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LG Manoj Sinha Unveils J&K Bank Wall and Table Calendars for 2026 at Lok Bhavan

December 30, 2025 by NOK Desk

Lieutenant Governor Manoj Sinha on Tuesday unveiled the 2026 Wall and Table Calendars of Jammu & Kashmir Bank at Lok Bhavan.

The Wall Calendar for 2026 is based on the theme “Rivers of J&K and Ladakh”, while the Table Calendar highlights historic places of the region. Both calendars show the rich natural beauty and cultural heritage of the Union Territories of Jammu & Kashmir and Ladakh.Click Here To Follow Our WhatsApp Channel

The Lieutenant Governor praised J&K Bank for choosing meaningful themes. He said these calendars will help create awareness about protecting ancient monuments, heritage sites, traditions, and natural resources for future generations. He stressed that society must work together to preserve these valuable treasures.

Manoj Sinha also spoke about the importance of protecting rivers and water bodies. He said rivers in Jammu & Kashmir are a major source of fresh water, help in food security, and support biodiversity. He urged people and communities to come forward to protect rivers and ecosystems to face future climate challenges.

Amitava Chatterjee, Managing Director and CEO of J&K Bank, said the 2026 calendars honour rivers that support life and historic places that reflect the region’s shared legacy.

The calendars also highlight public welfare schemes such as Mission YUVA and PM Surya Ghar Muft Bijli Yojana. In addition, they feature J&K Bank’s services like Housing Loans, Car Loans, Personal Consumption Loans, and Online Account Opening, showing the bank’s role in supporting people’s aspirations and development.

Senior officials present at the event included Santosh D. Vaidya, Principal Secretary, Finance Department; Dr Mandeep K. Bhandari, Principal Secretary to the Lieutenant Governor; Sudhir Gupta, Executive Director; and Sunit Kumar and Imtiyaz Ahmad, Chief General Managers of J&K Bank.

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Crime Branch Kashmir Files Chargesheet Against Two in Fake J&K Bank Job Scam

December 8, 2025 by NOK Desk

The Economic Offences Wing (EOW) of Crime Branch Kashmir submitted a chargesheet in case FIR No. 50/2023 under Sections 420, 468, 471, and 120-B of the RPC before the Court of Passenger Tax, Sub-Registrar Srinagar.Click Here To Follow Our WhatsApp Channel

The chargesheet has been filed against two accused individuals, Mohd Ashraf Sheikh, son of Abdul Majeed Sheikh, resident of Pahloo Kulgam, and Aijaz-ul-Rehman Manroo, son of Abdul Rehman Manroo, resident of Bulbul Bagh, Barzulla, Srinagar.

The case stems from a written complaint alleging that the accused persons deceived the complainants on the false promise of securing jobs in J&K Bank.

In the process, they allegedly collected huge sums from the victims. Acting on the complaint, a probe was initiated at Police Station Economic Offences Wing (Crime Branch Kashmir).

During the probe, it surfaced that the accused individuals had provided fake and forged appointment orders to the complainants, thereby dishonestly inducing them to part with their money. The investigation established the involvement of both accused in orchestrating the fraudulent act.

Based on the evidence gathered, including documentary proof, statements of witnesses, and forensic examination, EOW (Crime Branch Kashmir) has concluded that the accused have committed offences punishable under the referenced sections of the RPC. Consequently, the chargesheet has been submitted before the competent court for judicial determination.

The Economic Offences Wing reiterates its commitment to combating financial frauds and safeguarding the interests of the public by ensuring that offenders are brought to justice.

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Khidmat Centre Operators Protest in Jammu; President Tanveer Haji Demands Monthly Support and Permanent Settlement Policy

November 6, 2025 by NOK Desk

The Jammu and Kashmir Khidmat Centre Association has launched a protest demanding the immediate implementation of the long-promised Permanent Settlement Policy, citing a total collapse of their livelihoods after 16 years of dedicated public service.

