J&K Bank Various Recruitment 2026, Apply Online

RECRUITMENT OF BANKING ASSOCIATES- UT OF LADAKH.

Recruitment of Banking Associates – Union Territory of Ladakh, 2026

Notification details

 

1. INTRODUCTION AND IMPORTANT INSTRUCTIONS

Jammu & Kashmir Bank Ltd. has invited online applications from eligible domiciles of the Union Territory of Ladakh for recruitment to the post of Banking Associate.

Candidates interested in joining the bank must submit their applications through the official website. The recruitment examination will be conducted online by the Institute of Banking Personnel Selection (IBPS).

Before submitting an application, candidates must carefully read the entire notification and ensure that they satisfy all eligibility conditions relating to domicile, age, educational qualifications and reservation.

Important conditions :

Eligibility verification :

Every candidate is responsible for checking whether they satisfy the eligibility requirements before applying. Merely submitting an application does not establish eligibility.

Successful payment is compulsory

The registration process will be treated as complete only after the prescribed application fee has been successfully deposited online.

Regularly check the official website

Candidates must regularly visit the Careers section of the bank’s official website for updates regarding examination dates, call letters, results and other recruitment-related information.

The bank will not necessarily issue separate communications regarding every change or update.

Ladakh domicile requirement

Only candidates possessing domicile of the Union Territory of Ladakh are eligible to apply.

Mandatory five-year posting condition

Selected candidates must remain posted in the Branches or Offices of the Ladakh Zone for a minimum period of five years.

No transfer outside the initially allotted zone will be permitted before completion of this five-year period, irrespective of the reason.

This is an important service condition that candidates should consider before applying.

 

Character and antecedent declaration

Candidates must submit a self-declaration regarding their character and antecedents in the prescribed format.

The appointing authority may reject or cancel a candidate’s candidature or appointment if:

 

Special relaxation for J&K Bank apprentices

Candidates who have successfully completed apprenticeship training with J&K Bank and possess Ladakh domicile will receive two additional benefits:

For an examination carrying 100 maximum marks, 2.5% would amount to 2.5 additional marks.

These benefits are subject to the stated apprenticeship-completion and domicile conditions.

 

VACANCIES : 21 vacancies

The notification announces a total of 21 vacancies for the post of Banking Associate in the Union Territory of Ladakh.

The recruitment will follow the applicable reservation rules of the UT of Ladakh.

The vacancies are subject to the reservation provisions and applicable roster requirements. The notification does not provide a separate category-wise numerical vacancy breakdown in the vacancy heading.

 

Reservation provisions

Appointments will be made according to the Union Territory of Ladakh Reservation Rules, 2005, as amended from time to time.

The notification refers specifically to S.O. 77 dated 27 June 2025, issued by the Social and Tribal Welfare Department, Administration of UT of Ladakh.

The reservation percentages mentioned are as follows:

Category	Reservation	Age relaxation
Scheduled Castes (SC)	1%	5 years
Scheduled Tribes (ST)	80%	5 years
Socially and Educationally Backward Classes – ALC residents	4%	5 years
Economically Weaker Sections (EWS)	10%	Nil
Ex-servicemen	6% horizontal	As per rules
Persons with Benchmark Disabilities	4% horizontal	10 years

Explanation of categories

a. Scheduled Castes (SC)

Candidates belonging to the Scheduled Caste category will receive 1% reservation and five years of upper-age relaxation, subject to possession of a valid category certificate.

b. Scheduled Tribes (ST)

Scheduled Tribe candidates will receive 80% reservation and five years of age relaxation.

c. Socially and Educationally Backward Classes (SEBC)

The notification specifically includes residents of areas adjoining the Actual Line of Control (ALC) in the Union Territory of Ladakh.

Such candidates will receive 4% reservation and five years of age relaxation.

d. Economically Weaker Sections (EWS)

EWS candidates will receive 10% reservation.

However, no upper-age relaxation is provided to this category under the notification.

The EWS certificate must be valid for the financial year 2026–2027.

e. Ex-servicemen

Ex-servicemen receive 6% horizontal reservation, subject to the applicable rules.

For calculating age eligibility, the period of actual military service may be deducted from the candidate’s actual age.

If the resulting age does not exceed the prescribed maximum age limit for the post by more than three years, the candidate will be considered to have satisfied the age requirement.

The maximum permissible age after allowing relaxation is 48 years.

The notification also specifies that the 6% horizontal reservation applies to Group C posts where the maximum applicable pay level does not exceed Level 5 of the Pay Matrix.

f. Persons with Benchmark Disabilities (PwBD)

Persons with benchmark disabilities receive 4% horizontal reservation and ten years of age relaxation.

The reservation is distributed across specified disability categories, as explained below.

 

Disability-wise reservation

Disability category	Reservation
Blindness or low vision	1%
Deaf and hard of hearing	1%
Locomotor disability	1%
Autism, intellectual disability, specific learning disability and mental illness, including specified multiple disabilities	1%

The reservation will apply according to Section 34 of the Rights of Persons with Disabilities Act, 2016, and the applicable identification of posts.

2.3 Reservation for outstanding sportspersons

According to the UT of Ladakh Outstanding Sportspersons (Horizontal Reservation in Direct Recruitment to Group C Posts) Rules, 2026, horizontal reservation of 4% of vacancies will be provided to outstanding sportspersons.

Candidates claiming this benefit must upload a certificate issued by the competent authority in the prescribed format at the time of online registration.

2.4 Cumulative age relaxation

The notification provides that upper-age relaxation for SC, ST and SEBC candidates may be combined with one of the other permitted age-relaxation categories applicable to persons with benchmark disabilities.

Candidates should ensure that they meet the applicable conditions for each relaxation claimed.

2.5 General category treatment on merit

A candidate belonging to a reserved category may also qualify under the General Category if their examination score is sufficiently high.

In that situation:

2.6 Tie-breaking rule

If two or more candidates obtain the same score, the older candidate will be placed higher in the merit list.

Therefore, date of birth will be used to resolve a tie.

2.7 Unfilled EWS vacancies

If suitable EWS candidates are not available, unfilled EWS vacancies will be treated as unreserved and filled according to the applicable provisions of S.O. 77 dated 27 June 2025.

2.8 Important certificate requirement

Candidates must possess a valid category certificate on the date of online registration itself.

Obtaining or producing the certificate only at a later stage may not satisfy this requirement.

 

IMPORTANT RECRUITMENT DATES

Recruitment activity	Date
Start of online application	07 November 2026
Last date of application	26 November 2026
Start of fee payment	07 November 2026
Last date of fee payment	26 November 2026
Download of examination call letters	To be notified
Online examination	To be notified
Result and provisional selection	To be notified

Candidates should complete their applications and fee payments within the prescribed dates.

The bank advises candidates to regularly check its official Careers section for further announcements.

