J&K Bank Banking Associate Recruitment 2026 – Apply Online for 21 Posts

Only domiciles of the UT of Ladakh can apply for the 21 Banking Associate posts advertised by Jammu & Kashmir Bank Ltd. (J&K Bank) under advertisement PO-Jobs2026@JKBank. Candidates must be graduates in any discipline and aged 20 to 30 years as on 01-01-2026. Applications are accepted only online through the Bank’s website jkb.bank.in under the “Careers” tab from 7 November 2026 to 26 November 2026, and the online examination will be conducted by IBPS.

J&K Bank Banking Associates at a Glance

The official notification does not specify the pay for the post.

About J&K Bank Banking Associates

Jammu & Kashmir Bank Ltd. has its Corporate Headquarters on M.A. Road, Srinagar. This recruitment, titled “Recruitment of Banking Associates – UT of Ladakh”, fills posts for the Bank’s Branch/Office(s) in the Ladakh Zone, and the online examination is conducted by IBPS.

Who Can Apply

Domicile

Only domiciles of the UT of Ladakh are eligible to apply. Selected candidates will have to submit the domicile certificate of the UT of Ladakh issued by the competent authority.

Educational Qualification

• Graduate in any discipline from a university recognized by Government of India, or any other equivalent qualification recognized as such by the Central Government/UGC, as on the last date of registration.
• The candidate must possess a valid marks sheet/degree certificate showing that he/she is a graduate as on the last date of registration, and must indicate the percentage of marks obtained in Graduation while registering online.
• The percentage is to be calculated to the nearest two decimals. Where CGPA/OGPA is awarded, it must be converted into percentage, and a certificate from the appropriate authority on the University’s conversion norms must be produced.
• Percentage is calculated on total marks in all subjects in all semesters/years divided by the aggregate maximum marks (including honours/optional/additional optional subjects), multiplied by 100. Fractions are ignored: 59.99% is treated as less than 60%.

Candidates should check the official notification for the complete eligibility conditions of the post.

Age Limit

Minimum: 20 years, Maximum: 30 years as on 01-01-2026. A candidate must have been born not earlier than 01.01.1996 and not later than 01.01.2006 (both dates inclusive). The maximum age limit applies to General and EWS category candidates.

Reservation and Age Relaxation

Reservation follows the Union territory of Ladakh Reservation Rules, 2005 and S.O. 77 dated June 27, 2025 of the Social & Tribal Welfare Department, Administration of UT of Ladakh. The notice gives reservation as percentages; it does not print category-wise numbers of the 21 posts.

• The maximum age for Ex-Servicemen is capped at 48 years after relaxation.
• SC/ST/SEBC relaxation is allowed cumulatively with the relaxation for persons with benchmark disabilities.
• Apprentices who completed Apprenticeship Training with J&K Bank and are domiciles of UT of Ladakh get 1 year of age relaxation in addition to their category relaxation, plus additional marks equal to 2.5% of the maximum marks in the online examination.
• Within the 4% for benchmark disabilities, 1% each is for (a) blindness or low vision, (b) deaf and hard of hearing, (c) locomotor disability including cerebral palsy, leprosy cured, dwarfism, acid attack victims and muscular dystrophy, and (d) autism, intellectual disability, specific learning disability and mental illness; clause (e) covers multiple disabilities.
• PwBD candidates whose certificate shows a temporary disability “likely to improve” are not eligible for reservation.
• Outstanding Sportspersons must upload a certificate in the format prescribed under the UT of Ladakh Outstanding Sportspersons Rules at registration.
• Unfilled EWS vacancies will be treated as unreserved. The category certificate must be valid on the date of online registration, and the EWS certificate must be valid for the year 2026-2027.

How to Apply for J&K Bank Banking Associates

Applications are accepted online only from 7 November 2026 to 26 November 2026; no other mode is accepted. Registration is complete only when the fee is successfully paid online.