For more than a decade, Khidmat Centres have played a vital role in delivering essential government and banking services, particularly in some of the most remote regions of Jammu and Kashmir. The operators have served as frontline workers during major crises, including the COVID-19 pandemic, ensuring that citizens continued to receive vital services when most institutions were shut down.

However, with the cessation of banking services, the operators now face an unsustainable future. Their operations have been crippled, and the association asserts that J&K Bank, the designated Service Centre Agency, has failed to secure the future of these vital centres.

Despite several high-level assurances from government officials over the years — including from Dr. Jitendra Singh (MP) — no concrete steps have been taken to formalize the employment status of the operators. This prolonged inaction has left 1,109 highly skilled professionals in a state of deep financial and professional uncertainty.

The association strongly argues that a permanent settlement is not only their rightful demand but also an obligation for all stakeholders who initially established and benefited from these centres.

Speaking on behalf of the association, President Tanveer Haji stated:

“Our demand is clear and just — implement the promised Permanent Settlement Policy. Until this is achieved, the Government must announce Gap Support of ₹50,000 per centre, per month without any further delay.”

The association has now made a direct appeal to the Lieutenant Governor, Shri Manoj Sinha, and Chief Minister Omar Abdullah for their personal intervention to resolve this critical issue.

Furthermore, the Khidmat Centre Association has warned that if a policy decision is not made soon, they will be forced to intensify their agitation until their legitimate demands for stability, security, and dignity are met.

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All J&K Khidmat Centre Association Stages Protest in Jammu, Demands Permanent Settlement Policy

November 6, 2025 by NOK Desk

Members of the All J&K Khidmat Centre Association staged a protest in Jammu on Thursday, demanding a permanent settlement policy for Khidmat Centre operators across Jammu and Kashmir.

Protesters, including operators and employees from various districts, gathered to voice their long-standing grievances. They called for job regularisation, rehabilitation, and absorption into permanent roles within J&K Bank or relevant government departments.Click Here To Follow Our WhatsApp Channel

Khidmat Centres—established under the National e-Governance Plan and operated in partnership with J&K Bank as Common Service Centres (CSCs)—serve as key rural digital hubs. They provide essential services such as banking, bill payments, Aadhaar enrolment, pensions, and various G2C/B2C services.

Despite working since 2009, operators—known as Village Level Entrepreneurs (VLEs)—say they have been left without job security or promised service benefits. They accuse the bank of violating the Master Service Agreement, ignoring earlier assurances, and exploiting educated youth who have now become overaged for government recruitment.

The association’s representatives reminded authorities that their demands date back to 2021–2023, when similar protests were held in Srinagar and Jammu. Multiple memoranda were submitted to the Lieutenant Governor’s Office and J&K Bank management, but operators claim their appeals remain unheard.

Over the years, Khidmat Centre operators have played a key role in implementing Digital India initiatives—opening millions of Jan Dhan accounts, distributing pensions during COVID-19, and managing transactions worth over ₹1,000 crore monthly.

As of now, no official response has been issued regarding today’s demonstration. However, the issue highlights the widening discontent among contractual and semi-formal workers within J&K’s e-governance system.

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Kashmir services

J&K Bank Wins Four Cybersecurity Honours at IBA CISO Summit 2025

June 9, 2025 by NOK Desk

Adding another distinct feather to its digital cap, J&K Bank has emerged as a leading winner at the prestigious IBA CISO Summit & Citations – 2025, sweeping four top honours in the Private Sector (Medium Size) category for excellence in cyber security and resilience. The theme of the event was ‘Elevating Cyber Resilience: Protect, Adapt, and Thrive’.

At the summit, the Bank won four major awards that included Cyber Security Transformation of the Year Award, Cyber Security Compliance Champion Award, and Cyber Security Team of the Year Award besides a Special Prize for Cyber Security Incident Response Mastery. The awards, conferred by the Indian Banks’ Association (IBA) in Mumbai, recognized the Bank’s consistent and robust efforts in enhancing its cyber security posture, protecting customer data, and institutionalizing secure digital banking practices.