 

ELIGIBILITY CRITERIA

The eligibility criteria are the basic conditions that a candidate must satisfy to apply for the Banking Associate post.

There are three major requirements:

 

Domicile of Ladakh

Only candidates possessing domicile of the Union Territory of Ladakh are eligible.

Selected candidates will have to produce a domicile certificate issued by the competent authority.

A candidate who does not satisfy the domicile requirement cannot claim eligibility merely because they reside in Ladakh or have studied there.

 

Age limit

20–30 years

The age will be calculated as on 1 January 2026.

The candidate must have been born:

Both dates are inclusive.

Age relaxation

Age relaxation will be provided to eligible reserved-category candidates according to the applicable reservation rules.

J&K Bank apprentices who successfully completed apprenticeship training will receive an additional one-year relaxation over and above their applicable category relaxation.

Example:

If a candidate is entitled to five years of category-based age relaxation and also qualifies for the special apprentice relaxation, the additional one-year relaxation will be considered separately.

 

Educational qualification

Candidates must possess a graduation degree in any discipline from:

The graduation qualification must be completed by the last date of registration.

Candidates must possess a valid marksheet or degree certificate establishing their graduation status.

They must also enter their graduation percentage correctly in the online application form.

Important: The notification does not prescribe a particular graduation stream. Therefore, graduates from different academic disciplines may apply, provided their qualification satisfies the recognition requirements.

 

Document verification and category details

Candidates must produce original documents and photocopies supporting their eligibility.

These documents may include:

Once the online application has been registered, a change of category will not be permitted.

Therefore, candidates must select their category carefully.

Merely appearing in the examination or being shortlisted does not guarantee employment.

 

Calculation of graduation percentage

The percentage must be calculated to two decimal places in the online application.

If the university awards CGPA or OGPA instead of percentage marks, the candidate must convert it into percentage according to the university’s prescribed conversion formula.

A certificate issued by the appropriate authority confirming the conversion norms and the candidate’s equivalent percentage must be produced.

Formula prescribed in the notification:

\[ \text{Percentage} = \frac{\text{Total marks obtained in all subjects}} {\text{Aggregate maximum marks in all subjects}} \times 100 \]

The calculation includes all subjects across all semesters or years, including honours, optional and additional optional subjects, where applicable.

This rule also applies to universities where the final class or grade is determined using honours marks.

Important examples:

The fraction of the percentage arrived at will be ignored.

5. C. RESERVATION FOR PERSONS WITH BENCHMARK DISABILITIES

This section explains the disability categories eligible for reservation under Section 34 of the Rights of Persons with Disabilities Act, 2016.

The Banking Associate post has been identified as suitable for specified disability categories, subject to the applicable rules and requirements.

The notification divides eligible disabilities into the following categories.

5.1 Visual Impairment (VI Category)

Visual impairment includes blindness and low vision.

Only candidates meeting the specified visual-impairment conditions after the best possible correction are eligible under the relevant category.

A. Blindness

A person may qualify under blindness if any one of the following conditions is satisfied:

B. Low Vision

A person may qualify under low vision if any one of the following conditions is satisfied:

The disability must be assessed according to the applicable medical standards.

5.2 Hearing Impairment (HI Category)

Hearing impairment is divided into two categories.

A. Deaf

A person having hearing loss of 70 decibels (dB) in speech frequencies in both ears.

B. Hard of Hearing

A person having hearing loss of 60 dB to 70 dB in speech frequencies in both ears.

The prescribed hearing-loss criteria must be supported by appropriate medical certification.

5.3 Orthopaedically Challenged / Locomotor Disability (OC/LD Category)

Locomotor disability refers to a person’s inability to perform certain activities associated with the movement of their own body or objects because of problems affecting the musculoskeletal system, nervous system or both.

The notification includes the following conditions:

A. Leprosy-cured person

This includes a person who has been cured of leprosy but continues to experience one or more of the following:

B. Cerebral palsy

Cerebral palsy refers to a group of non-progressive neurological conditions that affect body movements and muscular coordination.

It generally results from damage to specific areas of the brain occurring before, during or shortly after birth.

C. Dwarfism

Dwarfism is a medical or genetic condition resulting in an adult height of 4 feet 10 inches (147 centimetres) or less.

D. Muscular dystrophy

Muscular dystrophy refers to a group of hereditary genetic muscle disorders.

These conditions weaken the muscles responsible for body movement. They may result from genetic defects affecting the production of proteins required for healthy muscles.

The condition is generally characterised by progressive skeletal muscle weakness and damage to muscle cells and tissues.

E. Acid attack victims

This category includes individuals who have suffered external or internal disfigurement due to an assault, self-infliction or accident involving acid or another corrosive substance.

5.4 Intellectual Disability (ID Category)

The notification recognises the following conditions under intellectual disability-related eligibility.

A. Autism Spectrum Disorder (ASD)

Autism Spectrum Disorder is a neurodevelopmental condition that generally appears during the first three years of life.

It may significantly affect:

It may also be associated with unusual or repetitive behaviours and routines.

B. Specific Learning Disability (SLD)

Specific Learning Disability refers to conditions involving difficulty in processing spoken or written language.

It may affect:

The notification specifically includes:

C. Mental Illness (MI)

The notification defines mental illness as a substantial disorder of thinking, mood, perception, orientation or memory that significantly affects a person’s:

The definition in the notification excludes the separately described condition of arrested or incomplete mental development.

5.5 Multiple Disabilities

Multiple disabilities refer to a combination of disabilities falling under the above categories of:

This also includes deaf-blindness in posts identified for the relevant disabilities.

5.6 Meaning of Benchmark Disability

The notification clarifies that only persons with benchmark disabilities can claim the reservation benefit.

A benchmark disability generally means a specified disability of not less than 40%, as certified by the competent authority, in accordance with the applicable legal requirements.

Candidates claiming reservation must submit a disability certificate issued by the competent authority under the Government of India or UT of Ladakh guidelines, as applicable.

The certificate may be verified or re-verified at any stage of recruitment or afterwards.

5.7 Verification of UDID and disability certificates

The bank may authenticate the following:

Verification may be carried out through the UDID portal or the relevant issuing authority.

The bank may also arrange a fresh medical assessment through a medical board.

Fraudulent disability certificates or UDID cards may attract strict action under Sections 89 and 91 of the RPwD Act, 2016.

5.8 Guidelines for candidates using a scribe

A scribe is a person who assists an eligible candidate in reading or recording answers during the examination.

The notification permits scribe assistance according to the applicable Government of India guidelines.

The following conditions apply.

1. Arrangement of scribe

The candidate must arrange their own scribe at their own expense.

2. Medical certificate

Candidates covered under the relevant 10 August 2022 guidelines must produce a certificate from a competent medical authority of a Government healthcare institution confirming:

The certificate must be uploaded with the application and produced at the examination.

