The J&K Bank PO Ladakh recruitment 2026 has 20 Probationary Officer posts that only people with a Ladakh domicile certificate can apply for, and any graduate can fill in the online form until 26.11.2026. A Probationary Officer (PO) is an entry-level bank officer who spends the first two years on probation, which is a trial period. The bank will keep you posted in Ladakh for at least five years, and IBPS, the body that runs most bank exams in India, will conduct the online tests.
⚡ QUICK FACTS
🎓 Eligibility
Graduate + Ladakh domicile
📌 Vacancies
20 Posts
💰 Salary
Basic Rs 48,480 a month
🗓️ Last Date
26.11.2026
✔ Checked against the official notification on 13.11.2026 · Official notice
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Recruitment Overview
| Field | Details |
|---|---|
| Post Name | Probationary Officer (Junior Management Grade Scale-I) |
| Organization | Jammu and Kashmir Bank Ltd., Corporate Headquarters, M.A. Road, Srinagar |
| Notification / Advertisement No. | JKB/HR/Rectt/2026-494 dated 07.11.2026 |
| Location | Ladakh (UT) – only Ladakh domiciles can apply; posting in the Ladakh Zone |
| Total Vacancies | 20 (reservation as per UT of Ladakh rules) |
| Qualification | Graduate in any discipline |
| Age Limit | 20 to 30 years as on 01.01.2026 Check your age eligibility → |
| Selection Process | Online Prelims → Online Mains → Interview |
| Pay Scale | Starting basic Rs 48,480 a month (JMGS-I scale) |
| How to Apply | Apply online only, on the IBPS registration page linked from the bank website |
| Official Notification | Download Notification PDF |
| Official Website / Apply Online | IBPS registration page for J&K Bank |
Important Dates
| Event | Date |
|---|---|
| Notification date | 07.11.2026 |
| Online registration and fee payment start | 07.11.2026 |
| Last date to apply and pay the fee | 26.11.2026 |
| Last date to edit application details (IBPS page) | 26.11.2026 |
| Last date to print your application (IBPS page) | 11.12.2026 |
| Preliminary exam call letter and exam | Not announced yet – will be notified separately |
| Mains exam call letter and exam | Not announced yet – will be notified separately |
| Interview | Not announced yet – will be notified separately |
Application Fee
| Category | Fee (excluding GST) |
|---|---|
| SC, ST, SEBC and PwBD candidates | Rs 1,000 |
| All other candidates | Rs 1,200 |
| Payment mode | Online only: debit or credit card, net banking, IMPS, cash cards or mobile wallets |
| Bank transaction charges | Paid by the candidate |
| Refund | Fee once paid is not refunded |
Vacancy Details
The notice gives the total of 20 posts but does not give a seat-wise breakup for each category. It says reservation follows the Ladakh rules in S.O. 77 dated 27.06.2025, shown below.
| Category | Reservation | Age relaxation |
|---|---|---|
| Scheduled Castes (SC) | 1% | 5 years |
| Scheduled Tribes (ST) | 80% | 5 years |
| SEBC – residents of areas next to the Actual Line of Control (ALC) | 4% | 5 years |
| Economically Weaker Sections (EWS) | 10% | Nil |
| Persons with benchmark disabilities (PwBD) | 4% (horizontal, across categories) | 10 years |
Eligibility Criteria
| Criterion | Detail |
|---|---|
| Domicile | You must be a domicile of the UT of Ladakh. Selected candidates must submit a Ladakh domicile certificate. |
| Age Limit | 20 to 30 years as on 01.01.2026, so you must be born between 01.01.1996 and 01.01.2006 (both dates included). A one-time extra 5-year relaxation for all candidates is explained below. Check your age eligibility → |
| Educational Qualification | A degree in any subject from a university recognised by the Government of India, or an equivalent qualification. You must be a graduate on the last date of registration (26.11.2026) and enter your graduation percentage in the form. |
| Posting condition | Selected candidates must stay in Ladakh Zone branches or offices for at least 5 years. No transfer outside Ladakh is allowed before that. |
| Character declaration | You must give a self-declaration about your character and antecedents (your past record) in the bank’s format. |
| Category | Age relaxation |
|---|---|
| SC, ST and SEBC (ALC residents) | 5 years |
| EWS | Nil |
| PwBD | 10 years |
| One-time special relaxation for all candidates, including UR | 5 extra years for recruitment in 2025 and 2026 (Ladakh GAD Order No. 280-LA(GAD) of 2025 dated 30.06.2025) |
The notice says SC, ST and SEBC relaxation can be added to the PwBD relaxation. It also says the total relaxation cannot take a candidate’s age above 56 years. It does not state the final maximum age for a General candidate after the special 5 years, so read page 3 of the notice if your age is close to the limit.
Not sure whether you are within the age limit?
Enter your date of birth, the cut-off date 01.01.2026 and your category relaxation to see instantly whether you fall inside the 20 to 30 year band.
