Jammu & Kashmir Bank has opened a major fresh recruitment for 1,033 Banking Associate posts for eligible domiciles of the Union Territory of Jammu & Kashmir. Notification No. JKB/HR/Rectt/2026-493 is dated 7 November 2026, and online registration is open from 7 November to 26 November 2026. This is one of the largest bank recruitments released today and is separate from the Bank’s Ladakh Banking Associate notification, which carries its own vacancy count and domicile condition.
At a basic level, applicants need a graduation degree in any discipline from a recognised university or an equivalent qualification recognised by the Central Government/UGC. Candidates must also hold the required J&K domicile status. The standard age range is 20 to 30 years as on 1 January 2026, before applicable category relaxation. Selection is through a single IBPS-conducted online examination of 100 questions for 100 marks in 60 minutes, with separate timing for English Language, Quantitative Aptitude and Reasoning Ability. There is no interview for Banking Associates. Starting basic pay is ₹24,050 per month in the notified Banking Associate pay scale, along with applicable cadre benefits and allowances. Selected candidates also face the notified probation, bond and initial zonal-posting conditions.
Recruitment Overview
| Particular | Details |
|---|---|
| Organisation | Jammu & Kashmir Bank Limited |
| Post | Banking Associate |
| Notification No. | JKB/HR/Rectt/2026-493 |
| Notification date | 7 November 2026 |
| Total vacancies | 1,033 |
| Domicile | Union Territory of Jammu & Kashmir |
| Application mode | Online |
| Application start | 7 November 2026 |
| Last date | 26 November 2026 |
| Exam conducting body | IBPS |
| Selection | Online examination + verification/medical formalities |
| Starting basic pay | ₹24,050 per month |
| Posting condition | Minimum 5 years in the initially allotted zone |
Vacancy Details
| Post | Vacancies |
|---|---|
| Banking Associate | 1,033 |
| Total | 1,033 |
The notification gives the overall vacancy total and applies reservation under the prevailing J&K reservation framework. Candidates should rely on the official notification for the applicable reservation percentage and certificate conditions.
Basic Eligibility / Educational Qualification
Candidates must be graduates in any discipline from a university recognised by the Government of India, or hold an equivalent qualification recognised by the Central Government/UGC.
The required qualification must be completed by 26 November 2026.
A valid Jammu & Kashmir domicile is required for this notification. Candidates applying under the Ladakh recruitment must use the separate Ladakh notification instead.
Age Limit
Age is calculated as on 1 January 2026.
| Category | Maximum age |
|---|---|
| General / EWS | 30 years |
| SC | 35 years |
| ST-1 / ST-2 | 35 years |
| OBC / ALC-IB / RBA | 33 years |
| PwBD | 40 years |
| PwBD + SC/ST | 45 years |
| PwBD + OBC/ALC-IB/RBA | 43 years |
| Ex-Servicemen | As per notified service-relaxation rule, up to the stated maximum |
Candidates who successfully completed apprenticeship with J&K Bank receive one additional year of age relaxation over their applicable category limit.
Use the Regal Naukri Age Calculator with 1 January 2026 as the cut-off date.
Salary, Probation and Bond
| Particular | Details |
|---|---|
| Starting basic pay | ₹24,050 per month |
| Pay scale | ₹24,050–₹64,480 under the notified Banking Associate scale |
| Probation | 6 months |
| Probation extension | Up to 3 additional months |
| Service bond | ₹1,00,000 |
| Minimum bond service | 6 months |
| Zonal posting condition | Minimum 5 years in the initially allotted zone |
Applicable allowances and other benefits are governed by J&K Bank rules for the Banking Associate cadre.
Application Fee
| Category | Fee |
|---|---|
| General | ₹800 + GST |
| SC / ST / OBC / ALC-IB / RBA / PwBD / Ex-Servicemen | ₹600 + GST |
Payment is made online through the application system. Applicable transaction charges are borne by the candidate.
Selection Process
Selection is based on:
- IBPS online examination
- Preparation of merit list from online-exam marks
- Document verification
- Medical fitness / appointment formalities
There is no interview for Banking Associates.
Candidates must clear the required cut-off in each test and in aggregate. The notified minimum aggregate standard is 40% for General candidates and 35% for reserved categories.
Candidates who completed apprenticeship with J&K Bank receive additional marks equivalent to 2.5% of the maximum marks in the online examination, subject to the notification conditions.