3. Qualification of scribe

The educational qualification of the scribe must be one level below the qualification of the candidate taking the examination.

The scribe may belong to any academic stream.

4. Undertaking

Both the candidate and the scribe must provide an undertaking confirming that all eligibility conditions for using a scribe are fulfilled.

If false information or suppression of material facts is discovered, the candidate’s candidature may be cancelled regardless of the examination result.

5. Compensatory time

Candidates eligible for scribe assistance will receive compensatory time of 20 minutes for every hour of examination, or such other time as may be prescribed.

For this recruitment examination, the standard examination duration is one hour, so the applicable additional time is subject to the prescribed rules and system arrangements.

6. Registration is compulsory

Candidates who wish to use a scribe must clearly indicate this requirement in the online application form.

A subsequent request may not be accepted.

7. Scribe cannot be another candidate

The person acting as scribe must not be a candidate appearing in the same online examination.

If this condition is violated, both candidates may have their candidature cancelled.

8. One candidate per scribe

A scribe can assist only one candidate in the recruitment process.

9. Scribe must not have been disqualified in the relevant circumstances

Candidates should ensure that their selected scribe has not appeared as a scribe for a candidate debarred in recruitment examinations.

10. No independent answering by the scribe

The scribe must only perform the permitted assistance.

If the scribe independently answers questions or prompts the candidate directly or indirectly:

11. Aadhaar verification

Candidates and scribes are advised to possess valid Aadhaar cards.

The bank may conduct online Aadhaar verification at different stages of the selection process.

5.9 Guidelines for visually impaired candidates

Visually impaired candidates having at least 40% disability may choose to view examination content in magnified font.

They are also eligible for compensatory time of 20 minutes per hour or as otherwise advised.

However, the magnified-font facility will not be available to candidates who use a scribe.

5.10 Guidelines for locomotor disability and cerebral palsy

Candidates with locomotor disability or cerebral palsy may receive compensatory time if their dominant writing hand or extremity is affected to the extent that writing speed or performance is reduced.

The specified minimum impairment is 40%.

The compensatory time is 20 minutes per hour or as otherwise advised.

5.11 Guidelines for candidates with intellectual disabilities

Candidates with more than 40% intellectual disability, including the specified conditions of autism, intellectual disability, specific learning disability and mental illness, will receive 20 minutes of compensatory time per hour.

This benefit applies whether the candidate uses a scribe or not.

5.12 Persons with specified disabilities below 40% who have difficulty writing

Certain persons with specified disabilities below 40% may also be eligible for a scribe if they satisfy the applicable conditions.

Such candidates may receive at least 20 minutes of compensatory time per hour.

If the examination duration is less than one hour, the compensatory time will be calculated proportionately.

5.13 Additional disability-related conditions

The notification includes three further important provisions.

 

6. D. EX-SERVICEMEN (ESM)

Ex-servicemen will be governed by the applicable Government guidelines and reservation rules.

The notification provides 6% horizontal reservation, subject to the applicable conditions for Group C posts and the prescribed pay-level ceiling.

Age relaxation is determined by deducting the actual period of military service from the candidate’s actual age, subject to the prescribed maximum-age calculation.

Candidates claiming this benefit must provide the required service or discharge documentation.

7. E. ECONOMICALLY WEAKER SECTION (EWS)

Candidates applying under the EWS category must possess a valid Income and Asset Certificate.

The certificate must be valid for the financial year:

2026–2027.

The certificate must be issued by an authority recognised under the Government of India or UT of Ladakh rules.

The notification provides 10% EWS reservation but does not provide additional upper-age relaxation to EWS candidates.

Candidates must ensure that the certificate is valid at the relevant stage and is produced in the prescribed format.

8. F. EXAMINATION STRUCTURE

The recruitment examination will be conducted online.

The examination consists of three objective tests:

8.1 Detailed examination pattern

Subject	Questions	Maximum 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

Examination overview : 100

8.2 English Language

This section tests the candidate’s command of the English language.

Common preparation areas include grammar, vocabulary, comprehension and sentence structure. These are suggested preparation topics, not a separate official syllabus provided in the notification.

8.3 Quantitative Aptitude

This section tests numerical ability and mathematical problem-solving skills.

Arithmetic, calculations, numerical interpretation and mathematical reasoning are useful preparation areas.

8.4 Reasoning Ability

This section assesses logical thinking, analytical ability and problem-solving.

Candidates may prepare topics such as puzzles, seating arrangements, coding-decoding, inequalities and logical reasoning. These are preparation suggestions rather than an officially enumerated syllabus.

 

Separate sectional timing

Each section has an independent time limit of 20 minutes.

The total examination duration is 60 minutes.

Candidates should manage their time carefully because the time allotted to one section is separately controlled.

8.6 Qualifying requirements

Candidates must qualify in each of the three tests by obtaining the cut-off marks decided by IBPS in consultation with J&K Bank.

The notification also states that the bank may modify the examination structure and communicate any changes through its official website.

8.7 Process for calculating examination scores

The bank follows a prescribed method for calculating examination scores.

Step 1: Correct answers

The number of correctly answered questions is considered.

Step 2: Penalty for incorrect answers

Marks are deducted for wrong answers according to the negative-marking rule.

Step 3: Corrected score

After deducting penalties, the candidate’s corrected score is calculated.

Step 4: Equated score

If examinations are conducted in different sessions and the difficulty levels differ slightly, scores are equated to account for those differences.

This process aims to ensure fairness among candidates who may have received different examination forms.

Step 5: Final score reporting

Test-wise scores and the total score will be reported up to two decimal places.

8.8 Negative marking

1/4 negative marking

The notification prescribes a penalty of one-fourth of the marks assigned to a question for every incorrect answer.

For an unanswered question, no penalty will be imposed.

Examples:

Marks assigned to question	Penalty for wrong answer
1 mark	0.25 mark
2 marks	0.50 mark
3 marks	0.75 mark
4 marks	1 mark

For example, if a question carries one mark and the candidate answers it incorrectly, 0.25 marks will be deducted.

Therefore, random guessing may reduce the final score.

8.9 Cut-off marks

Candidates must obtain:

The cut-offs will be decided according to the number of vacancies and applicable recruitment requirements.

The notification specifies the following minimum aggregate qualifying percentages at each stage:

Category	Minimum aggregate qualifying marks
General Category	40%
Reserved Category	35%

These percentages are subject to overall merit.

For a 100-mark examination, the corresponding aggregate figures are 40 marks and 35 marks respectively.

However, merely obtaining these minimum percentages does not guarantee selection. Candidates must also satisfy the individual test cut-offs and other selection requirements.

8.10 Marks considered for provisional selection

The notification expressly states that only marks obtained in the online examination will be considered for shortlisting and provisional selection, according to the applicable reservation rules and other selection parameters.

8.11 Abnormal similarity of responses

The bank will analyse candidates’ answers to detect abnormal similarities.

