J&K Bank Banking Associate 2026: Eligibility, Exam Pattern, Pay
Government Job Desk Team
5 min read
J&K Bank has opened online registration for Banking Associates in the UT of J&K, with 1,033 vacancies in this notice. This guide explains who can apply, the age limit and relaxations, the single online exam, the starting pay, and the service conditions such as the bond and the five-year zone posting, all as printed in the official detailed notification.
J&K Bank Banking Associate 2026 at a glance
| Item | Details |
|---|---|
| Post | Banking Associate (UT of J&K) |
| Vacancies | 1,033 |
| Who can apply | Only domiciles of the UT of J&K |
| Qualification | Graduate in any discipline |
| Age (as on 01-01-2026) | 20 to 30 years |
| Online registration and fee | 07-11-2026 to 26-11-2026 |
| Application fee | Rs. 600 (SC/ST/SEBC/PwBD/ESM), Rs. 800 (all others), GST extra |
| Selection | One online exam of 100 marks, conducted by IBPS |
| Starting basic pay | Rs. 24,050 |
| Exam date | To be notified separately |
Who can apply
Domicile
The notification says only domiciles of the UT of J&K are eligible. Selected candidates must submit a domicile certificate of the UT of J&K issued by the competent authority.
Educational qualification
- A graduate degree in any discipline from a university recognised by the Government of India, or an equivalent qualification recognised by the Central Government or UGC.
- You must be a graduate on the last date of registration and hold a valid mark sheet or degree certificate.
- The percentage of marks in graduation has to be entered in the form, calculated to two decimals. If your university gives CGPA or OGPA, convert it into percentage and keep the university's conversion certificate ready.
The notice does not print a minimum percentage for graduation.
Age limit
The age is counted as on 01-01-2026. The minimum is 20 years and the maximum is 30 years, so a candidate must be born not earlier than 01.01.1996 and not later than 01.01.2006, both dates included. The maximum age applies to General and EWS candidates.
Age relaxation and reservation
Reservation follows the J&K Reservation Rules, 2005. The notification lists these percentages and upper age relaxations:
| Category | Reservation | Age relaxation |
|---|---|---|
| Scheduled Castes | 8% | 5 years |
| Scheduled Tribes (two groups of 10% each) | 20% | 5 years |
| Other Backward Classes | 8% | 3 years |
| Residents of areas adjoining ALC / IB | 4% | 3 years |
| Residents of Backward Areas | 10% | 3 years |
| Economically Weaker Sections | 10% | Nil |
| Ex-Servicemen (horizontal) | 6% | Service in the Armed Forces plus 3 years, up to a maximum age of 48 years |
| Persons with Disabilities (horizontal) | 4% | 10 years |
- You must hold a valid reserved category certificate on the date you register online. The category cannot be changed after registration.
- For EWS candidates, the certificate should be valid for the year 2026-2027.
- A candidate with a disability who also belongs to the SC, ST or backward class categories gets both relaxations added together.
Benefit for former J&K Bank apprentices
Candidates who completed Apprenticeship Training with J&K Bank and are domiciles of the UT of J&K get two benefits: an extra age relaxation of 1 year over their category relaxation, and additional marks equal to 2.5% of the maximum marks of the online exam.
Exam pattern
There is only one online examination, and there is no interview in this notice. The three tests are timed separately, so you cannot move unused time from one test to another.
| Test | Questions | Marks | Medium | Time |
|---|---|---|---|---|
| English Language | 30 | 30 | English | 20 minutes |
| Quantitative Aptitude | 35 | 30 | English | 20 minutes |
| Reasoning Ability | 35 | 40 | English | 20 minutes |
| Total | 100 | 100 | 60 minutes |
Negative marking
For every wrong answer, one-fourth of the marks of that question is deducted. A question left blank carries no penalty.
Cut-off and qualifying marks
- You must qualify in each of the three tests and also get a minimum total score. The cut-offs are decided by IBPS together with J&K Bank, depending on the number of vacancies.
- The minimum aggregate qualifying marks are 40% for General category candidates and 35% for reserved category candidates, subject to overall merit.
- Scores of different sessions are equated, and scores are reported up to two decimal places.
How the final selection is made
Only the marks of the online examination count for provisional selection, applied with the reservation rules. If two candidates have the same score, the older candidate is placed higher. The Bank will also keep a reserve list of up to 50% of the vacancies in each category, valid for one year or until the next recruitment notification, whichever is earlier.
Exam centres
You have to choose six centres, and at least three of them must be outside the UT of J&K. The centres listed in the notice are Srinagar, Jammu, Pulwama, Baramulla and Samba within J&K, and Delhi NCR, Patiala, Mohali, Phagwara, Amritsar, Pathankot, Jalandhar, Ludhiana and Bengaluru outside it. The Bank can allot a centre other than the ones you chose, and no request for a change is accepted.
Pay, probation, bond and posting
- Pay: the starting basic pay is Rs. 24,050 in the scale 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680-64480, plus other perks of the Banking Associate cadre. The notice does not print a gross or in-hand figure.
- Probation: 6 months, which the Bank can extend by up to three months.
- Bond: at joining you sign a bond of Rs. 1 lakh to serve the Bank for at least six months. It is invoked if you resign before completing six months.
- Posting: selected candidates must stay in the branches or offices of the zone first allotted to them for at least 5 years. No transfer outside that zone is allowed before five years on any ground.
- Joining time: capped at 45 days.
Practical tips
These are general suggestions, not rules from the notification.
- Each test has its own 20-minute clock, so practise each section with a timer.
- With a one-fourth penalty, skip questions you cannot narrow down instead of guessing blindly.
- Keep your category, EWS and domicile certificates ready before you fill the form, because the category cannot be changed later.
- Think about the five-year zone rule before you apply, since a transfer request will not be accepted during that period.
Frequently asked questions
Is there an interview for J&K Bank Banking Associate 2026?
No interview is mentioned. The notification says only the marks of the online examination are considered for provisional selection.
Can candidates from outside J&K apply?
No. This notice is only for domiciles of the UT of J&K.
Can final-year students apply?
The notice requires you to be a graduate on the last date of registration, 26-11-2026, with a valid mark sheet or degree certificate.
What is the exam date?
The dates for the call letter, the online exam and the result are all shown as "shall be notified separately". Watch the Careers tab on jkb.bank.in.
How long is the exam day?
The test itself is one hour, but the notice says candidates may need to be at the venue for about four hours for verification and other formalities.
For the important dates and the apply link, see our job page: J&K Bank Banking Associate Recruitment 2026. Please confirm every detail in the official notification on jkb.bank.in before you apply.