Jammu & Kashmir Bank Ltd. has released the official notification for Probationary Officer (PO) recruitment 2026 — 323 posts in the UT of J&K (Advertisement No. JKB/HR/Rectt/2026-492) and 20 posts in the UT of Ladakh (Advertisement No. JKB/HR/Rectt/2026-494). The online application window is open from 07 November to 26 November 2026 on the bank’s official website, jkb.bank.in.
The selection is done through three stages — Preliminary Exam, Mains Exam and Interview — and the examinations are conducted by the Institute of Banking Personnel Selection (IBPS). This article gives the complete JK Bank PO Syllabus 2026 and exam pattern for both Prelims and Mains, subject-wise topics, marks, time, negative marking and the minimum qualifying marks — so that you can plan your preparation exactly as per the official notification.
JK Bank PO Syllabus 2026: Overview
| Particulars | Details |
| Organisation | Jammu & Kashmir Bank Ltd. (J&K Bank) |
| Post Name | Probationary Officer (PO) — Junior Management Grade Scale-I |
| Advertisement Numbers | JKB/HR/Rectt/2026-492 (PO, J&K) and JKB/HR/Rectt/2026-494 (PO, Ladakh) |
| Total Vacancies (PO) | 343 Posts (J&K: 323; Ladakh: 20) |
| Notification Date | 06 November 2026 |
| Apply Mode | Online only, at jkb.bank.in |
| Application Dates | 07 November to 26 November 2026 |
| Educational Qualification | Graduate in any discipline (held on 26 November 2026) |
| Domicile | UT of J&K only (J&K advertisement); UT of Ladakh only (Ladakh advertisement) |
| Age Limit | 20 to 30 Years (as on 01 January 2026) |
| Application Fee | Rs. 1,200 + GST (Rs. 1,000 + GST for SC / ST / SEBC / PwBD) |
| Selection Process | Preliminary Exam, Mains Exam (Objective + Descriptive), Interview |
| Exam Conducted By | IBPS (online) |
| Salary | Starting Basic Pay Rs. 48,480 per month |
| Official Website | jkbank.com (apply at jkb.bank.in) |
Only domiciles of the same Union Territory as the advertisement can apply — a J&K domicile cannot apply for the Ladakh advertisement, and a Ladakh domicile cannot apply for the J&K advertisement. Selected candidates must submit the domicile certificate, and there is no transfer out of the first-allotted zone for 5 years.
read more; RRC NR Act Apprentice Recruitment 2026 – 4,651 Posts, Apply Online
Salary
A Probationary Officer in J&K Bank starts at a basic pay of Rs. 48,480 per month, in the pay scale 48480-2000/7-62480-2340/2-67160-2680/7-85920, with other perks of Junior Management Grade Scale-I. Dearness Allowance, House Rent Allowance and other allowances are paid on top of the basic pay, as per bank rules.
The probation period is 2 years, and confirmation depends on a qualifying evaluation examination (minimum 40% for General, 35% for reserved categories). The officer signs a Rs. 2 lakh bond for 2 years of service, and must join within 45 days of the provisional appointment letter.
Age Limit
The minimum age is 20 years and the maximum age is 30 years as on 01 January 2026 — candidates must be born between 01 January 1996 and 01 January 2006 (both dates included).
| Category | Age Relaxation (J&K Notices) | Age Relaxation (Ladakh Notices) |
| SC, ST | 5 years | 5 years |
| SEBC | 3 years | 5 years |
| EWS | Nil | Nil |
| PwD / PwBD | 10 years | 10 years |
| Ex-Servicemen | As per rules | As per rules |
Important: The Ladakh Probationary Officer notice alone gives a one-time extra 5 years to all candidates (recruitment years 2025 and 2026), with age capped at 56 years after relaxation. General and EWS candidates get no relaxation in the J&K notices.
Important Dates
| Event | Date |
| Notification Released | 06 November 2026 |
| Online Application Starts | 07 November 2026 |
| Last Date to Apply and Pay Fee | 26 November 2026 |
| Preliminary Exam Date | To be notified separately |
| Mains Exam Date | To be notified separately |
| Interview Date | To be notified separately |
Call letters, exam dates, results and interview dates will be notified separately on the official website. Candidates should keep checking jkb.bank.in after applying.
How to Apply for JK Bank PO Recruitment 2026
Applications are accepted online only, from 07 to 26 November 2026. Pick the advertisement for your UT and your post first, then follow these steps:
- Open the application link from the Careers section of the bank’s official website, jkb.bank.in.
- Choose New Registration, enter your name, contact details and email, and note the Provisional Registration Number and Password.
- Fill the form with Save and Next, then upload your photo (20-50 kb), signature (10-20 kb), left thumb impression (20-50 kb) and handwritten declaration (50-100 kb), and capture a live photo.
- Upload the PDF certificates that apply — 10th, graduation, disability, ex-servicemen or scribe certificate (up to 500 kb each).
- Preview the form, click Complete Registration only after checking everything, then pay the fee online.
- Submit and keep a printout of the e-Receipt and the application form.