Open the Age Calculator🧮 CAN I APPLY? THREE QUICK EXAMPLES
- Born 12.08.1999, graduate, Ladakh domicile. On 01.01.2026 this person is 26 years 4 months old, which is inside the 20 to 30 band. ✅ Eligible.
- Born 01.01.2006, graduate by 26.11.2026, Ladakh domicile. On 01.01.2026 this person is exactly 20 years old. The notice includes 01.01.2006 as the last allowed birth date. ✅ Eligible, right on the line.
- Born 02.01.2006, graduate, Ladakh domicile. On 01.01.2026 this person is 19 years 11 months old. ❌ Not eligible, because the minimum age is missed by one day.
These are made-up examples that apply the rules in the table above. Ages are counted on 01.01.2026. They test the lower age limit only, because the notice does not spell out the final upper limit after the special 5 years.
Who Should Apply
- You are a graduate in any subject with a valid Ladakh domicile certificate, and you want an officer-grade job in a bank. The notice lists no minimum percentage, but you must enter your marks in the form.
- You are fine with an online exam run by IBPS. Your final rank comes from the Mains exam and the interview in an 80 to 20 ratio, and your Prelims marks only decide whether you move on.
- Most Ladakh seats are reserved: the notice lists 80% for Scheduled Tribes and 10% for EWS. Check the reservation table above to see where you stand before you pay the fee.
- You are ready to work in Ladakh branches or offices for at least 5 years, since transfers outside Ladakh are not allowed in that time.
Who should skip this:
- You do not hold a Ladakh domicile certificate. The notice says only Ladakh domiciles can apply.
- You cannot stay posted in Ladakh for 5 years, or you cannot sign the Rs 2 lakh bond. The bank will recover the bond if you resign within 2 years of joining.
- Your graduation result will not be out by 26.11.2026. You must be a graduate on the last date of registration.
Other jobs open right now that you may fit
- NICL Graduate Apprentice Recruitment 2026 – 200 Posts · Last date 18.11.2026
- Indian Bank Apprentice Recruitment 2026 – 1500 Posts · Last date 25.11.2026
Selection Process
| Stage | Details |
|---|---|
| 1. Preliminary exam (online) | 100 questions, 100 marks, 60 minutes, with a separate 20-minute timer for each test. You must pass each test’s cut-off and score at least 40% overall (35% for reserved categories). The top 10 times the vacancies in each category move to Mains. |
| 2. Mains exam (online) | Objective part: 170 questions, 200 marks, 160 minutes. Descriptive part: 2 questions, 25 marks, 30 minutes. You must pass each test’s cut-off and score at least 40% overall (35% for reserved categories). The top 3 times the vacancies in each category get an interview. |
| 3. Interview | 100 marks. You need at least 40% to pass (35% for reserved categories). |
| 4. Final merit list | Mains marks and interview marks are combined in an 80 to 20 ratio. If scores tie, the older candidate ranks higher. A reserve list of up to 50% of the vacancies in each category is also made, valid for one year. |
| Marking | One-fourth of the marks for a question are cut for each wrong answer in the objective tests. Blank answers carry no penalty. |
| Exam centres | You choose 6 centres, and at least 4 must be outside Ladakh. Ladakh: Leh and Kargil. Outside Ladakh: Delhi NCR, Patiala, Mohali, Mumbai/Navi Mumbai/Thane, Amritsar, Pathankot, Jalandhar, Pune, Ludhiana, Bengaluru, Phagwara and others if needed. The bank can allot a centre you did not choose. |
In short: the Prelims is only a filter, and its marks do not count in your final rank. Your rank is built from the Mains exam (80 parts) and the interview (20 parts), and you must pass both.
Exam Pattern
| Preliminary exam test | 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 |
| Mains exam test | Questions | Marks | Time |
|---|---|---|---|
| Reasoning | 40 | 60 | 45 minutes |
| General / Economy / Banking Awareness (including digital and financial awareness and RBI circulars) | 50 | 60 | 35 minutes |
| English Language | 40 | 20 | 35 minutes |
| Data Analysis and Interpretation | 40 | 60 | 45 minutes |
| Objective total | 170 | 200 | 160 minutes |
| Descriptive paper (essay and comprehension, in English) | 2 | 25 | 30 minutes |
The notice does not say how the 25 descriptive marks are added to the 200 objective marks, and it says the bank can change the exam structure. Watch jkb.bank.in for updates.
Salary and Benefits
| Component | Detail |
|---|---|
| Grade | Junior Management Grade Scale-I (JMGS-I), the entry officer grade |
| Starting basic pay | Rs 48,480 a month |
| Pay scale | 48480-2000/7-62480-2340/2-67160-2680/7-85920, which means the basic pay rises in steps up to Rs 85,920 |
| Other benefits | “Other perks applicable to JMGS-I” – the notice does not list them |
| Probation | 2 years, with a yearly performance review and a qualifying evaluation exam (40%, or 35% for reserved categories) before you are confirmed |
| Bond | Rs 2 lakh, to serve the bank for at least 2 years |
| Joining time | Within 45 days of the provisional appointment letter |
In plain terms, you start at Rs 48,480 basic pay a month before allowances. The notice does not list the allowances, so your take-home pay will be different from this figure.