This is intended to identify copying, sharing of answers or other examination irregularities.

If the analysis establishes suspicious similarities, the bank may take appropriate action.

8.12 Examination centres

Candidates must select six examination centres.

Out of these six, at least four must be situated outside the Union Territory of Ladakh.

The notification provides the following centres.

Within Ladakh

Outside Ladakh

Important examination-centre conditions

9. G. IDENTITY VERIFICATION

Identity verification is compulsory during the examination and at the time of joining.

Candidates must establish that the person appearing for the examination is the same person who submitted the online application.

9.1 Documents accepted as photo identity proof

Candidates must carry an original and photocopy of a currently valid photo identity document.

The name on the identity document must exactly match the name appearing on the examination call letter.

The following documents are accepted:

The identity of the candidate will be verified against:

If the identity of the candidate is doubtful, the candidate may not be permitted to take the examination.

9.2 Documents not accepted

The following documents will not be accepted as valid identity proof:

9.3 Candidates who have changed their names

Candidates who have changed their names must produce the original Gazette notification or original marriage certificate, as applicable.

Female candidates who have changed their first, middle or last name after marriage should pay particular attention to this requirement.

9.4 Exact name matching

The name appearing on the examination call letter must match the photo identity document.

Even a mismatch in spelling or name order may create difficulties during verification.

Candidates should therefore ensure that their names are entered correctly in the application.

9.5 Reporting time

Candidates who report after the reporting time mentioned in their call letter will not be allowed to take the examination.

The reporting time is earlier than the actual examination starting time.

Although the examination lasts 60 minutes, candidates may need to remain at the examination centre for approximately four hours.

This additional time is required for:

10. H. HOW TO APPLY

Applications must be submitted through the online application portal only.

The application period is:

7 November 2026 to 26 November 2026.

Applications through any other mode will not be accepted.

The application process has three main components:

10.1 Important preparations before registration

Candidates should prepare all required documents before beginning the application.

The following items must be scanned:

10.2 Photograph requirements

The photograph must be a recent passport-style colour photograph.

It should be taken against a light-coloured background, preferably white.

The candidate should:

Caps, hats and dark glasses are not acceptable.

Religious headwear is permitted, provided it does not cover the face.

10.3 Signature requirements

The candidate must sign on white paper using black ink.

The signature must be clear and consistent.

Signatures written in capital letters will not be accepted.

The same signature should be used throughout the recruitment process, including on the call letter and attendance sheet.

10.4 Left thumb impression

The candidate must place their left thumb impression on white paper using black or blue ink.

The impression must be clear and properly scanned.

It should not be blurred or smudged.

If the candidate does not have a left thumb, the right thumb may be used.

10.5 Handwritten declaration

The declaration must be written by the candidate personally, in English, using black ink on white paper.

The exact declaration prescribed by the notification 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.

The declaration must be in the candidate’s own handwriting.

If someone else writes the declaration or it is written in another language, the application will be treated as invalid.

Exception: Visually impaired candidates who cannot write may have the declaration typed and place their left thumb impression below it, following the prescribed specifications.

10.6 Personal email ID and mobile number

Candidates must possess a valid personal email address and mobile number.

These must remain active until the completion of the recruitment process.

The bank may send information regarding:

Candidates who do not have a personal email address should create one before registration.

10.7 Application registration procedure

Follow these steps:

Step 1: Visit the official website

Open:

https://jkb.bank.in/

Visit the Careers section and locate the Banking Associate recruitment notification.

Step 2: Click Apply Online

Select the Apply Online option provided with the relevant recruitment notification.

A new registration page will open.

Step 3: New registration

Click on:

Click here for New Registration

Enter the required information, including:

Step 4: Receive registration credentials

The system will generate:

These details will also be sent through email and SMS.

Candidates must save these credentials because they will be required to access the application later.

Step 5: Save and Next

If the application cannot be completed in one sitting, candidates may use the Save and Next option.

This allows previously entered information to be saved.

Candidates should carefully check all information before proceeding.

Step 6: Verify personal details

Check the spelling of:

These should match the relevant certificates, marksheets and identity documents.

Step 7: Upload photograph and signature

Upload the photograph and signature according to the prescribed technical specifications.

Step 8: Enter remaining information

Complete the remaining sections of the application form, including educational and category details.

Step 9: Preview the application

Use the Preview option to examine the complete application.

Check every detail before final submission.

Step 10: Complete registration

After verifying all details, click Complete Registration.

The notification specifically warns that changes may not be possible after this step.

Step 11: Pay the application fee

Open the Payment section and complete the online fee payment.

Step 12: Submit the application

Click Submit after completing the required payment process.

10.8 Application fee

The notification prescribes the following fees:

Category	Application fee
SC/ST/SEBC/PwBD/ESM	₹600
All other candidates	₹800

GST is additional. Bank transaction charges are also payable by the candidate.

10.9 Online payment methods

Candidates may pay through:

10.10 Important payment instructions

For candidates using non-Indian credit cards, the issuing bank may convert the payment into the relevant local currency.

10.11 Photograph upload specifications

Particular	Requirement
Photograph type	Recent passport-style colour photograph
Dimensions	4.5 cm × 3.5 cm
Preferred pixels	200 × 230
File size	20 KB–50 KB
Background	Light-coloured, preferably white

The image must not exceed 50 KB.

If the file is too large, candidates may adjust the scanner resolution, DPI or colour settings.

10.12 Live photograph capture

In addition to uploading a scanned photograph, candidates must capture and upload a live photograph.

There are two methods:

Method 1: Webcam

Select Capture Photo.

The webcam will activate, allowing the candidate to take a photograph that is automatically uploaded.

Method 2: Mobile phone

Select Click here to Scan.

A QR code will appear.

The candidate can scan it using a mobile phone and access the photograph-capture facility.

After taking the photograph and selecting it, the image will automatically be uploaded.

10.13 Do’s and Don’ts for live photograph capture

Do’s

Don’ts

10.14 Signature specifications

Particular	Requirement
Paper	White
Ink	Black
Preferred dimensions	140 × 60 pixels
File size	10 KB–20 KB
Format	JPG/JPEG

The signature must be clear and must belong to the applicant.

10.15 Left thumb impression specifications

Particular	Requirement
Paper	White
Ink	Black or blue
Format	JPG/JPEG
Preferred dimensions	240 × 240 pixels
Resolution	200 DPI
Physical dimensions	3 cm × 3 cm
File size	20 KB–50 KB

The impression must be properly visible and free from smudging.

10.16 Handwritten declaration specifications

Particular	Requirement
Paper	White
Ink	Black
Language	English
Format	JPG/JPEG
Preferred dimensions	800 × 400 pixels
Resolution	200 DPI
Physical dimensions	10 cm × 5 cm
File size	50 KB–100 KB

The declaration must be handwritten by the candidate, except for the stated accommodation for visually impaired candidates who cannot write.

