPA/OGPA should follow the university’s prescribed conversion method and retain supporting proof.
Domicile Requirement
J&K vacancies: Only candidates domiciled in the Union Territory of Jammu & Kashmir may apply against the J&K notifications.
Ladakh vacancies: Only candidates domiciled in the Union Territory of Ladakh may apply against the Ladakh notifications.
A valid domicile certificate issued by the competent authority must be produced during verification.
Selected candidates must remain posted within the initially allotted zone for a minimum of five years. The notifications restrict transfer outside that zone during this period.
Age Limit and Relaxation
The basic age range is 20 to 30 years as on January 1, 2026. For the J&K Probationary Officer notification, the prescribed date-of-birth range for candidates without age relaxation is January 1, 1996 to January 1, 2006, both dates inclusive. Category-based relaxations apply under the relevant Union Territory rules.
Special provision for PO applicants from Ladakh: The Ladakh PO notification incorporates a one-time additional five-year age dispensation for recruitment years 2025 and 2026 under the applicable Ladakh Government order. This provision is specific to the Ladakh PO notification and should not be assumed to apply to Banking Associate posts or the J&K notifications. The notification also states an overall maximum age ceiling of 56 years after permissible relaxations. Applicants must read the Ladakh PO notice and verify their category-specific position before applying.
Age relaxation is not identical across all four advertisements. Candidates should rely on the relevant notification for their post and domicile, including the exact category certificate requirements.
Salary and Pay Scale
Probationary Officer
The PO post is in Junior Management Grade Scale-I (JMGS-I). The starting basic pay is ₹48,480 per month, in the notified scale of ₹48,480–₹85,920, with other admissible benefits and allowances under the officer cadre. The notification does not promise a uniform in-hand salary; actual gross and net pay depend on applicable allowances, posting and deductions.
Banking Associate
The Banking Associate post carries a starting basic pay of ₹24,050 per month in the notified scale of ₹24,050–₹64,480, plus applicable cadre benefits and allowances. The upper figure is the end of the pay scale, not the starting salary.
Application Fee
The application fee is payable online and is non-refundable. GST and applicable bank/payment gateway transaction charges are extra.
Post
Concessional categories
All other candidates
Probationary Officer
₹1,000 (SC/ST/SEBC/PwBD)
₹1,200
Banking Associate
₹600 (SC/ST/SEBC/PwBD/Ex-Servicemen)
₹800
The fee must be paid within the registration window, ending November 26, 2026. Keep the payment receipt and the final submitted application form for future reference.
Selection Process
Probationary Officer: Three stages
Preliminary examination: An online objective test covering English Language, Quantitative Aptitude and Reasoning Ability, for a total of 100 marks in 60 minutes.
Mains examination: An online examination with objective and descriptive components. The notified structure includes Reasoning, General/Economy/Banking and Digital/Financial Awareness, English Language, Data Analysis & Interpretation, and a descriptive paper.
Interview: Candidates shortlisted on the basis of mains performance will be called for an interview. The notification provides for final merit based on the prescribed mains/interview weightage.
The bank’s notification states that online examinations will be conducted by the Institute of Banking Personnel Selection (IBPS). Shortlisting ratios and qualifying requirements are governed by the detailed advertisement.
Banking Associate: Online examination and verification
Banking Associate selection is based on an online objective examination followed by document verification and other appointment formalities. The 100-question, 100-mark examination is scheduled for 60 minutes and covers English Language, Quantitative Aptitude and Reasoning Ability. The notification prescribes negative marking for wrong answers. Candidates should check the relevant Banking Associate PDF for the complete section-wise structure and qualifying conditions.
Probation, Service Bond and Posting Conditions
PO: The notified probation period is two years. Selected candidates must execute the prescribed service bond of ₹2 lakh for the minimum service commitment stated in the advertisement.
Banking Associate: The initial probation period is six months and may be extended as provided in the notification. The prescribed service bond is ₹1 lakh.
Zone commitment: Selected candidates must serve in the initially allotted zone for at least five years, subject to the detailed terms of the applicable notice.
These conditions are important before accepting an appointment. Candidates should read the complete bond, probation and joining clauses in their respective notification.
How to Apply Online
Visit the official J&K Bank Careers page using the button below.
Open the notification for the correct post and domicile: PO–J&K, PO–Ladakh, Banking Associate–J&K or Banking Associate–Ladakh.
Read the complete detailed advertisement and confirm the domicile, age, qualification and category conditions.
Select the matching Apply Online link. The application process is routed through the bank’s authorised online registration facility.
Complete the registration form and enter personal, educational, domicile and category information carefully.
Upload the photograph, signature, left thumb impression, handwritten declaration and supporting documents in the prescribed format.
Pay the applicable fee online by November 26, 2026.
After successful payment, download the e-receipt and print/save the final application form.
Apply online through the official J&K Bank Careers page:
This recruitment is not open to all Indian graduates. The domicile condition is central to eligibility, and each of the four notifications applies to a specific post and Union Territory. Do not select a Ladakh vacancy with a J&K domicile or vice versa. Also, do not treat the PO and Banking Associate fee, selection process or service conditions as interchangeable. Check the exact advertisement number and save a copy of the notification before submitting the application.
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