How to Apply
- Scan your photograph, signature in black ink (not in capital letters), left thumb impression and a handwritten declaration, and keep your certificates ready as PDFs.
- Open the IBPS registration page (the bank’s “Apply Online” button leads here) and click “Click here for New Registration”. Note down the registration number and password.
- Fill in your details, upload the scans, and use “Save and Next” to check everything in the preview.
- Click “Complete Registration” only after checking, because nothing can be changed after that.
- Pay the fee online and wait for the e-receipt. Do not press Back or Refresh.
- Print your application form and the e-receipt. The last date to print is 11.12.2026.
Note: only online applications are accepted. The declaration must be in your own handwriting and in English.
Photograph or signature rejected by the upload form?
This form is strict: the photo should be 200 x 230 pixels and 20 to 50 KB, and the signature 140 x 60 pixels and 10 to 20 KB. Resize yours to the exact size in a few seconds.
Open the Photo and Signature ResizerDocuments Required
| Document | Format / Notes |
|---|---|
| Photograph | 4.5 cm x 3.5 cm, recent colour passport-style photo, JPG, 200 x 230 pixels preferred, 20 to 50 KB. You also capture a live photo by webcam or phone. Keep about 8 copies of the same photo for later stages. Resize your photo and signature → |
| Signature | Black ink on white paper, not in capital letters, JPG, 140 x 60 pixels preferred, 10 to 20 KB |
| Left thumb impression | White paper, black or blue ink, JPG, 240 x 240 pixels, 20 to 50 KB (use the right thumb if you have no left thumb) |
| Handwritten declaration | In English, black ink, in your own handwriting, JPG, 800 x 400 pixels, 50 to 100 KB |
| Certificates | PDF only, each file up to 500 KB: 10th certificate, graduation degree or marksheet, apprenticeship certificate and ex-servicemen certificate if they apply, disability certificate and scribe form if they apply |
| At the interview | Original and self-attested copies of age proof, ID proof, graduation marksheets, category certificate, EWS certificate if it applies, disability certificate if it applies, and a No Objection Certificate (NOC) from your employer if you work in a government office, PSU or bank |
Important Links
| Link | Open |
|---|---|
| Official Notification (PDF) | Download Notification PDF |
| Apply Online / Official Website | Apply on the IBPS registration page |
| Telegram Channel | Join Telegram Channel |
| WhatsApp Channel | Join WhatsApp Channel |
Common Mistakes to Avoid
- Do not sign or write the declaration in capital letters. The notice says such uploads are not accepted.
- Do not ask someone else to write your declaration. If it is written by another person or in another language, the application is invalid.
- Do not click “Complete Registration” in a hurry. The notice says no change is possible after it.
- Do not press Back or Refresh while paying. Wait for the e-receipt, because no e-receipt means the payment failed.
- Match your name exactly to your certificates and ID. A mismatch can cancel your candidature, especially for women who changed their name after marriage.
- Do not choose fewer than 4 exam centres outside Ladakh. The notice requires 6 choices, with at least 4 outside Ladakh.
Frequently Asked Questions
What is the last date to apply for the J&K Bank PO Ladakh recruitment?
You can apply online from 07.11.2026 to 26.11.2026, and the fee must also be paid by 26.11.2026.
How many Probationary Officer posts are there?
There are 20 posts, and the notice does not give a category-wise seat count.
What qualification do I need?
You need a degree in any subject from a recognised university, and you must be a graduate by 26.11.2026.
What is the age limit?
You must be 20 to 30 years old on 01.01.2026, which means born between 01.01.1996 and 01.01.2006, and every candidate also gets a one-time extra 5-year relaxation.
How much is the application fee?
The fee is Rs 1,000 for SC, ST, SEBC and PwBD candidates and Rs 1,200 for everyone else, both excluding GST.
Can people from outside Ladakh apply?
No, only domiciles of the UT of Ladakh can apply, and selected candidates must submit a Ladakh domicile certificate.
What are the stages of selection?
There is an online Prelims, an online Mains with a descriptive paper, and an interview, and the final rank uses Mains and interview marks in an 80 to 20 ratio.
What is the salary, and is there a bond?
The starting basic pay is Rs 48,480 a month in the JMGS-I scale, and you must sign a Rs 2 lakh bond to serve the bank for at least 2 years.
Update Log
| Date | What changed |
|---|---|
| 13.11.2026 | Post published |
Disclaimer: The information above has been compiled from the official notification for the convenience of job seekers. Candidates are advised to verify all details from the official website before applying.
