J&K Bank Banking Associate Recruitment 2026 – Ladakh: Vacancies, Eligibility, Selection Process and Salary

viju joshi

3 hours ago

J&K Bank Banking Associate Recruitment 2026 – Ladakh: Vacancies, Eligibility, Selection Process and Salary

Jammu & Kashmir Bank Limited has invited online applications for Banking Associate positions in the Union Territory of Ladakh. A total of 21 vacancies have been announced. Graduates who are domiciled in Ladakh and meet the prescribed age criteria can apply.

IBPS will conduct the online examination.

21 Vacancies

Graduate Level

1. J&K Bank Banking Associate Recruitment 2026 –Vacancy 2026

Particulars	Details
Recruiting organisation	Jammu & Kashmir Bank
Post name	Banking Associate
UT	Ladakh
Total vacancies	21
Recruitment notification	JKB/HR/Rectt/2026-495
Selection authority	J&K Bank
Exam conducting body	IBPS
Job location	Ladakh

Reservation: Vacancies will be filled according to the applicable UT Ladakh reservation rules.

The notification mentions the following reservation percentages:

Category	Reservation
Scheduled Caste (SC)	1%
Scheduled Tribe (ST)	80%
ALC	4%
EWS	10%
Ex-Servicemen	6% (horizontal)
PwBD	4% (horizontal)
Outstanding Sportspersons	4% (horizontal)

Note: Horizontal reservations operate within the applicable category-wise vacancy roster. The notification does not provide a separate post-wise category-wise breakup of the 21 vacancies.

2. Educational Qualification for J&K Bank Banking Associate Recruitment 2026 –

Candidates must fulfil the following educational requirements:

Graduation in any discipline from a university recognised by the Government of India.
Equivalent qualifications recognised by the Central Government/UGC are also acceptable.
Candidates must possess their graduation degree or marksheet by the last date of online registration.
Graduation percentage must be entered in the application form.

Candidates having CGPA/OGPA must convert their grades into percentage according to their university’s conversion rules.

DVC Executive Trainee Recruitment 2026 check

3. Age Limit for Banking Associate

The age limit will be calculated as on 01 January 2026.

Criteria	Age
Minimum age	20 years
Maximum age	30 years
Date of birth (lower limit)	01-Jan-96
Date of birth (upper limit)	01-Jan-06

Age Relaxation for J&K Bank Banking Associate Recruitment 2026 –

Category	Age relaxation
SC	5 years
ST	5 years
ALC	5 years
PwBD	10 years
EWS	No relaxation
Ex-Servicemen	As per applicable rules

Additional benefit for J&K Bank apprentices:

Candidates who have successfully completed apprenticeship training with J&K Bank and are domiciles of Ladakh will receive:

One year additional age relaxation.
Additional marks equal to 2.5% of the maximum marks in the online examination.

4. Selection Process for J&K Bank Banking Associate Recruitment 2026 –

The selection of Banking Associates will be based on the aggregate marks obtained in the online examination.

The recruitment process includes:

Online examination conducted by IBPS.
Shortlisting based on examination scores and applicable reservation rules.
Document verification.
Provisional selection and appointment.

Important: There is no separate interview mentioned in the selection criteria of this notification.

Online Examination Pattern for J&K Bank Banking Associate Recruitment 2026

Subject	Questions	Marks	Duration
English Language	30	30	20 minutes
Quantitative Aptitude	35	30	20 minutes
Reasoning Ability	35	40	20 minutes
Total	100	100	60 minutes

All three sections will be separately timed.

English Language: 20 minutes
Quantitative Aptitude: 20 minutes
Reasoning Ability: 20 minutes

Negative Marking

There will be negative marking for incorrect answers.

One-fourth of the marks assigned to a question will be deducted for each wrong answer.
No marks will be deducted for unanswered questions.

Qualifying Marks for J&K Bank Banking Associate Recruitment 2026

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

Candidates must also qualify in each individual test. The actual cut-offs will be decided by IBPS in consultation with J&K Bank.

Source: Detailed notification, pages 9–10 and 17.

J&K Bank Banking Associate Salary 2026

Starting Basic Pay: ₹24,050 per month

According to the notification, the starting basic pay for Banking Associates is ₹24,050.

The prescribed pay scale is:

₹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

Salary Structure

Salary component	Amount
Starting Basic Pay	₹ 24,050
Other allowances and perks	As applicable
Maximum basic pay in the scale	₹ 64,480

The notification states that other perks applicable to the Banking Associate cadre will also be provided.

Important: The notification does not specify the exact monthly gross salary or in-hand salary. Actual monthly earnings will depend on applicable allowances, deductions and posting-related benefits.

Important Conditions of Appointment

Candidates should pay attention to the following conditions before applying:

Selected candidates must remain posted in the Ladakh Zone for a minimum of five years.
No transfer outside the initially allotted zone will be permitted before completion of five years.
Selected candidates will initially be placed on probation for six months.
The probation period may be extended by up to three months.
Candidates must execute a service bond of ₹1 lakh to serve the bank for at least six months.
The bond will be invoked if the candidate resigns before completing six months.
Important Recruitment Dates

Event	Date
Notification date	07-Nov-26
Online application begins	07-Nov-26
Last date to apply	26-Nov-26
Last date for fee payment	26-Nov-26
Online examination	To be announced
Admit card	To be announced
Result	To be announced