Jammu & Kashmir Bank Savings Account

Jammu & Kashmir bank offers an interest rate of 2.75% per annum with effect from 11th August 2025.

(Rates Updated on 8th December 2025)

Read More: Best Savings Account Interest Rates 2025

Jammu & Kashmir Bank offers below-mentioned savings accounts:

General Savings Account	General Small Account
General Salary Account	Deluxe Savings Account
Deluxe Salary Account	Basic Saving Deposit
Student Savings Account	Saving Account – Government Departments
Premium Savings Account	Pink Savings Scheme

General Savings Account

• Free 30 cash withdrawals per half year from the counter
• The account holder will get free net banking and mobile banking facility
• An International debit card is issued with an ATM withdrawal limit of Rs. 40,000 and POS limit of Rs. 1,00,000
• 20 cheque leaves are provided for free per year
• The account holder needs to maintain a minimum average monthly balance of Rs. 1,000

General Small Account

Jammu & Kashmir Bank offers General Small Account to individuals who do not hold any savings account and ensure financial inclusion for all. This savings account provides banking services to all segments of society. This savings account offers below-mentioned features and benefits:

• The account can be opened with an initial deposit of Rs. 50
• The maximum balance in the account should not exceed Rs. 50,000
• Maximum credits of Rs. 1,00,000 are allowed in a year
• Aggregate of withdrawals and transfers should not exceed Rs. 10,000
• Nomination facility is available

General Salary Account

Jammu & Kashmir Bank offers General Salary Account for salaried individuals belonging to State/Central Government, Public Sector Undertakings, Autonomous Bodies and reputed private institutions. This savings account offers below-mentioned features:

• There is no need to maintain average monthly balance
• Nomination facility is available
• An International debit card is provided with an ATM withdrawal limit of Rs. 40,000 and POS limit of Rs. 1,00,000
• 20 cheque leaves are provided for free per year. However, senior citizen will get 25 cheque leaves a year

Deluxe Savings Account

• An International debit card is issued with an ATM withdrawal limit of Rs. 1,00,000 and POS limit of Rs. 1,50,000 per day
• The account holder needs to maintain an average monthly balance of Rs. 5,000
• Nomination facility is available

Deluxe Salary Account

• 30 free cash withdrawals per half year over the counter are provided
• An International debit card with an ATM withdrawal limit of Rs. 1,00,000 and POS limit of Rs. 1,50,000 is issued
• Free net banking and mobile banking facility
• Account holder needs to maintain an average monthly balance of Rs. 5,000

Basic Saving Deposit

Jammu & Kashmir Bank offers Basic Savings Bank Deposit Account with all basic banking facilities to the weaker sections of society. This savings account offers below-mentioned features and benefits:

• The account can be opened with an initial deposit of Rs. 50
• There is no need to maintain minimum balance in this savings account
• A debit card is issued for free
• 20 cheque leaves a year are provided for free
• Internet banking and SMS facility are provided for free
• The account holder can do maximum 4 withdrawals in a month including ATM withdrawals

It is to be noted that individuals can only apply for this savings account if they do not hold any other savings account with the bank. If the individual holds any other existing savings account then he/she will have to close that account within 30 days from the date of opening ‘Basic Savings Bank Deposit Account’.

Student Savings Bank Account

Jammu & Kashmir Bank offers Student Savings Bank Account to students. This savings account aims to provide basic banking facilities to especially students drawing scholarships under Government sponsored poverty alleviation programmes. This savings account offers the below-mentioned features and benefits:

• The account can be opened with an initial deposit of Rs. 50 or above
• No need to maintain any minimum balance
• A debit card is issued for free with no annual usage charges
• Free net banking and SMS banking facility is provided
• The account holder can make maximum of 4 withdrawals in a month including ATM withdrawals
• Nomination facility is provided
• This savings account will be converted to a General Savings Bank Account after the student completes his/her studies or when the student attains the age of 28 years whichever is earlier

Savings Bank Account – Government Departments

• There is no need to maintain an average monthly balance
• Free net banking and mobile banking facility
• No charges will be levied in account having zero balance

Premium Savings Account

• The account holder needs to maintain an average monthly balance of Rs. 1,00,000
• Gold debit card is provided for free with cash withdrawal limit of Rs. 75,000 and POS limit of Rs. 1,50,000 per day
• RTGS and NEFT facility is provided for free
• 200 cheque leaves a year are provided for free
• Free SMS and email facility
• Free accidental insurance cover of Rs. 5,00,000

Pink Savings Scheme

Jammu & Kashmir Bank Savings Scheme offers banking facilities to women. This savings account comes in four variants. Let us discuss about the variants in detail.