10.17 Scanning instructions

The notification specifies the following scanning requirements:

Candidates using Microsoft Windows or Microsoft Office may use MS Paint or Picture Manager to convert and resize images.

10.18 Procedure for uploading documents

The online application will not be registered unless the required photograph, signature, thumb impression and handwritten declaration have been uploaded correctly.

10.19 Important precautions for document uploads

10.20 Documents to upload with the online application

The notification specifies the following documents:

Document-upload specifications

Candidates must check the clarity and correctness of every uploaded document.

11. I. SELECTION CRITERIA

The selection of candidates will be based on the aggregate score obtained in the online examination, subject to applicable reservation rules.

11.1 Basis of selection

The online examination score is the principal basis for preparation of the merit list.

Candidates will be considered according to:

11.2 Tie-breaking rule

If two or more candidates obtain the same aggregate score, the older candidate will be placed higher in the merit list.

Date of birth will determine seniority in such cases.

11.3 Provisional nature of selection

Shortlisting or provisional selection does not automatically create a right to employment.

The bank will verify the documents and eligibility conditions before appointment.

If a candidate is found ineligible or unable to produce valid documents, the bank may cancel the candidature.

11.4 Final authority of the bank

J&K Bank reserves the right to make the final decision regarding:

The bank’s decision will be final and binding under the notification.

11.5 Reserve list

The bank may prepare a reserve list of up to 50% of the vacancies under each category, depending on the availability of eligible candidates.

The reserve list will remain valid for:

One year from the date of publication of the selection list, or until the next recruitment notification is issued, whichever is earlier.

However, inclusion in the reserve list does not guarantee appointment.

A reserve-list candidate may be considered only if a relevant vacancy is made available during the validity period.

If no vacancy is reported during that period, the candidate will not be considered for selection.

The bank is not required to issue a separate notification announcing the expiry of the reserve list.

Candidates who are neither provisionally allotted nor included in the reserve list will not be considered further in this recruitment cycle.

12. J. DOCUMENTS TO BE PRODUCED AT THE TIME OF JOINING

Selected candidates must submit original documents and self-attested photocopies to establish their eligibility and identity.

Failure to produce the required documents may result in cancellation of candidature or refusal of joining.

12.1 Complete document list

1. Online application form

A valid system-generated printout of the submitted online application.

2. Date of birth proof

Any one of the prescribed documents, such as:

3. Photo identity proof

The identity document specified in the identity-verification section.

4. Graduation documents

Candidates must produce:

A proper document from the university or board must establish that the result was declared by the last date of registration.

5. Caste and reservation certificates

Candidates claiming reservation must submit the relevant category certificates issued by the competent authority.

SC/ST candidates must produce certificates in the prescribed Government of India or UT of Ladakh format.

 

EWS certificate

EWS candidates must produce the Income and Asset Certificate issued by an authorised authority in the prescribed format.

7. Disability certificate

Candidates applying under the PwBD category must produce the relevant disability certificate issued by the District Medical Board or other competent authority.

8. Scribe documents

Candidates who used a scribe during the examination must submit the prescribed completed scribe details.

9. Certificate for persons with specified disabilities below 40%

Candidates covered by the applicable provisions for persons with less than 40% disability and difficulty in writing must produce the medical certificate confirming:

The prescribed Appendix I format must be followed.

10. Ex-servicemen documents

Ex-servicemen must produce:

Candidates still serving in the defence forces must submit a certificate from the competent authority at registration confirming that they will be relieved from defence service.

Failure to submit this certificate may result in immediate disqualification.

11. No Objection Certificate (NOC)

Candidates employed in the following organisations must produce an original NOC from their employer:

Failure to produce the required NOC may result in the candidature not being considered.

12. Other relevant documents

The bank may ask for any additional documents necessary to verify eligibility.

12.2 Important joining condition

Candidates will not be permitted to join if they fail to produce the relevant original eligibility documents.

Therefore, candidates should prepare their documents well before the joining date.

13. K. GENERAL INFORMATION AND INSTRUCTIONS

This section contains general rules governing the recruitment process.

13.1 Responsibility for eligibility

Candidates must ensure that they are eligible before applying.

The bank may initially allow candidates to take the examination on the basis of information submitted in the application form.

Final eligibility will be determined through the prescribed scrutiny and verification process.

13.2 Apply before the last date

Candidates should submit their applications well before 26 November 2026.

Waiting until the last day may create difficulties because of:

The bank will not accept responsibility for applications that candidates fail to submit within the deadline because of such problems.

13.3 Original document verification

Candidates must produce original documents supporting their educational qualifications, date of birth and other eligibility requirements.

Failure to produce original documents may prevent joining.

13.4 Category certificate requirements

SC/ST candidates must submit category certificates issued by the competent authority in the prescribed format.

Other reserved-category candidates must submit the relevant certificates issued by their respective competent authorities.

13.5 Active email address

Candidates must keep their registered email accounts active throughout the recruitment process.

13.6 Medical fitness

Appointment will generally be subject to medical fitness certification from a qualified doctor.

The notification provides an exception for persons with disabilities as defined under the applicable UT of Ladakh reservation rules.

13.7 Legal jurisdiction

Legal proceedings arising from the recruitment advertisement or the applications submitted in response to it may be instituted only in the specified jurisdiction of Jammu and Kashmir.

The notification states that courts, tribunals and forums at J&K will have sole and exclusive jurisdiction over such disputes.

13.8 Aadhaar information

Providing an Aadhaar number or Aadhaar enrolment number in the application form is optional.

This is separate from the notification’s provisions advising candidates and scribes to possess Aadhaar for verification purposes.

13.9 Provisional admission

Admission to the examination and subsequent recruitment stages is strictly provisional.

Issuance of a call letter or provisional selection does not mean that the bank has finally approved the candidate’s eligibility.

The bank may reject an application at any stage if:

If such deficiencies are discovered even after appointment, the bank may terminate the candidate’s services.

13.10 Final decision on eligibility

The bank will make the final decision regarding:

The notification states that the bank will not entertain correspondence or personal enquiries concerning matters for which it has reserved final decision-making authority.

13.11 Only one application permitted

A candidate should submit only one application.

If multiple applications are submitted:

13.12 Multiple examination appearances

Multiple attendance or appearances in the online examination will result in rejection or cancellation of candidature.

13.13 No withdrawal or refund

Once an online application has been registered, it cannot be withdrawn.

Application fees and intimation charges are non-refundable.

They cannot be transferred or adjusted against another examination.

13.14 Canvassing prohibited

Candidates must not attempt to influence the recruitment process through personal contacts, recommendations or other improper means.

Any attempt to obtain an undue advantage may result in disqualification.

13.15 No changes in application details

Requests for changes in the address or other details entered in the application form will not be entertained.