The Bank’s CISO Muneer Hassan KongaWani received the awards last week at the hands of the jury comprising of Advisor to NCIIPC/Ex CGM/Group CISO (SBI) Anil Bhandari, CEO (Cyber Security Centre of Excellence, Telangana – DSCI) Dr Sriram Birudavolu and Chief Market Information Security Officer & Data Protection Officer (NPCI) Pravin Kumar. Deputy Chief Executive (IBA) Gopal Murli Bhagat and Senior Advisor (IBA) K Srinivasa Rao were also present on the occasion.

MD & CEO Amitava Chatterjee congratulated and commended the Bank’s IT & IS teams for the accomplishment in presence of Executive Director Sudhir Gupta and General Managers. He said, “Cyber security is at the core of our digital transformation journey, and I dedicate these awards to our committed technology and information security teams who work tirelessly to safeguard customer trust.”

“Winning multiple awards at such a prestigious platform reflects the Bank’s strategic direction, collective effort, and commitment of the IT & IS team towards strengthening the Bank’s digital and cyber resilience, particularly at a time when the Bank is expanding its digital footprint across geographies”, he added.

He further said, “As we scale new digital heights, these recognitions only strengthen our resolve to remain ahead of the curve by embracing industry-best digital and cyber practices and ensuring our systems and services remain safe and agile while being compliant”, he further added.

Notably, the IBA CISO Summit attracts regulatory authorities, top dignitaries of banks, CISOs/Information Security Audit Chiefs/Data Protection Officers besides the best cybersecurity providers in the industry and instils competition among CISOs to demonstrate their state-of-the-art security practices, sense of purpose, and brings huge value addition in best practices for protecting their organizations.

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J&K Bank Processes ₹1.39 Arab Digital Transactions in 6 Days Eid Period Without Service Disruptions

March 31, 2025 by NOK Desk

Jammu & Kashmir Bank has achieved an unprecedented milestone in digital banking by processing 9.54 crore seamless transactions worth Rs 13,900 crores (₹1.39 Arab) in just six days leading up to Eid, with no service interruptions reported across its digital platforms.

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During this period, the bank recorded 3.07 crore mPay Delight+ transactions amounting to Rs 5,383 crores, while its UPI services facilitated 6.07 crore instant payments worth Rs 4,563 crores. Additional transaction volumes came through ATMs, Kiosk Banking, and other digital channels.

The bank’s digital infrastructure maintained 100% platform availability despite handling triple the normal transaction volumes, processing over 22,000 transactions per minute at peak times.

Local business owners expressed satisfaction with the bank’s performance. “JK Bank’s mPay and UPI services were flawless throughout the Eid rush. Despite record transactions, our customers didn’t face even a minute’s inconvenience,” said Umar Mukhtar, owner of Different Clothing Store in Chadoora.

Arif Bhat of Jan Bakers in HMT added, “The real test comes during peak seasons. JK Bank’s digital services handled the Eid rush brilliantly without any disruption.”

A senior JK Bank official noted that while the transaction numbers are impressive, “it’s the flawless experience that matters most. Our teams worked tirelessly to ensure that every Eidi transfer, every business payment, and every shopping transaction happens without a hitch.”

J&K Bank Wins ‘Best Innovation in Digital Lending’ at Indian PSU Achievers’ Awards 2025

March 19, 2025 by NOK Desk

In recognition of its digital excellence, J&K Bank has been honoured with the ‘Best Innovation in Digital Lending’ award at the 1st Indian PSU Achievers’ Awards 2025, held yesterday at the Main Convention Centre, SCOPE Complex in New Delhi.

Notably, Union Minister for MSME Jitan Ram Manjhi was Chief Guest at the prestigious award function, wherein the Bank’s General Manager & Divisional Head (Rest of India) Rajesh Gupta along with AGM Dorjey Angchuk received the honour at the hands of dignitaries.

