J&K Bank Clerk Syllabus 2026 is out with the official notification. Jammu & Kashmir Bank Limited has released the syllabus and exam pattern for 1,054 Banking Associate (Clerk) posts, under Notification No. JKB/HR/Rectt/2026-493, dated 07 November 2026. The selection is done through a single online examination of 100 questions for 100 marks in 60 minutes, conducted by IBPS. Online applications started on 07 November 2026 and will close on 26 November 2026. Graduates aged 20 to 30 years who are domiciles of Jammu & Kashmir or Ladakh can apply online at jkb.bank.in.
The online examination has three sections – English Language with 30 questions, Quantitative Aptitude with 35 questions, and Reasoning Ability with 35 questions. There is negative marking of one-fourth mark for every wrong answer, and candidates must clear the sectional cut-off as well as the overall cut-off. The minimum qualifying marks are 40% for general category candidates and 35% for reserved category candidates. The examination date has not been announced yet. In this article, you will find the complete section-wise syllabus, exam pattern, important dates, vacancy details, eligibility, fee, salary, and answers to the most asked questions about J&K Bank Clerk Syllabus 2026.
J&K Bank Clerk Syllabus 2026 – Overview |
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| J&K Bank Clerk (Banking Associate) Syllabus 2026 | 1,054 Posts | Notification No. JKB/HR/Rectt/2026-493 dated 07 November 2026 | Single Online Exam of 100 Marks by IBPS | |
| visit for latest job firstjob24.com | |
| Particulars | Details |
| Organisation | Jammu & Kashmir Bank Limited |
| Notification Number | JKB/HR/Rectt/2026-493 |
| Post Name | Banking Associate (Clerk) |
| Total Vacancies | 1,054 Posts (1,033 in J&K + 21 in Ladakh) |
| Notification Date | 07 November 2026 |
| Apply Mode | Online Only, through the Careers section of jkb.bank.in |
| Apply Start Date | 07 November 2026 |
| Last Date to Apply | 26 November 2026 |
| Qualification | Graduation in Any Discipline |
| Age Limit | 20 to 30 Years (as on 01 January 2026) |
| Application Fee | Rs. 600 + GST (SC/ST/SEBC/PwBD/ESM); Rs. 800 + GST (All Others) |
| Exam Pattern | Single Online Exam – 100 Questions, 100 Marks, 60 Minutes (by IBPS) |
| Selection Process | Online Examination and Document Verification (No Interview) |
| Starting Basic Pay | Rs. 24,050 per month |
| Job Location | Jammu & Kashmir and Ladakh |
| Official Website | jkb.bank.in |
J&K Bank Clerk Syllabus 2026 – Quick Summary (In Simple Words)Jammu & Kashmir Bank needs 1,054 Banking Associates (Clerks) – 1,033 in Jammu & Kashmir and 21 in Ladakh. Any graduate can apply, but only candidates who are domiciles of J&K or Ladakh are eligible, and a valid domicile certificate is compulsory. The age limit is 20 to 30 years as on 01 January 2026. Selection is done through a single online examination only – there is no Prelims, no Mains and no interview for the Clerk post. The exam has three sections – English Language, Quantitative Aptitude and Reasoning Ability – with 100 questions for 100 marks in 60 minutes. A Clerk starts at a basic pay of Rs. 24,050 per month, with a probation period of six months. You can apply online only, from 07 November to 26 November 2026, through the Careers section of jkb.bank.in. Read the official notification carefully before you apply, because the exam date has not been announced yet. |
| Download Links | |
| Apply Online for J&K Bank Clerk Recruitment 2026 – Click Here | |
| Download J&K Bank Clerk Syllabus 2026 Notification PDF – Click Here | |
| J&K Bank Official Website (Careers Section) – Click Here |
J&K Bank Clerk Syllabus 2026 – Important Dates |
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| Event | Date |
| Notification Published | 07 November 2026 |
| Online Application Starts | 07 November 2026 |
| Last Date to Apply Online | 26 November 2026 |
| Last Date for Fee Payment | 26 November 2026 |
| Admit Card (Call Letter) | To Be Announced |
| Online Exam Date | To Be Announced |
| Result Date | To Be Announced |
J&K Bank Clerk Recruitment 2026 – Vacancy DetailsA total of 1,054 Banking Associate (Clerk) posts are available – 1,033 in the Union Territory of Jammu & Kashmir and 21 in the Union Territory of Ladakh. The bank has released separate notifications for J&K and Ladakh, so apply under the notification of the Union Territory where you hold domicile. The detailed category-wise vacancy counts are not separately given in the notifications; reservation will apply as per the rules of the respective Union Territory. |
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| Union Territory | Clerk Vacancies |
| Jammu & Kashmir | 1,033 |
| Ladakh | 21 |
| Total | 1,054 |
| In the same drive, the bank has also announced 343 Probationary Officer posts (323 in J&K + 20 in Ladakh). The total vacancies in this drive are 1,397. | |
