J&K Bank Recruitment 2026, Apply Online

Jammu and Kashmir Bank has issued a notification inviting online applications from retired officers of J&K Bank and other Public Sector Undertaking (PSU) banks for engagement as Credit Auditors. The engagement is intended to strengthen credit audit and inspection activities at the bank’s branches located across various states and Union Territories of India.

According to the notification issued by the S&C and Audit Department, Corporate Headquarters, M.A. Road, Srinagar, the selected retired officers will be engaged for a fixed period from November 1, 2026, to October 31, 2027.

Eligible retired bank officers who meet the prescribed requirements regarding retirement status, officer scale, banking experience, age, medical fitness and technical knowledge can submit their applications through the bank’s official website. Applicants must also submit the downloaded application form and required annexures in hard copy within the specified deadline.

Important Dates

The notification provides the following important dates for candidates interested in applying:

Candidates should ensure that both the online application and the required hard-copy documents are submitted within the prescribed timelines.

Vacancy and Engagement Details

The notification is for the engagement of retired officers as Credit Auditors in J&K Bank.

The notification does not specify the total number of Credit Auditor positions or the remuneration payable. Candidates should refer to the official application format or any additional instructions issued by the bank for further details.

Eligibility Criteria for J&K Bank Credit Auditor Recruitment 2026

Applicants must fulfil all the eligibility conditions mentioned in the official notification.

1. Retirement Status and Service Record

Candidates must have retired honourably from service, either through superannuation or under the Voluntary Retirement Scheme (VRS).

Applicants must not have been awarded any major or minor punishment during their service. They must also not have been charge-sheeted and punished for serious lapses or offences during their active service.

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Retired officers of other PSU banks are required to submit a certificate in the prescribed annexure format issued by the Human Resource Department of the Head Office of their respective employer bank.

2. Officer Scale and Banking Experience

Applicants must have retired at Scale III or above and must possess a minimum of 15 years of experience as an officer in a bank.

In addition to the overall experience requirement, candidates must have at least three years of experience in one or more of the following areas:

This experience may have been gained at branches, controlling offices or through work as a Credit Auditor.

Candidates should ensure that their professional experience meets the requirements specified in the notification before applying.

3. Age Limit

Applicants must not be above 65 years of age as on September 1, 2026.

Candidates should calculate their age with reference to the specific cut-off date mentioned in the notification rather than the application deadline.

4. Medical Fitness

Candidates must be medically fit to undertake Credit Audit assignments.

A medical fitness certificate issued by a medical practitioner with a minimum MBBS qualification must be submitted along with the application.

Applicants must also be capable of travelling to distant branches and locations whenever required for audit, inspection and security verification activities.

5. Computer Knowledge

Applicants must possess adequate computer knowledge and be able to operate computers independently.

This requirement is important because the inspection report must be entered and submitted online. Candidates should therefore be comfortable handling computer-based reporting and documentation.

6. Knowledge of Finacle Core Banking Solution

Candidates must be well-versed in and familiar with the Finacle Core Banking Solution (CBS).

Knowledge of Finacle is a mandatory eligibility condition specified in the notification, making practical familiarity with the banking software important for the assignment.

How to Apply ?

Eligible retired officers can follow the application procedure outlined below.

Candidates should retain a copy of the submitted application and relevant documents for their records. The notification does not provide a detailed document checklist, so applicants should follow the prescribed application format for the exact requirements.

Where to Submit the Hard Copy of the Application

The downloaded application form, along with duly filled annexures, must reach the following office by the prescribed deadline:

Address:

Deputy General Manager S&C and Audit Division J&K Bank Corporate Headquarters M.A. Road, Srinagar – 190001

Last Date for Receipt: October 23, 2026

Candidates should ensure that the application reaches the designated office by the deadline. Merely submitting the online form may not fulfil the complete application procedure because the notification also requires submission of the hard copy.

Important Instructions for Applicants

Applicants should carefully note the following instructions before submitting their applications:

J&K Bank has also clarified that it reserves the right to reject any application without assigning any reason.

Official Notification Details

The notification was issued by the S&C and Audit Department, J&K Bank Corporate Headquarters, Srinagar.

Candidates are advised to consult the official bank website and prescribed application format for the complete application requirements.

Conclusion

The J&K Bank Credit Auditor Recruitment 2026 provides an opportunity for eligible retired officers of J&K Bank and other PSU banks to undertake Credit Audit assignments for a one-year period. Applicants must meet the retirement, service-record, officer-scale, banking-experience, age, medical-fitness and technical-knowledge requirements specified by the bank.

Interested candidates should complete the online application by October 22, 2026, and ensure that their downloaded application form and duly filled annexures reach the Deputy General Manager, S&C and Audit Division, Srinagar, by October 23, 2026.

 

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