Candidates should therefore check the entire form before final submission.

13.16 Consistency of signature

The candidate’s signature must remain identical across:

Any significant variation may create doubts regarding identity.

13.17 Photograph consistency

Candidates must retain copies of the same photograph uploaded during registration.

They should not change their appearance throughout the recruitment process.

Failure to produce a matching photograph or doubts about identity may result in disqualification.

13.18 Examination disruptions

Technical or administrative problems may affect examination delivery or result generation.

If such problems occur, the bank may:

The decision to conduct a re-examination rests with J&K Bank.

Candidates cannot claim an automatic right to a re-test.

Candidates who refuse to move to another centre or participate in a delayed examination process may be rejected.

13.19 Unauthorised intermediaries

The bank will not accept responsibility for applications submitted or incorrect information provided by unauthorised persons or institutions.

Candidates should not share their registration or application credentials with others.

13.20 Service and conduct rules

Appointment will be subject to:

13.21 Bank’s right to change the recruitment process

J&K Bank reserves the right to cancel, modify or add recruitment criteria and change the selection method, as required.

13.22 Communication through email and SMS

Recruitment-related communication will be sent through the email address and mobile number registered in the application.

The bank will not be responsible if candidates fail to receive communication because of:

Candidates should regularly check their registered email accounts and the official bank website.

13.23 Verification of handwritten declaration

If expert analysis establishes that the handwriting in the uploaded declaration is different from the candidate’s handwriting, candidature may be cancelled.

13.24 Confidentiality of examination papers

The examination questions and test papers will not be disclosed to third parties.

The notification also states that test papers will not be shared with others after the examination.

14. L. ITEMS NOT ALLOWED INSIDE THE EXAMINATION CENTRE

Candidates are prohibited from carrying certain items into the examination hall.

These restrictions are intended to prevent cheating, communication with outside persons and other unfair examination practices.

14.1 Stationery and study materials

The following items are prohibited:

14.2 Communication devices

The following communication devices are not allowed:

14.3 Personal accessories

The notification also prohibits:

14.4 Jewellery and ornaments

The following ornaments must be thoroughly checked:

14.5 Other prohibited articles

Candidates cannot bring:

14.6 Consequences of carrying prohibited items

Any violation may result in:

Candidates are advised not to bring prohibited items to the examination centre.

The bank and the examination-conducting agency will not take responsibility for the safekeeping or loss of candidates’ belongings.

Therefore, candidates should arrange their personal belongings before reaching the examination venue.

15. M. ACTION AGAINST CANDIDATES FOUND GUILTY OF MISCONDUCT OR USING UNFAIR MEANS

The bank expects all candidates to maintain honesty and discipline throughout the recruitment process.

Candidates must not provide false, fabricated, altered or misleading information in their applications.

They must also avoid any conduct that compromises the fairness or confidentiality of the examination.

15.1 Activities considered misconduct

The notification identifies the following activities as prohibited:

1. Using unfair means

Using any unauthorised method to obtain an advantage in the examination.

2. Impersonation

Appearing for the examination using another person’s identity or arranging for someone else to appear on one’s behalf.

3. Misbehaviour in the examination hall

Engaging in disruptive or improper conduct during the examination.

4. Disclosure of examination contents

Disclosing, publishing, reproducing, transmitting or storing examination questions or their contents without permission.

This prohibition applies to verbal, written, electronic and mechanical methods.

5. Obtaining support through unfair means

Receiving unauthorised help or assistance to improve one’s chances of selection.

6. Carrying prohibited communication devices

Carrying mobile phones or similar electronic communication devices into the examination hall.

15.2 Detection of copying through answer analysis

J&K Bank will analyse the responses of individual candidates and compare them with responses submitted by other candidates.

The analysis will examine similarities in:

If the bank or its examination agency concludes that answers were shared and the scores are not genuine, it may cancel the candidature.

The result of such candidates may be withheld.

No representation concerning such a decision will be entertained under the notification.

15.3 Importance of honest examination conduct

Candidates must independently attempt the examination and follow all instructions issued by the examination authority.

Any attempt to compromise the examination process may have serious consequences, including disqualification from future recruitment examinations.

16. N. CALL LETTERS

The examination call letter is the official document that permits an eligible candidate to appear for the online examination.

16.1 Information contained in the call letter

The call letter will communicate:

16.2 How to download the call letter

Candidates must visit the official website of J&K Bank.

The bank will provide a relevant link for downloading the examination call letter.

An intimation may also be sent through email or SMS.

After clicking the relevant link, candidates will be required to enter:

After successful authentication, the call letter can be accessed and downloaded.

16.3 Photograph on call letter

Candidates must affix a recent, recognisable photograph to the call letter.

Preferably, this should be the same photograph uploaded during online registration.

16.4 Documents to carry with the call letter

Candidates must carry:

The identity document must match the name appearing on the call letter.

16.5 No hard copy through post

The bank will not send hard copies of the call letter or information handout through postal or courier services.

Candidates must download these documents themselves.

16.6 Responsibility for checking communication

The bank will not be responsible for delayed or undelivered emails or SMS messages caused by:

Candidates should regularly check their registered email accounts and the official website.

17. O. EMOLUMENTS – SALARY AND PAY SCALE

The notification specifies the following starting basic pay for Banking Associates.

Starting basic pay

₹24,050

Per month, excluding applicable additional benefits and allowances.

 

Pay scale

₹24,050 – ₹1,340/3 – ₹28,070 – ₹1,650/3 – ₹33,020 – ₹2,000/4 – ₹41,020 – ₹2,340/7 – ₹57,400 – ₹4,400/1 – ₹61,800 – ₹2,680 – ₹64,480

The pay scale indicates the progression of basic pay through prescribed annual increments.

The numbers following the increment amounts indicate the number of stages for which the relevant increment applies.

The notification also mentions other perks applicable to the Banking Associate cadre.

Important distinction: ₹24,050 is the starting basic pay, not necessarily the final in-hand salary.

Actual monthly earnings may differ depending on applicable allowances, deductions and other service-related benefits.

18. P. JOINING

This section explains the joining timeline, probation period and service bond requirements.

18.1 Joining period

The joining time for selected candidates will be capped at 45 days.

Candidates should complete all joining formalities within the prescribed period.

18.2 Probation period

Newly appointed Banking Associates will initially remain on probation for:

6 months

During this period, the bank will assess:

The designated appraising authority will review the employee’s performance and submit a report to the Human Resources Vertical at Corporate Headquarters.

18.3 Extension of probation

The competent authority may extend probation by a maximum of three months.

Such extension may be granted if the authority believes that the employee has not satisfactorily completed the initial probation period.

During the extended period, the employee’s performance and conduct will continue to be monitored.

If there is no satisfactory improvement, the employee may be terminated from the bank’s services.