J & K Bank Pink Platinum Saving Scheme for Women

• The account holder needs to maintain an average monthly balance of Rs. 5,00,000
• Free 5 cash withdrawals per month at business unit
• Gold debit card is issued with cash withdrawal limit of Rs. 1,00,000 and POS limit of Rs. 2,00,000 per day
• Cheque book is provided for free

J & K Bank Pink Gold Saving Scheme for Women

• The account holder needs to maintain an average monthly balance of Rs. 1,00,000
• Free 5 cash withdrawals per month at business unit
• Gold debit card is issued with cash withdrawal limit of Rs. 50,000 and POS limit of Rs. 1,50,000 per day
• 200 cheque leaves per annum are provided for free

J & K Bank Pink Silver Saving Scheme for Women

• The account holder needs to maintain an average monthly balance of Rs. 25,000
• Free 5 cash withdrawals per month at business unit
• Gold debit card is issued with cash withdrawal limit of Rs. 50,000 and POS limit of Rs. 1,50,000 per day
• 50 cheque leaves per annum are provided for free

J & K Bank Pink Silver Saving Salary Scheme for Women

• The account holder needs to maintain an average monthly balance of Rs. 25,000
• Free 5 cash withdrawals per month at business unit
• Overdraft facility is also available
• Gold debit card is issued with cash withdrawal limit of Rs. 50,000 and POS limit of Rs. 1,50,000
• 50 cheque leaves per annum are provided for free

Applicants need to produce the below-mentioned documents to open a savings account in Jammu & Kashmir Bank:

• Duly filled application form
• 2 photographs of the account holder
• Officially valid documents as per KYC norms
• PAN card/form 60 or 61
• Any other document applicable to minors, etc
• Identity proof
• Proof of address

Along with the above-mentioned documents, the applicants need to produce the below-mentioned documents for the said savings accounts:

Account Type	Documents Required
General Salary Account	Identity proof issued by the employer Authorization and introduction from the concerned DDO (Drawing disbursing officer)
Student Savings Bank Account	Documents that are applicable to minor accounts, wherever applicable
Savings Bank Account – Government Departments	TAN no of the organization if applicable

To be eligible to open a savings account in Jammu & Kashmir Bank, the applicant needs to fullfill the below-mentioned eligibility criteria:

• Should be a resident individual (sole or joint account)
• Hindu undivided families
• Minors who are above the age of 10 years are eligible to open self-operated minor accounts

Along with the above-mentioned eligibility criteria, applicants need to fullfill the below-mentioned eligibility criteria for said accounts:

Account Type	Eligibility Criteria
General Small Account	Pensioners More than one person in their joint name Minors who are literate and are above 10 years of age
General Salary Account	Employees of State/Central Government, Public Sector Undertakings, Autonomous Bodies & reputed Private Institutions
Deluxe Salary Account	Employees of State/Central Government, Public Sector Undertakings, Autonomous Bodies & reputed Private Institutions
Student Savings Bank Account	Account holder should be a student
Basic Savings Bank Deposit Account	Unemployed youth, students, housewives, small shopkeepers, vendors, artisans etc
Saving Bank Account – Government Departments	All central/state government departments and other government Undertakings/Corporations exclusively banking with the bank
Pink Savings Scheme	Women aged 18 to 65 years

To open an offline savings account in Jammu & Kashmir Bank, the applicant needs to follow the below-mentioned steps:

Step 1: Visit Jammu and Kashmir Bank’s nearest branch and fill out the saving account application form

Step 2:  Mention all the basic details as asked in the application form

Step 3: Provide your self-attested PAN and Aadhaar card

Step 4: Choose the type of savings account you want to open with the bank as per your requirements

Step 5: Collate all your documents and submit the documents with your proof of identity

Step 6: Once you provide all your details, the bank will verify the details and open your account

The bank will provide you a welcome kit which will contain all other necessary documents to help you operate the account

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Q. Whom can I contact in case of debit card related issues in Jammu & Kashmir Bank?

Ans. You can call the customer service at 1800 890 2122 for concerns related to debit card in Jammu and Kashmir Bank.

Q. What are the charges to reset net banking password in Jammu & Kashmir Bank?

Ans. The bank charges Rs. 30 + applicable GST to reset net banking password.

Q. How can I contact customer service centre of Jammu & Kashmir Bank for general queries?

Ans. You can call the customer service centre of Jammu & Kashmir Bank at 1800 890 2122 or 0194-2481999.

Q. Are there any charges to avail UPI services in Jammu & Kashmir Bank?

Ans. No. Jammu & Kashmir Bank does not levy any charges to avail UPI services.

Note: The information on this page may not be updated. Kindly refer to the bank website to check the latest information.