Reservation for J&K Bank Clerk Posts (J&K)Reservation for the J&K posts is given as per the Union Territory of Jammu & Kashmir Reservation Rules, 2005, as amended from time to time, and S.O. 176 dated 15 March 2024 of the Social Welfare Department. |
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| Category | Reservation |
| Scheduled Castes (SC) | 8% |
| Scheduled Tribes (ST) | 20% (ST-1: 10%, ST-2: 10%) |
| Other Backward Classes (OBC) | 8% |
| Residents of Areas Adjoining Line of Actual Control / International Border (ALC/IB) | 4% |
| Residents of Backward Areas (RBA) | 10% |
| Economically Weaker Sections (EWS) | 10% |
| Ex-Servicemen (ESM) | 6% (Horizontal Reservation) |
| Persons with Benchmark Disabilities (PwBD) | 4% (Horizontal Reservation) |
J&K Bank Clerk Exam Pattern 2026The Clerk examination is a single online examination conducted by IBPS. There is no Prelims and no Mains for the Banking Associate post – Prelims, Mains and Interview are only for the Probationary Officer post. Each of the three sections is separately timed for 20 minutes. |
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| Section | 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 |
| The medium of the examination is English. Candidates must qualify in each of the three sections by securing the cut-off marks decided by IBPS in concurrence with J&K Bank. The bank reserves the right to modify the structure of the examination, which will be informed through its website. | |||
English Language Syllabus – J&K Bank Clerk 2026The official notification prescribes the exam structure – three sections, 100 questions and 100 marks. The topics below are the standard topics covered in the English Language section of this online examination. This section has 30 questions for 30 marks. |
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| Topic | What to Prepare |
| Reading Comprehension | Passage-based questions, vocabulary in context, inference questions |
| Cloze Test | Fill in the blanks in a passage with the correct words |
| Error Spotting | Find the grammatical error in a sentence |
| Fill in the Blanks | Single and double blank questions |
| Para Jumbles | Rearrange jumbled sentences in the correct order |
| Sentence Improvement | Choose the correct phrase to improve a sentence |
| Vocabulary | Synonyms, Antonyms, One Word Substitution |
| Spelling and Idioms | Correct spelling, Idioms and Phrases |
Quantitative Aptitude Syllabus – J&K Bank Clerk 2026This section has 35 questions for 30 marks. The topics below are the standard topics covered in the Quantitative Aptitude section of this online examination. |
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| Topic | What to Prepare |
| Simplification and Approximation | BODMAS, square and cube roots, approximate values |
| Number Series | Missing number and wrong number series |
| Data Interpretation | Tables, Bar Graphs, Pie Charts, Line Graphs |
| Quadratic Equations | Compare the roots of two equations |
| Percentage, Ratio and Average | Percentage problems, ratio-proportion, averages |
| Interest, Profit and Loss | Simple and Compound Interest, Profit, Loss and Discount |
| Time, Work and Speed | Time and Work, Pipes and Cisterns, Time, Speed and Distance, Boats and Streams |
| Mensuration and Probability | Area, Volume, Probability, Permutation and Combination, Mixture and Alligation |
Reasoning Ability Syllabus – J&K Bank Clerk 2026This section has 35 questions for 40 marks – the highest marks per question in this examination. The topics below are the standard topics covered in the Reasoning Ability section of this online examination. |
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| Topic | What to Prepare |
| Puzzles and Seating Arrangement | Floor puzzles, box puzzles, linear and circular seating |
| Syllogism | Statements and conclusions, possibility cases |
| Blood Relations | Coded and direct blood relation questions |
| Direction Sense | Distance and direction-based questions |
| Coding-Decoding | Letter, number and symbol coding |
| Inequality | Coded and direct inequalities |
| Alphanumeric Series | Letter, number and symbol series |
| Order, Ranking and Data Sufficiency | Rank from top or bottom, sufficiency of statements |
| Input-Output and Logical Reasoning | Machine input-output, statement and assumption, cause and effect |
Qualifying Marks and Negative Marking – J&K Bank Clerk 2026 |
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| Rule | Details |
| Negative Marking | One-fourth (1/4th) of the marks assigned to a question is deducted for every wrong answer. No penalty for a question left blank. |
| Sectional Cut-off | Candidates must obtain the minimum score in each of the three tests. Cut-offs are decided by IBPS in concurrence with J&K Bank. |
| Overall Cut-off | Cut-offs are applied in two stages – on scores in individual tests, and on the total score. |
