J&K Bank Probationary Officer 2026

The bank has issued two Probationary Officer notifications: 323 posts for domiciles of the UT of J&K and 20 posts for domiciles of the UT of Ladakh. Applications run from 7 to 26 November 2026.

The short version. Three stages: online Prelims, online Mains, interview. Wrong answers cost one quarter of the marks. The final merit counts the Mains and the interview in the ratio 80:20. A selected officer starts at a basic pay of Rs 48,480 and must stay in the allotted Zone for at least 5 years.

Vacancies and who can apply

UT of J&K: 323 vacancies. Only domiciles of the UT of J&K can apply.
UT of Ladakh: 20 vacancies. Only domiciles of the UT of Ladakh can apply.
Age 20 to 30 on 1 January 2026, and a graduate in any discipline. Full details are on the eligibility page.

The three stages

Online Preliminary Examination, conducted by IBPS. Candidates equal to 10 times the vacancies in each category are shortlisted for the Mains.
Online Mains Examination, with objective tests and a descriptive paper. Candidates equal to 3 times the vacancies in each category are shortlisted for the interview, on Mains marks only.
Interview, conducted by the bank.

The dates of the Prelims, Mains and interview are not yet announced. The notification says they will be "notified separately".

Preliminary examination

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 every candidate must qualify in each of the three by reaching a cut-off set by IBPS with the bank. The minimum total is 40% for the general category and 35% for reserved categories, subject to overall merit.

Mains examination

Test	Questions	Marks	Minutes
Reasoning	40	60	45
General / Economy / Banking / Digital / Financial Awareness, including RBI circulars	50	60	35
English Language	40	20	35
Data Analysis and Interpretation	40	60	45
Total (objective)	170	200	160

The Mains also has a descriptive paper (essay and comprehension): 2 questions, 25 marks, 30 minutes. The notification says it may broadly be based on economic and social issues, emerging trends in banking and technology, current events and ethics.

Candidates need a minimum score in each Mains test and a minimum total to be shortlisted for the interview.
The minimum aggregate in the Mains is 40% for the general category and 35% for reserved categories, subject to overall merit.
Only Mains marks are used to shortlist for the interview, and the Mains scores are not shown to candidates until the interview process is complete.

Wrong answers

In both the Prelims and the Mains objective tests, one quarter of the marks for a question is deducted for each wrong answer. A question left blank has no penalty.

Interview and final merit

The interview carries 100 marks. The minimum is 40% (35% for reserved categories).
The final score combines the Mains and the interview in the ratio 80:20.
A candidate must qualify in both the Mains and the interview.

Pay, probation and posting

Starting basic pay: Rs 48,480 in the scale 48480-2000/7-62480-2340/2-67160-2680/7-85920, with other perks of Junior Management Grade Scale-I.
Joining: within 45 days of the provisional appointment letter.
Probation: two years, with an annual review and a confirmation examination.
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, on any ground.

Application fee

Category	Fee (excluding GST)
SC / ST / SEBC / PwBD	Rs 1,000
All others	Rs 1,200

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.