JK Bank PO Recruitment 2026: 323 J&K and 20 Ladakh Probationary Officer Posts

Jammu & Kashmir Bank is hiring 343 Probationary Officers (POs) through two separate notices. There are 323 posts for the Union Territory (UT) of J&K and 20 for the UT of Ladakh. The online form and fee payment for JK Bank PO Recruitment 2026 run from 7 November to 26 November 2026 on jkb.bank.in. You need a graduation degree in any subject by 26 November 2026. You must be 20 to 30 years old on 1 January 2026, and you must hold the domicile of the UT you apply for. IBPS (Institute of Banking Personnel Selection) will run the online exams. Selection has three stages: a Preliminary exam, a Mains exam and an interview.

JK Bank PO Recruitment 2026: 323 seats in J&K, 20 in Ladakh

The two notices are almost the same. The main differences are the number of seats, who can apply and the reservation rules.

The notices give one total per UT. They do not print a category-wise split of the 323 or the 20 seats. Page 1 also says no transfer outside the allotted zone will be allowed “on any ground whatsoever” before the five years are over.

How SC, ST, SEBC and disability relaxations stretch the J&K age limit

The age limit is 20 to 30 years on 1 January 2026 (page 3). Page 4 of the J&K notice (page 3 of the Ladakh notice) turns this into dates. You must be born “not earlier than 01.01.1996 and not later than 01.01.2006”, and both dates are included. The upper limit is relaxed for reserved groups as below.

OBC, ALC/IB and RBA together form the Socially and Educationally Backward Classes (SEBC) group. The second ST list adds Gadda Brahmin, Koli, Paddari Tribe and the Pahari Ethnic Group, under the 2024 amendment. The SC, ST or SEBC relaxation can be added to the disability relaxation. A disability certificate that marks the condition as “likely to improve” does not qualify for reservation (page 8). Your category certificate must be valid on the day you register online (page 3). The EWS certificate must be valid for 2026-2027 (page 8).

Ladakh’s one-time 5-year age relaxation and 80% ST reservation

The Ladakh notice follows Statutory Order (S.O.) 77 of 27 June 2025. It reserves 80% for ST, 1% for SC, 4% for residents next to the Line of Actual Control in Ladakh and 10% for EWS. Persons with benchmark disabilities get 4%, as a horizontal share counted within the other categories. SC, ST and ALC candidates get 5 extra years, and candidates with disabilities get 10.

On top of this, pages 3 and 4 of the Ladakh notice quote General Administration Department Order No. 280-LA(GAD) of 2025, dated 30.06.2025. It gives a one-time extra relaxation of 5 years for recruitments in 2025 and 2026. It applies to every candidate, including the Unreserved (UR) category. The only cap is that no candidate may be older than 56 years. This clause appears only in the Ladakh notice. The J&K notice has no similar relaxation, so in our reading it does not apply to J&K applicants.

Graduation result and the two-decimal percentage rule in the JK Bank PO notice

You need a graduation degree in any discipline from a recognised university, or an equivalent qualification recognised by the Central Government or the University Grants Commission (UGC). You must be a graduate “as on the last date of registration”, which is 26 November 2026 (pages 3 and 4). At the interview, you must show a document from your board or university that your result was declared by that date (page 20). In our reading, a student whose final result is declared after 26 November 2026 would not meet this condition.

The notice sets no minimum percentage, but you must enter your graduation percentage in the form. Page 4 explains how to work it out.

• Add the marks of all subjects in all semesters or years, including honours and optional subjects.
• Divide by the total maximum marks and multiply by 100. Give the result to two decimal places.
• If your university gives a cumulative or overall grade point average (CGPA or OGPA), convert it to a percentage. Keep a certificate from the university that states its conversion rule.

The bank ignores fractions, so 59.99% counts as less than 60%. Your category cannot be changed after you register (page 4).

Prelims of 100 marks in 60 minutes, Mains of 225 marks

Both online exams are in English only (pages 8 and 9). Each section has its own timer.

The Prelims total is 100 questions for 100 marks in 60 minutes. The objective Mains is 170 questions for 200 marks in 160 minutes. The descriptive paper adds 25 marks and 30 minutes. Page 9 says the essay “may be broadly based on” economic and social issues, banking and technology trends, current events and ethics.