1. Go to https://jkb.bank.in/, open the relevant notification under the “Careers” tab and click “APPLY ONLINE”.
2. Choose “Click here for New Registration” and enter name, contact details and email-id; note the Provisional Registration Number and Password sent by email and SMS.
3. Click “Validate your details” and “Save & Next”; the “SAVE AND NEXT” facility lets you complete the form in more than one sitting.
4. Upload the photograph, signature, left thumb impression and handwritten declaration, and capture a live photograph by webcam or mobile phone.
5. Fill the other details, preview the form and click “COMPLETE REGISTRATION”; no change is possible after this.
6. Click the “Payment” tab, pay the fee and click “Submit”.
7. Print the e-Receipt and the online application form containing fee details.

Application Fee

The fee is paid online from 07.11.2026 to 26.11.2026 (both dates inclusive) by Debit Cards (RuPay/Visa/MasterCard/Maestro), Credit Cards, Internet Banking, IMPS or Cash Cards/Mobile Wallets. Bank transaction charges are borne by the candidate. If no e-Receipt is generated, the payment has failed and must be repeated after logging in again.

Image Specifications

The declaration text is: “I, _______ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.” It must be in the candidate’s own handwriting; visually impaired candidates who cannot write may type it and put their left thumb impression below it.

Documents named in the notice

• 10th Certificate (Marksheet/Passing Certificate)
• Graduation Certificate (Degree/Consolidated Marksheet)
• Apprenticeship Completion Certificate, if applicable
• Ex-Servicemen Certificate, if applicable
• Certificate/s of Disability as per Form-I, II and III, and the Appendix I certificate on physical limitation to write, if applicable
• Certificate under the UT of Ladakh Outstanding Sportspersons Rules, if applicable

Documents are uploaded in PDF only, each file not exceeding 500 kb, with one single file for educational certificates.

Selection Process

Selection is through an online examination; marks obtained in the online examination only are considered for shortlisting/provisional selection, according to the reservation rules and subject to all other selection parameters. Documents in original with a photocopy are verified before provisional appointment letters are issued.

• Each test is separately timed, and candidates must qualify in each of the three tests by securing cut-off marks decided by IBPS with J&K Bank.
• Negative marking: one fourth of the marks assigned to a question is deducted for each wrong answer; blank questions carry no penalty.
• Cut-offs are applied on individual test scores and on the total score. The minimum aggregate qualifying marks are 40% for General Category and 35% for reserved category candidates, subject to overall merit.
• Scores are equated across sessions and reported up to two decimal points. Ties are broken by date of birth, with the older candidate placed ahead.

Examination Centres

Candidates must choose six centres, at least four of them outside Ladakh-UT. Within Ladakh-UT: Leh and Kargil. Outside Ladakh-UT: Delhi NCR, Patiala, Mohali, Ludhiana, Amritsar, Pathankot, Jalandhar, Bengaluru, Phagwara and others if need arise. The Bank may allot a centre other than those opted, and no request for change of centre, venue, date or session will be entertained.

Important Dates

The Bank calls this schedule tentative. Updates are posted only under the “Careers” tab of the Bank’s website; no separate intimation will be sent.

Important Instructions

• Selected candidates must remain posted within the Branch/Office(s) of the Ladakh Zone for a minimum of 5 years; no transfer outside the allotted Zone is permitted before that period on any ground.
• Candidates must give a self-declaration of character and antecedents in a prescribed format; the appointing authority may reject or cancel candidature for material misrepresentation or conviction in a criminal offence involving moral turpitude.
• No change of category is permitted after registration.
• At the examination and at joining, bring the call letter with an original and a photocopy of a valid photo identity bearing exactly the same name; Ration Card and Learner’s Driving License are not accepted.
• Candidates reporting after the time on the call letter will not be allowed to take the examination; candidates may need to be at the venue for about 4 hours.
• PwBD candidates using a scribe must arrange their own scribe, upload the Appendix I certificate and submit the Appendix II undertaking at the examination; compensatory time of 20 minutes per hour applies to eligible candidates registered for it.
• Keep a valid personal email ID and mobile number active till the recruitment ends; call letter intimations may be sent by email.

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