Exam Pattern
| 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 |
- Exam mode: Online
- Language: English
- Negative marking: 1/4 of the marks assigned to a question for each wrong answer
- No penalty for an unattempted question
- Each test is separately timed
Syllabus
The official notification defines the examination through three test sections:
- English Language
- Quantitative Aptitude
- Reasoning Ability
The detailed recruitment notification does not provide a separate topic-by-topic syllabus inside the exam-pattern section. Candidates should therefore prepare according to these three official test areas and follow any later J&K Bank/IBPS clarification rather than importing an older or unrelated banking syllabus.
Important Dates
| Event | Date |
|---|---|
| Notification | 7 November 2026 |
| Online registration starts | 7 November 2026 |
| Last date to apply | 26 November 2026 |
| Last date for fee payment | 26 November 2026 |
| Online examination | To be announced |
| Call letter | To be announced |
How to Apply for J&K Bank Banking Associate Recruitment 2026
- Read the official Banking Associate notification in full before registration.
- Confirm that you hold the required J&K domicile and graduation qualification. Use the Eligibility Pre-check only as a preparation aid.
- Check your age as on 1 January 2026 with the Age Calculator.
- Prepare your domicile, degree, identity and category records with the Government Job Document Checklist.
- Open the J&K Bank Careers page and choose the Banking Associate recruitment under Notification JKB/HR/Rectt/2026-493.
- Use the Apply Online link provided by the Bank to access the IBPS registration form.
- Enter your personal, domicile, graduation and category details exactly as supported by your certificates.
- Upload the required photograph, signature, handwritten declaration and other files in the prescribed format.
- Pay the applicable fee online.
- Review every field carefully before final submission because post-submission editing is restricted.
- Submit by 26 November 2026 and save the final application and payment receipt.
- For a broader application workflow, see the How to Apply for Government Jobs guide.
Documents Required
| Document | Purpose |
|---|---|
| Class 10 certificate | Date-of-birth proof |
| Graduation certificate / final marksheet | Essential qualification |
| J&K domicile certificate | Domicile eligibility |
| SC / ST / OBC / ALC-IB / RBA certificate, where applicable | Reservation/relaxation |
| PwBD certificate, where applicable | PwBD claim |
| Ex-Servicemen documents, where applicable | Ex-Servicemen claim |
| Apprenticeship completion certificate, where applicable | Extra age/marks benefit |
| Photo ID | Identity verification |
| Photograph and signature | Online application |
| Handwritten declaration | Online application requirement |
Important Candidate Notes
- This notification is for J&K domicile candidates only.
- The separate Ladakh Banking Associate recruitment should not be merged with this article.
- Graduation must be complete by 26 November 2026.
- The online exam has 1/4 negative marking.
- There is no interview for Banking Associates.
- Candidates must remain in the initially allotted zone for at least 5 years.
- The notified probation is 6 months, extendable by up to 3 months.
- The service bond is ₹1 lakh for the stated minimum service period.
Important Links
| Purpose | Link |
|---|---|
| Official Banking Associate notification | Open Official Notification |
| J&K Bank Careers | Open Careers Page |
| J&K Bank official website | Open J&K Bank Website |
| Age check | Open Age Calculator |
| Eligibility preparation | Open Eligibility Pre-check |
| Document preparation | Open Government Job Document Checklist |
FAQ
How many Banking Associate vacancies are available in J&K Bank Recruitment 2026?
There are 1,033 Banking Associate vacancies under Notification JKB/HR/Rectt/2026-493 for the UT of Jammu & Kashmir.
Who can apply?
Candidates must hold the required J&K domicile and possess a graduation degree in any discipline or equivalent recognised qualification.
What is the age limit?
General/EWS candidates should be 20 to 30 years old as on 1 January 2026, with category-specific relaxation under the notification.
What is the last date to apply?
Online registration and fee payment close on 26 November 2026.
What is the selection process?
Selection is based on an IBPS online examination, followed by document verification and medical/appointment formalities. There is no interview.
What is the exam pattern?
The exam has 100 questions for 100 marks in 60 minutes: English Language, Quantitative Aptitude and Reasoning Ability.
Is there negative marking?
Yes. One-fourth of the marks assigned to a question is deducted for each wrong answer.
What is the starting salary?
The notified starting basic pay is ₹24,050 per month, along with applicable Banking Associate allowances and benefits.