A wrong answer in any objective test costs one quarter of that question’s marks. A blank answer costs nothing (page 9). If the exam runs in more than one session, scores are normalised by the equi-percentile method, so that a harder or easier session does not decide your rank.

Cut-offs, the 10x and 3x shortlists, and the 80:20 final merit

1. Prelims: you must clear each of the three sections. You also need at least 40% in total (35% for reserved categories). Candidates numbering 10 times the vacancies in each category are called for the Mains (pages 1 and 9).
2. Mains: you need a minimum score in each test and in total, again 40% (35% for reserved). Only the Mains marks decide the interview list, which is 3 times the vacancies in each category (pages 9 and 10).
3. Interview: 100 marks, conducted by the bank at select centres. You need 40% (35% for reserved).
4. Final merit: Mains and interview in the ratio 80:20. If two candidates tie, the older one ranks higher (page 19).

The bank will also keep a reserve list of up to 50% of the vacancies in each category. It stays valid for one year from the selection list, or until the next notification, whichever comes first (pages 19 and 20).

J&K Bank PO fee: GST on top, no refund, no withdrawal

The fee is paid online between 7 and 26 November 2026 (page 15).

• SC, ST, SEBC and Persons with Benchmark Disabilities (PwBD): Rs 1,000, excluding GST.
• All others, including EWS: Rs 1,200, excluding GST (Goods and Services Tax).

Bank transaction charges are extra. The notice does not print the GST amount. Once paid, the fee is not refunded, and a registered application cannot be withdrawn (page 22).

Four scans J&K Bank wants, and the declaration text on page 14

Keep four scans ready before you start (pages 14 to 18).

A signature in capital letters is rejected, and so is a declaration written in capital letters (pages 14 and 17). The declaration must be in your own handwriting and in English. If someone else writes it, or it is in another language, the form is invalid. The text to copy is printed on page 14. You will also take a live photo through a webcam or by scanning a QR code with your phone.

Certificates go up as PDF files of up to 500 KB each. They are Class 10 and graduation, and where they apply, the apprenticeship completion, ex-servicemen, disability and scribe certificates (page 19). Save about 8 copies of the photo you upload, because the same photo is needed at later stages (page 13).

Joining within 45 days, then a confirmation test at the end of probation

A PO joins Junior Management Grade Scale-I (JMGS-I). Page 24 gives the scale as 48480-2000/7-62480-2340/2-67160-2680/7-85920. In plain terms, the basic pay starts at Rs 48,480. It rises by Rs 2,000 seven times to Rs 62,480, then by Rs 2,340 twice to Rs 67,160, then by Rs 2,680 seven times to Rs 85,920. Other perks of the scale are added, but the notice does not list them, so we do not estimate the in-hand pay.

• You must join within 45 days of the provisional appointment letter.
• Probation lasts two years. To be confirmed, you must also pass an evaluation exam with 40% (35% for reserved categories).
• At joining, you sign a bond of Rs 2 lakh to serve for at least two years. The bank invokes it if you resign earlier.

Some applicants already work in a government or quasi-government office, a public sector undertaking (PSU), a nationalised bank or a financial institution. They must bring a No Objection Certificate (NOC) to the interview. An NOC issued “for appearing in interview only” will not be accepted (page 20). If selected, you must also produce a proper discharge certificate from that employer when you join (page 21).

Where J&K and Ladakh graduates can look next: RRB Station Master and state lists

Graduates looking at another national exam can read about RRB Station Master 2026. For more, browse Jammu and Kashmir jobs, Ladakh jobs, bank jobs and jobs for graduates.

Domicile, result and category papers to settle for the J&K or Ladakh form

Our suggested checklist, as advice rather than a rule from the notice:

1. Check that your domicile certificate matches the notice you apply under: J&K or Ladakh.
2. Make sure your final graduation result will be declared by 26 November 2026, and work out your percentage the way page 4 asks.
3. Get your category, EWS or disability certificate in order before you register.
4. Apply through the careers tab of jkb.bank.in and print the e-receipt. If no e-receipt appears, the payment has failed.

✍️ Published byLokesh Rathore

Lokesh Rathore is a content writer with over 4 years of experience covering Government Jobs, Sarkari Result, Admit Card and Sarkari Yojana. He turns complex official notifications into clear, accurate and easy-to-follow updates for job seekers across India - with every post cross-checked against official government sources.

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