18.4 Service bond

At the time of joining, selected candidates must execute a service bond of:

₹1,00,000

The bond requires the candidate to serve the bank for a minimum period of six months.

If the candidate resigns before completing six months from the date of joining, the bank may invoke the bond.

This means that candidates should carefully consider the minimum service commitment before accepting the appointment.

19. Q. ANNOUNCEMENTS

All future announcements and recruitment-related information will be published through the authorised J&K Bank website.

Official website:

https://jkb.bank.in/

Candidates should visit the Careers section regularly.

The bank has clarified that it will not issue a separate advertisement for every subsequent announcement or update relating to this recruitment process.

Therefore, candidates must independently monitor the official website.

20. R. DISCLAIMER

The disclaimer explains the bank’s authority to reject applications and cancel appointments if candidates do not satisfy the recruitment conditions.

20.1 Cancellation for ineligibility

If a candidate is found ineligible at any stage, their candidature will be cancelled.

20.2 Cancellation for incorrect information

If a candidate submits false, incorrect or misleading information, the bank may reject their application.

The same applies when a candidate deliberately conceals important information.

20.3 Termination after appointment

If false information or an eligibility deficiency is discovered after appointment, the bank may terminate the employee’s services.

20.4 Final authority of the bank

The bank’s decisions regarding the following matters will be final and binding:

The bank will not entertain representations or correspondence on matters covered by this disclaimer.

21. NOTIFICATION AUTHENTICATION

The notification concludes with the following details:

The notification is signed by the General Manager – HR.

 

22. APPENDICES AND PRESCRIBED DISABILITY CERTIFICATE FORMATS

The last seven pages of the PDF contain disability-related certificate formats and supporting declarations.

These are important for candidates claiming disability reservation or scribe assistance.

They are not separate examination subjects; they are administrative documents that eligible candidates may need to submit.

22.1 FORM I – CERTIFICATE OF DISABILITY

Original notification: Page 23

Form I is intended for specified cases involving:

It is a prescribed medical certificate format issued by the competent medical authority.

Information included in Form I

A. Medical authority details

The form requires:

B. Candidate information

The medical authority must enter:

A recent passport-size photograph showing the candidate’s face must be attached.

C. Disability category

The medical authority must identify the applicable disability from the following:

D. Medical diagnosis

The authority must record the diagnosis and the percentage of permanent disability in figures and words.

E. Supporting documents

The form includes a table for recording documents submitted as proof of residence.

It requires:

F. Authentication

The certificate must be authenticated through the signature and seal of the authorised signatory of the notified medical authority.

The candidate’s signature or thumb impression must also be included in the designated area.

22.2 FORM II – CERTIFICATE OF DISABILITY IN CASE OF MULTIPLE DISABILITIES

Original notification: Pages 24–25

Form II is designed for candidates who have multiple disabilities.

It provides a detailed medical assessment of different disabilities and their combined impact.

Information required

A. Candidate details

The form records:

A recent passport-size photograph must be attached.

B. Assessment of disabilities

The form contains a table for recording different disabilities.

The listed conditions include:

The table requires the medical authority to identify:

C. Overall disability percentage

The medical authority must calculate the overall permanent disability percentage.

It must be recorded:

D. Nature of disability

The certificate requires the medical authority to specify whether the disability is:

E. Reassessment

The medical authority must indicate whether reassessment is necessary.

If reassessment is recommended, the form must specify the period after which reassessment should take place and the certificate’s validity period.

F. Supporting documents

The applicant must submit the required residence documents.

Their details must be entered into the relevant table.

G. Medical authority authentication

The form requires the signatures and seals of the medical board members.

The designated spaces include:

The candidate’s signature or thumb impression is also required.

22.3 FORM III – CERTIFICATE OF DISABILITY FOR OTHER SPECIFIED CASES

Original notification: Pages 26–27

Form III is intended for disability cases other than those specifically covered by Form I and Form II.

It is used for the medical certification of other specified disabilities.

Information included in Form III

A. Medical authority details

The certificate must identify the issuing medical authority and include its address.

B. Candidate details

The form requires:

A recent attested photograph showing the candidate’s face must be attached.

C. Disability assessment

The form includes a table of specified disability conditions.

These include:

The medical authority must identify the relevant condition and record:

Conditions that do not apply must be struck out.

D. Nature and progression of disability

The authority must indicate whether the condition is progressive, non-progressive, likely to improve or not likely to improve.

E. Reassessment requirements

The medical authority must indicate whether reassessment is necessary.

If reassessment is required, the certificate must specify the appropriate time period and validity.

F. Supporting documents

Details of the applicant’s residence proof must be recorded.

G. Authentication and countersignature

The certificate must be signed by the authorised signatory of the notified medical authority.

The form also provides for countersignature and seal of the Chief Medical Officer, Medical Superintendent or Head of Government Hospital in cases where the issuing medical authority is not a government servant.

The candidate’s signature or thumb impression must be included.

22.4 APPENDIX I – CERTIFICATE FOR PERSONS WITH SPECIFIED DISABILITIES HAVING DIFFICULTY IN WRITING

Original notification: Page 28

Appendix I is particularly important for candidates who have specified disabilities below 40% but experience difficulty in writing.

Such candidates may be eligible for a scribe under the applicable provisions of the RPwD Act, 2016.

Purpose of Appendix I

The certificate establishes that a candidate’s disability affects their ability to write and that assistance from a scribe is necessary for taking the examination.

Information required

The medical authority must record:

Medical declaration

The medical authority must certify that the candidate has a limitation affecting their writing capability because of the specified disability.

The certificate must confirm that the candidate requires the assistance of a scribe for the examination.

Assistive devices

The form also asks whether the candidate uses any aids or assistive devices, such as:

The relevant devices must be specified.

Validity of certificate

The certificate is issued for appearing in written examinations conducted by recruitment agencies and academic institutions.

Its validity may be up to six months or less, depending on the medical authority’s assessment.

Medical authority signatures

The prescribed medical authority table includes the following specialists, where available:

The form also requires the signature of the Chief Medical Officer, Civil Surgeon or Chief District Medical Officer acting as Chairperson.

The Government Hospital or Healthcare Centre’s name, seal, place and date must be provided.

 

APPENDIX II – LETTER OF UNDERTAKING BY THE PERSON WITH SPECIFIED DISABILITY USING A SCRIBE

Original notification: Page 29

Appendix II is a declaration by the candidate who intends to use a scribe during the examination.

It applies to persons with specified disabilities covered under Section 2(s) of the RPwD Act, 2016, but not covered under Section 2(r), including the relevant cases of disability below 40% with difficulty in writing.

Information to be filled in

The candidate must provide:

Declaration regarding scribe

The candidate must declare the name of the person who will act as their scribe.

The candidate must confirm that the named person will provide scribe services for the examination.

Declaration regarding educational qualification

The candidate must state the educational qualification of the scribe.