While commenting upon the reception of the award, the Bank’s MD & CEO Amitava Chatterjee thanked the organisers for the honour. He further said, “This award signifies our commitment to digital transformation and customer-centric innovation. We thank the organizers for recognizing our efforts in digital lending, which remains a key focus area for us as we enhance financial accessibility for our customers.”

He also emphasized the Bank’s commitment to seamless digital banking services, adding, “With customer expectations evolving rapidly, I believe, we will ensure best digital banking experiences for the people while we continue to innovate. And our commitment remains strong in delivering secure, swift, and user-friendly solutions for our customers across geographies.”

Meanwhile, the high-profile award-ceremony witnessed the participation of reputed public sector banks, financial institutions, and PSUs from across the country, underscoring the significance of the platform in recognizing excellence and innovation within the public sector.

The Indian PSU Achievers’ Awards 2025 marks a significant milestone, celebrating excellence in the public sector while recognizing innovative contributions from PSUs nationwide. And the Bank’s achievement in the digital lending category reflects its growing stature among the country’s premier financial institutions.

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J&K Bank Boosts Farming with High-Density Plantation Camp in Anantnag – Empowering Farmers for Future Growth

January 22, 2025 by NOK Desk

J&K Bank organises High-Density Plantation Camp

In a significant move to foster sustainable agriculture and boost economic growth in the region, J&K Bank organized a High-Density Plantation Camp at Town Hall Anantnag today. This initiative is a testament to the Bank’s commitment to supporting the local farming community and promoting agricultural development.

The camp was inaugurated by the Deputy Commissioner (DC) Anantnag, Syeed Fakhrudin Hamid (IAS), in the presence of J&K Bank’s General Manager & Divisional Head (Kashmir), Shabir Ahmad, Zonal Head (Anantnag) Khursheed Muzaffar, DGM Rakesh Magotra, and several key officials including the District Horticulture Officer and District Agriculture Officer.

DC Anantnag expressed his appreciation for the Bank’s proactive efforts in serving the people, especially its role in empowering the farming community. He particularly commended the leadership of ‘Team Anantnag’ and the efforts of Zonal Head Khursheed Muzaffar. “The Bank’s initiatives, such as this High-Density Plantation Camp, demonstrate its commitment to uplifting the region’s agricultural sector,” said the DC.

Shabir Ahmad, Divisional Head (Kashmir), praised the contributions of MD (Qul Fruit Wall) Khurram Mir for his significant role in making the camp a success. He emphasized that this initiative highlights J&K Bank’s dedication to agricultural growth and rural prosperity, adding, “By promoting high-density plantation, we are enabling farmers to unlock their potential and significantly contribute to the region’s economic development.”

During the event, more than 50 growers from Anantnag Zone were provided with on-the-spot sanction letters for High-Density Plantation loans, empowering them to enhance their agricultural practices.

The event was met with an enthusiastic response from farmers across Anantnag and Kulgam, further cementing the Bank’s reputation as a pillar of financial empowerment for the local community. Zonal Head Khursheed Muzaffar addressed the farmers, saying, “The J&K Bank High-Density Plantation Scheme for Progressive Farmers is designed to transform your lives by enabling you to create modern, high-yielding orchards. I encourage everyone to visit their nearest branch and avail the benefits of this scheme.”

DGM Rakesh Magotra highlighted that the Bank’s HD Plantation scheme is farmer-friendly, offering collateral-free loans of up to Rs 5 lakh with competitive interest rates. This makes it an attractive option for farmers looking to modernize their farming practices and increase productivity.

As J&K Bank continues to focus on agricultural development and rural prosperity, initiatives like the High-Density Plantation Camp are helping farmers in Anantnag and Kulgam build a brighter, more sustainable future.

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J&K Bank Launches Special One-Time Settlement Scheme for NPAs to Support Borrowers and Reduce Liabilities

January 1, 2025 by NOK Desk

In line with its ongoing efforts to reduce Non-Performing Assets (NPAs) while addressing the genuine challenges faced by borrowers in repaying their loans, J&K Bank today rolled-out its scheme titled ‘J&K Bank’s Special One Time Settlement Scheme for NPAs/RLAs (KARZ SE MUKTI)’.

