J&K Bank Recruitment 2026 Notification OUT for 1,397 Clerk & PO Posts, Apply Online

Jammu & Kashmir Bank has released the J&K Bank Recruitment 2026 Notification for 1,397 vacancies for Probationary Officer (PO) and Banking Associate (Clerk) posts. The recruitment offers opportunities for eligible graduates seeking a career in the banking sector. The vacancies are distributed across the Union Territories of Jammu & Kashmir and Ladakh.

J&K Bank Recruitment 2026 Notification OUT

The online application process will begin on 7 November 2026, and candidates can submit their applications until 26 November 2026. Interested applicants must check the eligibility criteria, age limit, educational qualification, application fee and selection process before registering. The bank has issued separate notifications for PO and Banking Associate vacancies in the two Union Territories, so candidates must apply under the notification applicable to their domicile.

J&K Bank Notification PDF (UT of J&K): Probationary Officer

J&K Bank Notification PDF (UT of J&K): Banking Associate

J&K Bank Notification PDF (UT of Ladakh): Probationary Officer

J&K Bank Notification PDF (UT of Ladakh): Banking Associate

J&K Bank 2026: Overview

The recruitment includes 343 Probationary Officer vacancies and 1,054 Banking Associate vacancies across the two Union Territories. The online examinations will be conducted by the Institute of Banking Personnel Selection (IBPS), as specified in the notifications.

J&K Bank 2026: Important Dates

The online registration and fee payment window will remain open for 20 days. The bank has not yet announced the examination dates or call letter release schedule.

J&K Bank Vacancy 2026: Post-Wise and Region-Wise Distribution

J&K Bank has released separate recruitment notifications for the UT of Jammu & Kashmir and the UT of Ladakh. Candidates should carefully check the domicile requirement before applying, as the vacancies are region-specific.

J&K Bank Eligibility Criteria

Candidates must fulfil the domicile, age and educational qualification requirements specified for the post and region they are applying for. The basic eligibility conditions for the PO and Banking Associate posts are outlined below.

Domicile Requirement

• UT of Jammu & Kashmir vacancies: Only candidates domiciled in the UT of Jammu & Kashmir are eligible.
• UT of Ladakh vacancies: Only candidates domiciled in the UT of Ladakh are eligible.

Age Limit

The basic age limit for both posts is 20 to 30 years as on 1 January 2026. Candidates must have been born between 1 January 1996 and 1 January 2006, both dates inclusive, subject to applicable age relaxations.

• SC/ST: 5 years
• Other eligible reserved categories: As per respective UT reservation rules
• Persons with Benchmark Disabilities: 10 years
• J&K Bank apprentices who successfully completed training (Banking Associate): Additional 1 year

Special provision for Ladakh PO candidates: The Ladakh PO notification also provides an additional five-year age relaxation as a one-time special dispensation for recruitment years 2025 and 2026. This applies to candidates across categories, subject to the maximum age limit of 56 years and the conditions specified in the notification. Candidates applying for other posts should refer to their respective notification for the applicable age provisions.

Educational Qualification

Candidates applying for either Probationary Officer or Banking Associate must hold a graduation degree in any discipline from a university recognised by the Government of India or possess an equivalent qualification recognised by the Central Government/UGC.

J&K Bank Recruitment 2026: Application Fees

The application fee differs for Probationary Officers and Banking Associates. The amounts mentioned below are exclusive of GST, and candidates must also bear the applicable bank transaction charges.

How to Apply Online for J&K Bank Recruitment 2026?

Candidates can submit their applications through the official J&K Bank website under the Careers section. Before starting registration, applicants should keep their educational certificates, photograph, signature, left thumb impression and handwritten declaration ready.

• Visit the official website of J&K Bank at jkb.bank.in.
• Open the Careers section and select the relevant PO or Banking Associate recruitment notification.
• Click on the online application link.
• Complete the new registration using the required personal details and contact information.
• Fill in the application form with educational, category and domicile details.
• Upload the required photograph, signature, left thumb impression and handwritten declaration.
• Preview the application and verify all the details carefully.
• Pay the applicable application fee through the online payment gateway.
• Submit the application and download the confirmation page and e-receipt for future reference.

J&K Bank PO Exam Pattern 2026

The selection process for Probationary Officers consists of three stages: Preliminary Examination, Mains Examination and Interview. Candidates shortlisted in the Preliminary Examination will appear for Mains, while those qualifying in Mains will be called for the Interview.

Prelims Exam Pattern

J&K Bank PO Mains Exam Pattern

Interview and final selection

The Interview carries 100 marks, with minimum qualifying marks of 40% for General category candidates and 35% for reserved category candidates. The final merit score is calculated using an 80:20 weightage for the Mains Examination and Interview, respectively.

J&K Bank Banking Associate Exam Pattern 2026

The Banking Associate selection process includes an online objective examination. The test consists of three sections with a total of 100 questions and 100 marks, to be completed in 60 minutes.

J&K Bank Salary 2026

The bank has specified the starting basic pay for both posts along with the applicable perks and allowances. The salary structure differs according to the cadre.

• Probationary Officer: ₹48,480
• Banking Associate: ₹24,050

Important Service Conditions for Selected Candidates

Candidates should take note of the posting and service conditions mentioned in the notifications before submitting their applications. These conditions are particularly important because the recruitment is being conducted separately for the two Union Territories.

• Minimum posting period: Selected candidates must remain posted within the initially allotted Zone for at least five years.
• Ladakh vacancies: Selected candidates will have to remain posted within the Ladakh Zone for a minimum of five years.
• PO probation: Probationary Officers will remain on probation for two years.
• Banking Associate probation: Banking Associates will initially be on probation for six months, which may be extended by up to three months under the conditions specified by the bank.
• Joining bond: PO candidates must execute a bond of ₹2 lakh for a minimum service period of two years. Banking Associates must execute a bond of ₹1 lakh for a minimum service period of six months.