Jammu & Kashmir Bank PO Recruitment 2026: Apply Online for 323 Probationary Officer Posts

Full Eligibility Criteria

Candidates applying for the JK Bank PO Recruitment 2026 must fulfill specific eligibility criteria including domicile status, age limits, and educational qualifications as detailed below.

Salary / Pay Scale

Selected candidates for the Probationary Officer post at J&K Bank will receive an attractive salary package along with other applicable perks, aligning with the Junior Management Grade Scale-I.

• Probation Period: A Probationary Officer will be on probation for 2 years from the date of joining. Confirmation is subject to satisfactory performance and successful completion of an evaluation examination.
• Service Bond: Selected candidates must execute a Bond of Rs. 2,00,000/- to serve the Bank for a minimum period of 2 years. The bond will be invoked if the candidate resigns before the expiry of two years.
• Job Posting: Selected candidates must mandatorily remain posted within the initially allotted Zone for a minimum period of 5 years. No transfer outside this zone is permitted before completing five years.

Selection Process

The selection process for JK Bank Probationary Officer Recruitment 2026 is rigorous, involving three distinct phases: a Preliminary Examination, a Mains Examination, and a final Interview.

• Phase 1: Preliminary Examination (Online) - Candidates will appear for an online objective test. Those shortlisted (10 times the number of vacancies per category) will proceed to the Mains.
• Phase 2: Mains Examination (Online – Objective & Descriptive) - A comprehensive online examination, including both objective and descriptive papers. Candidates shortlisted (3 times the number of vacancies per category) will be called for the Interview.
• Phase 3: Interview - A personal interview round carrying 100 marks, conducted by J&K Bank at select centres.
• Final Merit List: The final merit will be prepared based on the combined scores of the Online Mains Examination and Interview, with a weightage ratio of 80:20 respectively. In case of a tie, the candidate senior in age will be ranked higher.

Exam Pattern

The JK Bank PO selection process includes two online examinations: Preliminary and Mains. Both phases have specific patterns, subjects, and marking schemes, including a negative marking for incorrect answers.

Phase I: Preliminary Examination Pattern

• Qualifying Marks: Candidates must qualify in each of the three tests by securing cut-off marks decided by IBPS in concurrence with J&K Bank.
• Aggregate Qualifying Marks: Minimum 40% for General Category and 35% for Reserved Categories, subject to overall merit.
• Negative Marking: A penalty of 1/4th of the marks assigned to a question will be deducted for each wrong answer.

Phase II: Mains Examination Pattern

• Qualifying Marks: Each candidate must obtain a minimum score in each test of the Online Mains examination and also a minimum total score to be considered for shortlisting for interview.
• Aggregate Qualifying Marks: Minimum 40% for General Category and 35% for Reserved Categories, subject to overall merit.
• Negative Marking: A penalty of 1/4th of the marks assigned to a question will be deducted for each wrong answer.
• Descriptive Paper: May be broadly based on Economic and Social issues, emerging trends in banking & Technology, current events, ethics, etc.

Post / Category Wise Vacancy Details

The Jammu & Kashmir Bank Ltd. has announced a total of 323 vacancies for the Probationary Officer (PO) post. The distribution of these vacancies will be as per the reservation rules of the UT of J&K.

Job Profile & Responsibility

As a Probationary Officer (PO) at Jammu & Kashmir Bank Ltd., you will undergo intensive training to understand various banking operations. Your role will involve customer service, managing cash, processing loans, and ensuring compliance with banking regulations. POs are groomed for future leadership roles within the bank.

• Customer Service: Handling customer queries, resolving issues, and providing information about bank products and services.
• Cash Management: Overseeing cash transactions, managing withdrawals, deposits, and ensuring accurate record-keeping.
• Loan Processing: Assisting in the processing of loan applications, verifying documents, and ensuring adherence to credit policies.
• Regulatory Compliance: Ensuring all banking operations comply with RBI guidelines and internal bank policies.
• Marketing & Sales: Promoting various banking products like insurance, mutual funds, and loans to potential customers.
• Branch Operations: Performing day-to-day administrative tasks, managing back-office operations, and preparing reports.
• Risk Management: Identifying and mitigating operational risks within the branch.

How to Apply

Candidates interested in the JK Bank PO Recruitment 2026 must apply online through the official IBPS portal. Ensure you follow all instructions carefully for a successful application submission.

1. Visit the official website of J&K Bank at https://jkb.bank.in/ and navigate to the ‘Careers’ tab.
2. Click on the relevant notification for Probationary Officer Recruitment 2026 and select the ‘APPLY ONLINE’ link.
3. For new users, choose ‘Click here for New Registration’. Enter your Name, Contact details, and Email ID to generate a Provisional Registration Number and Password.
4. Fill in the online application form with all required personal and educational details. Use ‘SAVE AND NEXT’ to save your progress periodically.
5. Upload scanned copies of your photograph (4.5cm × 3.5cm), signature (black ink on white paper), left thumb impression, and a hand-written declaration as per the specified guidelines in the notification.
6. Upload required documents in PDF format, including 10th Certificate, Graduation Certificate, category certificates, and disability certificates if applicable.
7. Preview your application form thoroughly to verify all details before clicking ‘COMPLETE REGISTRATION’. No changes will be allowed after final submission.
8. Proceed to the payment gateway and pay the application fee online using Debit Card, Credit Card, Internet Banking, IMPS, Cash Cards, or Mobile Wallets.
9. After successful payment, download and save the e-Receipt.
10. Finally, take a printout of the system-generated online application form for your future reference.

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