MD & CEO Amitava Chatterjee today formally unveiled the scheme in the presence of Executive Director Sudhir Gupta, General Managers and other senior officers here at a ceremony held at the Bank’s Corporate Headquarters.

Notably, the scheme has been tailored to provide an opportunity to the borrowers with NPA accounts classified as Doubtful-I, Doubtful-II, Doubtful-III & Loss/RLAs with Principal NPA/RLA outstanding balance upto Rs 5 Crore as on September 30, 2024.

Speaking on the occasion, MD & CEO Amitava Chatterjee said, “JKB Special OTS -2024 Scheme reflects our commitment to extend a helping hand to the borrowers who are unable to repay their loans on time due to genuine constraints. This attractive scheme provides an exceptional opportunity for eligible borrowers to settle their accounts with the best possible incentives and concessions. I encourage all account holders eligible under this scheme to seize this golden opportunity and benefit from this comprehensive relief package.”

He further emphasized upon the proactive outreach, saying, “I urge all our teams to directly engage with borrowers, explain the scheme’s benefits in detail, and work collaboratively for its effective implementation to achieve maximum resolutions.”

He expressed confidence that the scheme would help borrowers resolve their liabilities and strengthen the Bank’s NPA recovery efforts. Addressing concerns of various stakeholders including trade bodies, he reaffirmed the Bank’s commitment to support the genuinely stressed borrowers while maintaining the Bank’s strong financial performance.

Earlier, General Manager (IAPMD) Rajesh Malla Tickoo provided an overview of the Bank’s NPA scenario, highlighting how the steep reduction in the Bank’s GNPA ratio – from nearly 9% few years ago to 3.95% in September 2024 – underscores the Bank’s focused approach to asset quality. He described the Special OTS scheme as a key step in furthering this success.

A detailed presentation outlining the scheme’s features and implementation plan was also shared with participants during the launch. The function concluded with the participants expressing confidence and assuring active participation from operative levels to ensure the scheme’s success.

Pertinently, valid for three months ending on 31st March – 2025, the scheme is non-discretionary and non-discriminatory, offering incentives for early repayment of OTS amount. As per the scheme, the sanction will be accorded and conveyed within 7 days from the date of receipt of application.

Beware of Job Scams: J&K Bank Warns Public Against Fraudulent Recruitment Schemes

April 4, 2024 by NOK Desk

Amidst reports from various regions of the UT, J&K Bank has sounded an alarm regarding deceitful attempts by certain individuals to ensnare the public with false promises of employment opportunities within the bank. These miscreants, posing as senior bank officials, are preying on unsuspecting individuals by luring them with purported job offers at J&K Bank.

Upon investigating the matter and liaising with the bank’s authorities, it has been confirmed that these individuals are nothing but fraudsters, aiming to exploit the vulnerable. A spokesperson for the bank strongly condemned their actions, emphasizing that genuine recruitment drives are always accompanied by official advertisement notices. These notices are extensively disseminated through print media, the bank’s official website, and its social networking platforms.

The spokesperson reiterated the bank’s stance, urging the public to exercise vigilance and caution. They advised individuals seeking employment opportunities at J&K Bank to rely solely on official announcements posted on the bank’s website and social media channels. Furthermore, they cautioned against engaging with anyone purporting to represent the bank in recruitment matters without proper verification.

In light of these concerning developments, the spokesperson emphasized the importance of staying informed through legitimate channels and warned against falling prey to fraudulent schemes that could tarnish both the bank’s reputation and individuals’ financial well-being.

In conclusion, the spokesperson urged the public to remain vigilant, advising them to report any suspicious activity related to job offers at J&K Bank directly to the bank’s authorities. By staying alert and discerning, individuals can safeguard themselves against potential scams and ensure their financial security.