The candidate undertakes that if the scribe’s actual qualification is found to be higher than the declared qualification, they will forfeit their claim to the relevant post or certificate, diploma or degree and related claims.

Signature and completion

The undertaking requires:

The prescribed format is subject to amendments under Government of India guidelines.

 

IMPORTANT POINTS FOR CANDIDATES – QUICK REFERENCE

The following table brings together the most important conditions of the entire notification.

Particular	Details
Organisation	Jammu & Kashmir Bank
Post	Banking Associate
Recruitment area	UT of Ladakh
Total vacancies	21
Minimum age	20 years
Maximum age	30 years
Age calculation date	01-01-2026
Educational qualification	Graduation in any discipline
Domicile	Ladakh mandatory
Application dates	07-11-2026 to 26-11-2026
SC/ST/SEBC/PwBD/ESM fee	₹600 + GST
Other candidates’ fee	₹800 + GST
Examination authority	IBPS
Examination mode	Online
Total questions	100
Total marks	100
Examination duration	60 minutes
English Language	30 questions, 30 marks
Quantitative Aptitude	35 questions, 30 marks
Reasoning Ability	35 questions, 40 marks
Negative marking	1/4 of marks assigned to a question
General qualifying percentage	40% aggregate
Reserved-category qualifying percentage	35% aggregate
Starting basic pay	₹24,050
Probation	6 months
Maximum probation extension	3 months
Joining period	Maximum 45 days
Service bond	₹1 lakh
Minimum service under bond	6 months
Mandatory Ladakh posting	Minimum 5 years

MOST IMPORTANT CONDITIONS TO REMEMBER

These are particularly important because overlooking them may result in rejection or cancellation of candidature.

 

FINAL EXPLANATION OF THE RECRUITMENT PROCESS

The entire recruitment process can be understood through the following sequence:

 

 

RECRUITMENT OF PROBATIONARY OFFICERS- UT OF LADAKH.

ONLINE REGISTRATION OF APPLICATION & PAYMENT OF FEE: FROM 07-11-2026 TO 26-11-2026.

Jammu & Kashmir Bank Ltd. invites applications from the domiciles of UT of Ladakh for appointment to the Posts of Probationary Officer.

• Eligible candidates are requested to apply Online through given link on Bank’s website
https://jkb.bank.in/ under “careers” tab.

• Online examination/s shall be conducted by IBPS.

 

Eligible candidates who aspire to join J&K Bank as Probationary Officer are required to register online for the Recruitment Process. The selection process will be held in three phases i.e. Preliminary examination, Mains examination & Interview. The candidates shortlisted (10 times the number of Vacancies under each category) based on their performance in the Preliminary examination will have to appear for Mains examination.

The candidates shortlisted (3 times the number of Vacancies under each category) based on their performance in the mains examination will be subsequently called for Interview.

Eligible candidates shall apply carefully after reading the advertisement notice regarding the process of examinations and interview, eligibility criteria, online registration process, payment of prescribed application fee, pattern of examinations, issuance of call letters etc. and ensure that they fulfil the stipulated criteria and follow the prescribed processes.

Vacancies : 20.
Reservation rules, applicable

 

The tentative schedule of events is as follows:

Submission of On-line Application 07-11-2026 TO 26-11-2026
Payment of Application Fee (Online) 07-11-2026 TO 26-11-2026
Download of call letters for Online Examination (Preliminary) Shall be notified separately
Online Examination (Preliminary) Shall be notified separately
Declaration of Result of Online Examination (Preliminary) Shall be notified separately
Download of call letters for Online Examination (Mains) Shall be notified separately
Online Examination (Mains) Shall be notified separately
Declaration of Result of Online Examination (Mains) Shall be notified separately
Download of call letters for interview Shall be notified separately
Conduct of interview Shall be notified separately
Provisional Selection Shall be notified separately

 

ELIGIBILITY CRITERIA :

Candidates, intending to apply for the post of Probationary Officers should ensure that they fulfil the eligibility criteria specified by J&K Bank in this advertisement:
Domicile of Ladakh -UT.
Selected candidates will have to submit the domicile certificate of the UT of Ladakh issued by competent authority.

 

Age (As on 01-01-2026)

Minimum: 20 years Maximum: 30 years. i.e. A candidate must have been born not earlier than 01.01.1996 and not later than 01.01.2006 (both dates inclusive). Relaxation in upper age shall be applicable to the reserved category candidates as per the applicable reservation rules.

In accordance with the General Administration Department Order No.: 280-LA(GAD) of 2025 Dated: 30.06.2025, as a one-time special dispensation, an additional relaxation of 05 (five) years in the age limit for the recruitment to be conducted during the recruitment years of 2025 and 2026 is granted. This relaxation shall be available to all candidates, including those belonging to the Unreserved (UR) and reserved categories. The total relaxation shall, however,

 

Educational Qualification :

• Graduate in any discipline from a university recognized by Government of India or possessing any other equivalent qualification recognized by the Central Government/UGC, as on the last date of registration as per this notification.

• The candidate must possess valid marks sheet/degree certificate that he/she is a graduate as on the last date of registration and indicate the percentage of marks obtained in Graduation while registering online.

INTERVIEW :

Candidates who have been shortlisted based on the performance in the Online Mains examination will subsequently be called for an Interview to be conducted by the Bank.

Interviews will be conducted at select centres. The centre, address of the venue, time & date of Interview will be informed to the shortlisted candidates in the call letter. Candidates are required to download their interview call letters from official website of bank https://jkb.bank.in/. Please note that any request regarding change in date, centre etc. of interview will not be entertained ordinarily. However, Bank reserves the right to change the date/ venue/ time/ centre etc. of interview or hold supplementary process for particular date / session / venue / centre / set of candidates at its discretion, under unforeseen circumstances, if any.

 

HOW TO APPLY :

DETAILED GUIDELINES/PROCEDURES FOR
a) APPLICATION REGISTRATION
b) PAYMENT OF FEES
c) DOCUMENT SCAN AND UPLOADCandidates can apply online only from 07.11.2026 to 26.11.2026 and no other mode of application will be accepted.

 

PAYMENT OF FEES :

Application Fees/ Intimation Charges [Online payment from 07.11.2026 to 26.11.2026, both dates inclusive] shall be as follows: –
Rs. 1000/- (excluding GST) for SC/ST/SEBC/PwBD candidates.
Rs. 1200/- (excluding GST) for all others.
Bank Transaction charges for Online Payment of application fees/ intimation charges will have to be borne by the candidate.

 

Detailed Notification for Recruitment of Probationary Officers for the UT of Ladakh : Click here

 

Important Links :

Apply Online : Click here

Detailed Notification for Recruitment of Banking Associates for the UT of Ladakh : Click here

Detailed Notification for Recruitment of Probationary Officers for the UT of Ladakh : Click here

Official Website : Click here

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