J&K Bank Banking Associate 2026
The bank has issued two Banking Associate notifications: 1,033 posts for domiciles of the UT of J&K and 21 posts for domiciles of the UT of Ladakh. Applications run from 7 to 26 November 2026.
The short version. One online exam of 100 marks in 60 minutes, conducted by IBPS. Wrong answers cost one quarter of the marks. The starting basic pay is Rs 24,050. A selected candidate must stay in the allotted Zone for at least 5 years.
Vacancies and who can apply
- UT of J&K: 1,033 vacancies, for domiciles of the UT of J&K only.
- UT of Ladakh: 21 vacancies, for domiciles of the UT of Ladakh only.
- Age 20 to 30 on 1 January 2026, and a graduate in any discipline. See the eligibility page.
The examination
The Banking Associate notification describes one online examination. It has the same three tests as the Probationary Officer Prelims. The notification does not mention an interview for this post, and says that marks from the online examination are used for shortlisting and provisional selection, subject to the other selection conditions such as document verification.
| Test | Questions | Marks | Minutes |
|---|---|---|---|
| English Language | 30 | 30 | 20 |
| Quantitative Aptitude | 35 | 30 | 20 |
| Reasoning Ability | 35 | 40 | 20 |
| Total | 100 | 100 | 60 |
- Each test is timed separately, and a candidate must reach the cut-off in each test and in the total.
- Cut-offs depend on the number of vacancies. They are set in two steps: on the individual tests and on the total score.
- The minimum aggregate at each stage of selection is 40% for the general category and 35% for reserved categories, subject to overall merit.
- Scores from different sessions are equated, so a harder session does not hurt candidates.
Wrong answers
One quarter of the marks for a question is deducted for each wrong answer. A question left blank carries no penalty.
Exam centres
Candidates give a choice of six centres, of which at least three must be outside their own UT. The bank can allot any centre, including one you did not choose, and does not entertain change requests. The centres listed in the notifications are:
| Notification | In the UT | Outside the UT |
|---|---|---|
| UT of J&K | Srinagar, Jammu, Pulwama, Baramulla, Samba | Delhi NCR, Patiala, Mohali, Phagwara, Amritsar, Jalandhar, Bengaluru, Ludhiana, Pathankot, others if needed |
| UT of Ladakh | Leh, Kargil | Delhi NCR, Patiala, Mohali, Ludhiana, Amritsar, Jalandhar, Bengaluru, Phagwara, Pathankot, others if needed |
Pay and service
- Starting basic pay: Rs 24,050 in the scale 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680-64480, with other perks applicable to the Banking Associate cadre.
- Joining: capped at 45 days from the provisional appointment letter.
- Posting: a selected candidate must stay in the Zone first allotted for at least 5 years. No transfer outside the Zone is allowed before that.
More in salary and job profile.
Application fee
| Category | Fee (excluding GST) |
|---|---|
| SC / ST / SEBC / PwBD / ESM | Rs 600 |
| All others | Rs 800 |
Bank transaction charges for the online payment are paid by the candidate. See how to apply.
Official documents
Checked against the bank's detailed notifications on 9 November 2026. Dates and rules can change; the bank says to keep checking the Careers tab. See our editorial policy or report a mistake.