| Minimum Aggregate Qualifying Marks (General) | 40% |
| Minimum Aggregate Qualifying Marks (Reserved Categories) | 35% |
| Score Calculation | Corrected scores are equated across sessions to adjust for differences in difficulty. Test-wise and total scores are reported up to two decimal places. |
| Only the marks obtained in the online examination will be considered for shortlisting and provisional selection, subject to fulfilment of all other selection parameters. | |
Eligibility Criteria – J&K Bank Clerk Recruitment 2026 |
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| Condition | Requirement |
| Domicile | Only domiciles of the UT of J&K can apply under the J&K notification (and only domiciles of the UT of Ladakh under the Ladakh notification). A valid domicile certificate from the competent authority is compulsory. |
| Age Limit (as on 01 January 2026) | Minimum 20 years, Maximum 30 years – born not earlier than 01.01.1996 and not later than 01.01.2006 (both dates inclusive) |
| Age Relaxation | SC/ST – 5 years; SEBC (OBC) – 3 years; ALC/IB – 3 years; PwBD – 10 years; EWS – Nil. J&K Bank apprentices who completed apprenticeship training get 1 additional year. |
| Educational Qualification | Graduation in any discipline from a university recognised by the Government of India, or an equivalent qualification recognised by the Central Government / UGC, as on the last date of registration (26 November 2026). The graduation percentage must be entered in the online form. |
| Character Declaration | Candidates must give a self-declaration of character and antecedents in the prescribed format. |
Application Fee – J&K Bank Clerk Recruitment 2026 |
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| Category | Application Fee |
| SC / ST / SEBC / PwBD / Ex-Servicemen | Rs. 600 + GST |
| All Other Candidates | Rs. 800 + GST |
| The fee must be paid online only, from 07 November to 26 November 2026, by Debit Card, Credit Card, Internet Banking, IMPS, Cash Card or Mobile Wallet. Bank transaction charges are to be borne by the candidate. The fee is non-refundable. | |
Salary and Probation – J&K Bank Clerk 2026 |
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| Particulars | Details |
| Starting Basic Pay | Rs. 24,050 per month |
| Pay Scale | Rs. 24,050 – 1,340/3 – 28,070 – 1,650/3 – 33,020 – 2,000/4 – 41,020 – 2,340/7 – 57,400 – 4,400/1 – 61,800 – 2,680 – 64,480, plus other perks applicable to the Banking Associate cadre |
| Probation Period | 6 months (can be extended by up to 3 months at the discretion of the competent authority) |
| Joining Time | Selected candidates must join within 45 days |
| Posting Condition | Selected candidates must remain posted in the zone initially allotted to them for a minimum of 5 years. No transfer outside the zone is allowed before that period. |
Selection Process – J&K Bank Clerk Recruitment 2026 |
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| Stage | Details |
| Stage 1 – Online Examination | Single online examination of 100 marks, conducted by IBPS. Candidates must clear the sectional cut-off and the overall cut-off. |
| Stage 2 – Document Verification | Shortlisted candidates must produce original documents – identity proof, category, domicile, age and educational qualification certificates – before the provisional appointment letter is issued. |
| Stage 3 – Medical Examination | Final appointment is subject to medical fitness as per the bank’s rules. |
| There is no interview for the Banking Associate (Clerk) post. Final selection is based on the marks in the online examination, subject to reservation rules. Apprentices who successfully completed apprenticeship training with J&K Bank get additional marks equal to 2.5% of the maximum marks in the online examination, plus 1 year of age relaxation. | |
Exam Centres – J&K Bank Clerk Exam 2026Candidates must give a choice of six centres, out of which at least three centres must be outside the UT of J&K. The bank may allot a centre other than the ones opted for. No request for change of centre, venue, date or session will be entertained. |
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| Within J&K-UT | Outside J&K-UT |
| Pulwama, Jammu, Srinagar, Baramulla, Samba | Delhi NCR, Patiala, Mohali, Phagwara, Amritsar, Pathankot, Jalandhar, Bengaluru, Ludhiana (and others if needed) |
How to Apply Online for J&K Bank Clerk Recruitment 2026 – Step by Step |
| Step 1: Visit the official website of Jammu & Kashmir Bank at jkb.bank.in and open the Careers section. |
| Step 2: Open the notification for Recruitment of Banking Associates for your Union Territory (J&K or Ladakh) and click on “APPLY ONLINE”. |
| Step 3: Click on “Click here for New Registration” and enter your name, contact details and email ID. Note down the Provisional Registration Number and Password generated by the system. |