Warning: The handwritten declaration and signature must be yours and not in capital letters, or the application is invalid. No change is possible after Complete Registration, and the registration is complete only when the fee is paid.
Application Fee
| Category | Probationary Officer Fee |
| SC, ST, SEBC, PwBD | Rs. 1,000 + GST |
| All others | Rs. 1,200 + GST |
The fee is paid online only, by debit card, credit card, internet banking, IMPS or cash cards / mobile wallets. The fee is not refunded and an application cannot be withdrawn after payment.
Selection Process
The selection for JK Bank PO is done in three stages:
| Stage | Description |
| Stage 1 | Online Preliminary Exam — 100 questions, 100 marks, 60 minutes (qualifying in nature) |
| Stage 2 | Online Mains Exam — Objective (170 questions, 200 marks, 160 minutes) + Descriptive Paper (2 questions, 25 marks, 30 minutes) |
| Stage 3 | Interview — 100 marks |
Final merit is Mains and Interview in the ratio 80:20. Candidates equal to 10 times the vacancies in each category are shortlisted for the Mains, and 3 times the vacancies are called for the interview, on Mains marks only.
JK Bank PO Prelims Exam Pattern 2026
| Subject | Questions | Marks | Time |
| English Language | 30 | 30 | 20 minutes |
| Quantitative Aptitude | 35 | 30 | 20 minutes |
| Reasoning Ability | 35 | 40 | 20 minutes |
| Total | 100 | 100 | 60 minutes |
Each section has its own time limit of 20 minutes. There is negative marking of 1/4th mark for every wrong answer in the objective tests; blank answers carry no penalty. You must clear each Preliminary test, and the aggregate minimum in the Preliminary exam is 40% for General and 35% for reserved categories.
JK Bank PO Mains Exam Pattern 2026
| Subject | Questions | Marks | Time |
| Reasoning | 40 | 60 | 45 minutes |
| General / Economy / Banking Awareness, Digital / Financial Awareness including RBI Circulars | 50 | 60 | 35 minutes |
| English Language | 40 | 20 | 35 minutes |
| Data Analysis and Interpretation | 40 | 60 | 45 minutes |
| Total (Objective) | 170 | 200 | 160 minutes |
| Descriptive Paper (Essay and Comprehension) | 2 | 25 | 30 minutes |
| Mains Total | 172 | 225 | 190 minutes |
The aggregate minimum in the Mains exam is also 40% for General and 35% for reserved categories. The Interview is for 100 marks, with a minimum of 40% (35% for reserved categories).
JK Bank PO Prelims Syllabus 2026
English Language: Reading Comprehension, Cloze Test, Fill in the Blanks, Error Spotting, Sentence Correction and Improvement, Para Jumbles, Vocabulary (Synonyms and Antonyms), Spelling, Idioms and Phrases, Sentence Completion.
Quantitative Aptitude: Simplification and Approximation, Number Series, Data Interpretation, Quadratic Equations, Percentage, Ratio and Proportion, Average, Simple and Compound Interest, Profit and Loss, Time, Speed and Distance, Time and Work, Probability, Permutation and Combination, Mensuration, Mixture and Alligation.
Reasoning Ability: Puzzles and Seating Arrangement, Syllogism, Coding-Decoding, Blood Relations, Direction Sense, Inequality, Alphanumeric Series, Order and Ranking, Input-Output, Data Sufficiency, Statement and Arguments, Statement and Assumptions.
read more; WB Police Constable Recruitment 2026 – 11,749 Vacancies
JK Bank PO Mains Syllabus 2026
Reasoning: All Prelims reasoning topics at a higher level, plus Puzzles of higher difficulty, Seating Arrangement (circular, linear and floor-based), Machine Input-Output, Critical Reasoning and Data Sufficiency.
General / Economy / Banking Awareness, Digital / Financial Awareness: Current Affairs of the last 6 months, Banking and Financial Awareness, RBI — functions, monetary policy, repo rate and recent circulars, Indian Economy, Union Budget and Economic Survey, Government Schemes, Static GK, Digital and Financial Awareness — UPI, digital payments and banking technology.
English Language: Same topics as Prelims at a higher level, with more weight on Reading Comprehension, Cloze Test and Error Detection.
Data Analysis and Interpretation: Tables, Bar Charts, Line Graphs, Pie Charts, Caselets, Missing Data Interpretation, Probability and Data Sufficiency.
Descriptive Paper (Essay and Comprehension): Essay writing on banking, economy and current topics, and reading comprehension with questions. Practice writing short essays in clear, simple English within the time limit.
Preparation Tips for JK Bank PO 2026
- Clear Prelims first: Prelims is qualifying, but you must clear each section and the 40% aggregate (35% for reserved categories). Do not ignore any section.
- Give more time to Mains: Only Mains marks (80%) and Interview marks (20%) decide the final merit, so Data Analysis, Reasoning and Banking Awareness deserve the most practice.
- Read RBI circulars and banking news daily: The Mains awareness section clearly mentions RBI circulars and Digital / Financial Awareness — this is where many candidates lose marks.
- Practice sectional timing: Each section has a fixed time limit, so practice with a timer — especially the 35-minute awareness section with 50 questions.
