Jammu & Kashmir Bank Ltd. has released the Probationary Officer (PO) recruitment 2026 for 323 posts in the UT of J&K and 20 posts in the UT of Ladakh, with online applications open from 07 November to 26 November 2026. The examinations are conducted by IBPS, and the exam dates will be notified separately.
Please read this first: the official JK Bank PO Cut Off 2026 has not been released yet, because the Preliminary and Mains exams have not been held. The cut-off is declared only after the exam, along with the result. This article gives what is actually available right now — the minimum qualifying marks fixed in the 2026 notification, the previous year cut-off from the last PO exam, the expected cut-off for 2026, and the factors that decide the cut-off — so that you can set a safe target score instead of trusting a fake cut-off list.
JK Bank PO Cut Off 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 |
| Application Dates | 07 November to 26 November 2026 |
| Exam Conducted By | IBPS (online) |
| Selection Process | Preliminary Exam, Mains Exam (Objective + Descriptive), Interview |
| Cut Off 2026 Status | Not released yet — declared only after the exam, with the result |
| Minimum Qualifying Marks (2026) | 40% General, 35% Reserved (Prelims and Mains aggregate) |
| Salary | Starting Basic Pay Rs. 48,480 per month |
| Official Website | jkbank.com (apply at jkb.bank.in) |
The cut-off is not the same as the minimum qualifying marks. The minimum qualifying marks (40% General, 35% reserved) are fixed in the notification and every candidate must cross them. The cut-off is the actual score of the last shortlisted candidate, decided after the exam on the basis of vacancies, the number of candidates and the difficulty of the paper — and it is usually higher than the minimum qualifying marks.
read more; JK Bank PO Syllabus 2026 – Prelims & Mains Exam Pattern
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.
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 |
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.
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 |
| Cut Off 2026 | After the exam, with the result |
Call letters, exam dates, results and cut-off marks 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.
JK Bank PO Cut Off 2026 — Current Status
The official cut-off for JK Bank PO 2026 has not been released. The Preliminary exam has not been held yet, and the cut-off is declared only after the exam, along with the result, on the official website.
What the 2026 notification does fix is the minimum qualifying marks — the lowest score a candidate must get to be considered at all:
| Stage | General Category | Reserved Categories |
| Preliminary Exam (aggregate) | 40% | 35% |
| Mains Exam (aggregate) | 40% | 35% |
| Interview | 40% | 35% |
These are only the minimum marks. The actual cut-off — the score of the last candidate shortlisted — is decided by the bank and IBPS after the exam, and is usually higher than these minimum marks.
JK Bank PO Previous Year Cut Off
The last available cut-off figures are from the JK Bank PO Preliminary exam held in 2019 (the 2018 notification cycle). These are the cut-off marks reported for that exam, out of 100 marks:
| Category | Cut Off Marks (2019 Prelims, out of 100) |
| General (UR) | 60 – 70 |
| Scheduled Castes (SC) | 37 – 47 |
| Scheduled Tribes (ST) | 32 – 37 |
| OBC | 40 – 45 |
Important note about 2019: In that cycle the bank announced a uniform cut-off of 40 marks for the PO Preliminary exam across the state, in relaxation of its policy, after representations from candidates — so all candidates with a score of 40 and above became eligible for the Mains. That was a one-time decision for that cycle, not a rule for 2026.
The 2019 figures are useful only as a rough guide. The 2026 exam has a different vacancy count (343 PO posts), a different reservation structure (60% reserved, 40% open merit in the 1,356-post drive) and a different exam pattern, so the 2026 cut-off will not be the same as 2019.
JK Bank PO Expected Cut Off 2026
Based on the previous year trend and the 2026 exam pattern, the expected cut-off for the JK Bank PO Preliminary exam (out of 100 marks) is:
| Category | Expected Cut Off (Prelims, out of 100) |
| General (UR) | 69 – 74 |
| OBC | 68 – 70 |
| SC | 60 – 68 |
| ST | 60 – 65 |
Please note: These are expected figures, not official. The actual cut-off will be declared by the bank after the exam. Treat the expected cut-off as a target, not a guarantee — aim at least 5-10 marks above it to be safe.
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How the Cut Off Is Decided
The cut-off is decided by the bank together with IBPS, after the exam. These are the main factors:
- Number of vacancies: Only 343 PO posts are available in 2026, so the competition is high and the cut-off stays high.
- Number of candidates: More candidates appearing for the exam pushes the cut-off up.
- Difficulty of the paper: An easy paper raises the cut-off, a difficult paper lowers it.
- Shortlisting ratio: Candidates equal to 10 times the vacancies in each category are shortlisted for the Mains, and 3 times the vacancies for the interview — the cut-off is the score of the last candidate in that list.
- Reservation: Separate cut-offs are fixed for each category (General, SC, ST, SEBC, EWS, PwBD) as per the J&K Reservation Rules, 2005.
- Minimum qualifying marks: No candidate below 40% (General) or 35% (reserved) in aggregate can be shortlisted, whatever the cut-off is.
How to Check JK Bank PO Cut Off 2026
When the cut-off is declared, follow these steps:
- Visit the official website jkb.bank.in or jkbank.com.
- Go to the Careers section and open the Probationary Officer recruitment 2026 page.
- Click on the result / cut-off link for the Preliminary or Mains exam.
- The cut-off PDF will show the category-wise cut-off marks. Download and save it.
Do not trust cut-off lists shared on social media or random websites before the official PDF is out. The bank publishes the cut-off only on its official website.
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 cut-off.
read more; WB Police Constable Recruitment 2026 – 11,749 Vacancies
Common Mistakes to Avoid
- Trusting fake cut-off lists: The official 2026 cut-off is not out yet. Any list claiming to be the “JK Bank PO Cut Off 2026” before the exam is fake.
- Confusing minimum marks with cut-off: 40% (General) and 35% (reserved) are only the minimum qualifying marks — the actual cut-off is usually higher.
- 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.
- 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. The cut-off will also be published on the same website, along with the result.
Frequently Asked Questions
What is the JK Bank PO Cut Off 2026?
The official JK Bank PO Cut Off 2026 has not been released yet, because the Preliminary and Mains exams have not been held. The cut-off is declared only after the exam, along with the result, on jkb.bank.in.
What are 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).
What was the previous year cut off for JK Bank PO?
In the 2019 Preliminary exam, the reported cut-off was General 60-70, SC 37-47, ST 32-37 and OBC 40-45, out of 100 marks. In that cycle the bank also announced a one-time uniform cut-off of 40 marks.
What is the expected cut off for JK Bank PO 2026?
The expected Prelims cut-off (out of 100) is General 69-74, OBC 68-70, SC 60-68 and ST 60-65. These are expected figures, not official — aim 5-10 marks above them to be safe.
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 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.
How is the JK Bank PO cut off decided?
The cut-off is decided by the bank and IBPS after the exam, based on the number of vacancies, the number of candidates, the difficulty of the paper, the shortlisting ratio (10 times the vacancies for Mains, 3 times for interview) and the reservation rules.
Where can I check the JK Bank PO Cut Off 2026?
Check the official websites jkb.bank.in and jkbank.com. The cut-off PDF is published in the Careers section, along with the result, after the exam.