| Step 4: Upload your photograph (4.5 cm x 3.5 cm), signature in black ink, left thumb impression and handwritten declaration in English, as per the given specifications. Signature in CAPITAL LETTERS will not be accepted. |
| Step 5: Fill in your personal, educational, domicile and category details, and your graduation percentage. Preview the full form and correct any mistake before final submission, because no change is allowed after clicking on “COMPLETE REGISTRATION”. |
| Step 6: Pay the application fee online (Rs. 600 + GST for SC/ST/SEBC/PwBD/ESM, Rs. 800 + GST for all others) and click on “Submit”. Save the e-Receipt and the confirmation for future reference. |
Preparation Tips – J&K Bank Clerk Exam 2026 |
| Tip 1: Reasoning Ability carries the most marks – 40 marks for 35 questions – so give it the most practice time, especially puzzles and seating arrangement. |
| Tip 2: Each section is separately timed for 20 minutes, so practise with a timer and do not leave any section for the last minute. |
| Tip 3: There is negative marking of one-fourth mark for every wrong answer, so avoid blind guessing – attempt only the questions you are reasonably sure about. |
| Tip 4: You must clear the sectional cut-off in all three sections, so do not ignore English – it has 30 questions and can decide your selection. |
| Tip 5: Keep your domicile certificate, graduation mark sheet and category certificate ready before the last date, 26 November 2026, and check jkb.bank.in regularly for the exam date and call letter. |
Important Links for J&K Bank Clerk Syllabus 2026 |
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| Download J&K Bank Clerk Notification 2026 PDF | Click Here |
| Apply Online for J&K Bank Clerk Recruitment 2026 | Click Here |
| J&K Bank Official Website | Click Here |
| J&K Bank PO Recruitment 2026 (First Job 24) | Click Here |
| First Job 24 – Home Page | Click Here |
| Join First Job 24 Telegram Channel | Click Here |
| Join First Job 24 WhatsApp Channel | Click Here |
| First Job 24 YouTube Channel | Click Here |
FAQs – J&K Bank Clerk Syllabus 2026 |
| Q1. What is the J&K Bank Clerk Syllabus 2026? The J&K Bank Clerk (Banking Associate) examination has three sections – English Language (30 questions, 30 marks), Quantitative Aptitude (35 questions, 30 marks) and Reasoning Ability (35 questions, 40 marks). The total is 100 questions for 100 marks in 60 minutes, and each section is separately timed for 20 minutes. |
| Q2. Is there a Prelims and Mains exam for J&K Bank Clerk? No. The Clerk post has a single online examination only. Prelims, Mains and Interview are only for the Probationary Officer post. Clerk candidates are selected on the marks of this one online examination, followed by document verification. |
| Q3. What is the negative marking in the J&K Bank Clerk exam? For every wrong answer, one-fourth (1/4th) of the marks assigned to that question is deducted. If a question is left blank, there is no penalty for that question. |
| Q4. What are the qualifying marks for the J&K Bank Clerk exam? Candidates must clear the sectional cut-off in each of the three sections and the overall cut-off on the total score. The minimum aggregate qualifying marks are 40% for general category candidates and 35% for reserved category candidates. |
| Q5. How many vacancies are there in J&K Bank Clerk Recruitment 2026? There are 1,054 Banking Associate (Clerk) vacancies – 1,033 in Jammu & Kashmir and 21 in Ladakh. In the same drive, 343 Probationary Officer posts are also announced, taking the total to 1,397 posts. |
| Q6. What is the last date to apply for J&K Bank Clerk Recruitment 2026? The last date to apply online and pay the fee is 26 November 2026. The application fee is Rs. 600 + GST for SC/ST/SEBC/PwBD/ESM candidates and Rs. 800 + GST for all other candidates. |
| Q7. What is the age limit and qualification for J&K Bank Clerk? Candidates must be 20 to 30 years old as on 01 January 2026 and must hold a graduation degree in any discipline as on 26 November 2026. Only domiciles of the UT of J&K or Ladakh can apply under the respective notification. |
| Q8. When will the J&K Bank Clerk exam be held? The examination date has not been announced yet. The notification says the call letter, examination and result dates will be notified separately. Candidates should check the Careers section of jkb.bank.in regularly. |
| Q9. Is there an interview for the J&K Bank Clerk post? No, there is no interview for the Banking Associate (Clerk) post. Selection is based on the marks in the online examination, followed by document verification and medical examination. |
| Q10. What is the salary of a J&K Bank Clerk? A Banking Associate starts at a basic pay of Rs. 24,050 per month, in the pay scale of Rs. 24,050 to Rs. 64,480, plus other perks applicable to the cadre. The probation period is six months. |
