Information only
Jammu & Kashmir Bank is a private sector bank in the Reserve Bank of India's (RBI) classification. RBI's Banks in India listing gives its address as Srinagar. According to the bank's website, as of 8 November 2026, it was incorporated in 1938 and describes itself as a scheduled commercial bank and one of the oldest private sector banks in India. The Government of Jammu & Kashmir and Ladakh holds the majority of its shares. It lists many named schemes for the region.
Loans it offers
Loan products named on J&K Bank's website, as of 8 November 2026
| Loan | What to know |
|---|---|
| Home loans | Listed schemes include a home loan for EWS, LIG and MIG individuals in urban areas, a home loan under Pradhan Mantri Awas Yojana-Urban 2.0, a housing loan and the J&K Bank PM Surya Ghar Muft Bijli Yojana for rooftop solar. |
| Personal loans | Named schemes include a personal consumption loan, a cash credit scheme for salaried employees, a skill loan, a coaching fee loan, a modular kitchen finance scheme, laptop and smartphone finance, and a festival advance scheme. |
| Loans against property | A loans against property (LAP) scheme appears under retail loans, and a mortgage loan for the trade and service sector appears under business loans. |
| Business and MSME loans | Named schemes include contractor finance, a start-ups finance scheme, supply chain finance, a TReDS scheme, the Karobar Card, Saral finance for small businessmen and the Lal Ded Stree Shakti scheme. |
| Car loans | A car loan scheme for new cars for private use and a car loan for used cars are listed. Commercial vehicle, school bus and passenger bus finance appear under business loans. |
| Two-wheeler loans | A two-wheeler finance scheme is listed. |
| Gold loans | A loan against gold ornaments and jewellery is listed. |
| Education loans | Listed schemes include an education loan scheme, the PM-Vidyalaxmi education scheme and a term loan for B.Ed and M.Ed courses. |
The bank also lists agriculture schemes, including Kisan Credit Card schemes for crops and for animal husbandry and fisheries, a fruit advances scheme for apples and a holistic agriculture development programme. Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, MSME loans, car loans, two-wheeler loans, gold loans, education loans and agriculture loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, regulated by the Reserve Bank of India |
| Address listed by RBI | Srinagar, Jammu and Kashmir |
| Incorporated | 1938, according to the bank's website |
| Largest shareholder | Government of Jammu & Kashmir and Ladakh, about 59.4%, according to the bank's website and exchange filings |
As of 8 November 2026, the bank's website states that the Government of Jammu & Kashmir and Ladakh holds a majority, about 59.4%, of the bank. Check the bank's latest shareholding pattern for the current figure.
Before you apply
- Many schemes here are tied to a government programme, a region or an occupation. Read the scheme conditions, such as who may apply and what documents prove it, before you pick a product.
- A scheme for rooftop solar, farm work or a craft business can need papers a standard loan does not. Ask the branch for the checklist in writing.
- Where a loan is backed by a government credit guarantee scheme, the lender still decides on your application and checks your repayment ability.
- Ask for the Key Fact Statement (KFS) and compare the annual percentage rate (APR), which counts the lender's fees.
- This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
Compare published rates on interest rates and browse the lenders page. The site draws the lending partner or information only label from live data. If it reads information only, apply on the bank's own website.
Last updated 12 Nov 2026