- Do not guess blindly: There is 1/4th negative marking, so avoid random guessing in questions you have no idea about.
Documents Required
Keep these documents ready before you apply, and keep the originals ready for the interview stage:
- Domicile Certificate of UT of J&K or UT of Ladakh (as per the advertisement)
- Graduation Degree Certificate and Marksheet (held on 26 November 2026)
- Class 10 Certificate and Marksheet
- Category Certificate — SC / ST / SEBC / EWS / PwBD, if applicable
- Photo ID Proof — Aadhaar Card or any valid government ID
- Passport Size Photograph, Signature, Left Thumb Impression and Handwritten Declaration
- No Objection Certificate from the employer, if you are a government employee (at the interview)
About J&K Bank
Jammu & Kashmir Bank Ltd., headquartered in Srinagar, is one of the oldest private sector banks in India, working in Jammu, Kashmir and Ladakh since 1938. It conducts its Probationary Officer and Banking Associate recruitments through IBPS, with online examinations.
In this 2026 drive the bank has notified 1,397 posts in total — Probationary Officer (J&K 323, Ladakh 20) and Banking Associate (J&K 1,033, Ladakh 21) — through four separate advertisements. This article covers the Probationary Officer syllabus and exam pattern.
read more; VNMKV Recruitment 2026 – 6 Posts, Rs 1,25,000 Salary, Apply Offline
Common Mistakes to Avoid
- Applying for the wrong UT: J&K domiciles can apply only for the J&K advertisement, and Ladakh domiciles only for the Ladakh advertisement.
- Capital-letter declaration: The handwritten declaration and signature must be yours and not in capital letters, or the application is invalid.
- Waiting for the last date: The portal can slow down on 26 November 2026. Apply early and pay the fee the same day.
- Ignoring the descriptive paper: The Mains has a 25-mark descriptive paper (essay and comprehension) — practice writing, do not leave it for the last day.
- Trusting old exam patterns: The 2026 Mains pattern is 170 objective questions (200 marks) plus descriptive — do not prepare from the old 190-question pattern.
- Missing the graduation cut-off: Your graduation certificate must be valid on 26 November 2026. A result still awaited on that date does not qualify.
Important Links
| Apply Online for JK Bank PO Recruitment 2026 | Click Here |
| J&K Bank Official Website | Click Here |
Note: The detailed notification (Advertisement Nos. JKB/HR/Rectt/2026-492 and 2026-494) is available in the Careers section of jkb.bank.in. Read it fully before applying, and check the same website for admit cards and exam dates.
Frequently Asked Questions
What is the JK Bank PO Syllabus 2026?
The JK Bank PO syllabus has Prelims (English Language, Quantitative Aptitude, Reasoning Ability — 100 marks, 60 minutes) and Mains (Reasoning, General / Economy / Banking Awareness including RBI Circulars, English Language, Data Analysis and Interpretation — 200 marks, plus a 25-mark descriptive paper), followed by an interview of 100 marks.
How many vacancies are there in JK Bank PO Recruitment 2026?
There are 343 Probationary Officer posts — 323 in the UT of J&K and 20 in the UT of Ladakh. The bank has also notified 1,033 Banking Associate posts in J&K and 21 in Ladakh.
What is the last date to apply for JK Bank PO 2026?
The last date to apply online and pay the fee is 26 November 2026. Online applications started on 07 November 2026 on jkb.bank.in.
What is the age limit for JK Bank PO 2026?
The age limit is 20 to 30 years as on 01 January 2026. SC/ST candidates get 5 years relaxation, SEBC 3 years (5 years in Ladakh) and PwD 10 years, as per rules.
What is the qualification for JK Bank PO 2026?
Candidates must be graduates in any discipline from a recognised university, holding the degree on 26 November 2026, and must hold the domicile certificate of the UT named in the advertisement (J&K or Ladakh).
What is the salary of a JK Bank PO?
A JK Bank Probationary Officer starts at a basic pay of Rs. 48,480 per month, in the scale 48480-2000/7-62480-2340/2-67160-2680/7-85920, with allowances of Junior Management Grade Scale-I.
Is there negative marking in JK Bank PO exam?
Yes. There is a penalty of one fourth of the marks for every wrong answer in the objective tests. Blank answers carry no penalty.
What is the selection process for JK Bank PO 2026?
Selection is done through an online Preliminary exam, an online Mains exam (objective plus descriptive) and an interview. The final merit is Mains and Interview in the ratio 80:20.
What is the minimum qualifying marks for JK Bank PO 2026?
The aggregate minimum in Preliminary and in Mains is 40% for General category and 35% for reserved categories. The interview minimum is also 40% (35% for reserved categories).
Where can I check the JK Bank PO exam date and admit card?
Exam dates, call letters, results and interview dates will be notified separately on the official website jkb.bank.in and on jkbank.com. Check these websites regularly after applying.
3 thoughts on “JK Bank PO Syllabus 2026 – Prelims & Mains Exam Pattern <span style="background:#198754;color:#fff;padding:3px 7px;border-radius:4px;font-size:11px;font-weight:600;">OPEN</span>”