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J&K Bank commissions two ATMs in Kulgam to enhance customer convenience Continuing its sustained commitment towards enhancing ease of banking through digital channels, J&K Bank today commissioned two new Automated Teller Machines (ATMs) in Kulgam district - at the prominent tourist destination of Aharbal and at Chowgam. The installation is part of the Bank’s efforts to strengthen digital banking infrastructure and extend seamless financial services to people in remote areas. Zonal Head (Anantnag), Khawar Meraj Handoo inaugurated the ATMs amid a gathering of valuable customers besides senior bank officers, branch heads, elected public representatives, and local residents. Speaking on the occasion, the Zonal Head reiterated the Bank’s commitment to leveraging technology for customer convenience and financial empowerment. He encouraged people to make optimal use of digital platforms, including ATMs, mobile banking, and internet banking, for secure and hassle-free transactions. Taking the total number of ATMs in the district to 35 and in the zone to 126, these newly installed machines are expected to significantly benefit the local population as well as tourists visiting Aharbal, by ensuring round-the-clock access to cash and essential banking services. The participants appreciated the Bank’s continued efforts in expanding its digital footprint, noting that such initiatives promote financial inclusion and contribute to the socio-economic development of the region. #JKBank #JKBank
J&K Bank renews corporate agency tie-up with Bajaj Life Insurance Company Reaffirming its commitment to enhanced customer convenience, J&K Bank has renewed its Corporate Agency Agreement with Bajaj Life Insurance Company for a further period of three years. The agreement was renewed formally after the signing of the pact here at Bank’s Corporate Headquarters in the presence of senior officials from both the organisations. General Manager (Retail, Agriculture & MSME – RAM) Rakesh Magotra represented the Bank along with DGM (Cross Selling) Shabir Ahmad Bulla and other members of the Cross Selling team. Executive Vice President & Business Head Zeeshan Andleeb attended signing ceremony on behalf of Bajaj Life Insurance Company besides National Account Head Mukhtar Ahmad and other officials. Speaking on the occasion, General Manager (RAM) Rakesh Magotra said, “The renewal of our partnership reflects the strength of a relationship built on shared values of customer-centricity and trust. As we move ahead in our growth journey, we remain focused on expanding our bouquet of financial solutions, ensuring that our customers have seamless access to protection products alongside banking services.” He further added, “Strengthening our cross-selling ecosystem is one of the key priorities for the Bank. This renewed engagement will help us scale up insurance outreach, particularly across Jammu & Kashmir and other emerging markets, while contributing to the broader agenda of financial inclusion and social security.” The partnership between the Bank and Bajaj Life Insurance Company has witnessed steady growth since its inception, driven by robust distribution capabilities and a focused approach towards meeting evolving customer needs. The renewal of the agreement is expected to further enhance customer engagement and deepen the reach of life insurance solutions, thereby enabling greater financial protection for individuals and families across the Bank’s operational geographies. #JKBank #JKBank
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Lieutenant Governor Manoj Sinha on Tuesday inaugurated the Regional Business Centre of Jammu and Kashmir Bank at Rail Head Complex in Jammu. He congratulated the team of J&K Bank on the occasion. The centre is equipped with integrated and technology-based systems. It will help in business operations and expansion of the bank across regions. Managing Director and CEO of J&K Bank, Amitava Chatterjee, informed the Lieutenant Governor that the bank’s business has crossed Rs 2.90 lakh crore. He said the centre is part of the bank’s plan to strengthen its operations in the region. The facility includes a currency chest, a branch, departmental offices and administrative units. Officials said it will support decision-making, coordination and customer service. Chief Secretary Atal Dulloo, Principal Secretary to Lieutenant Governor Dr Mandeep K. Bhandari, Executive Director J&K Bank Sudhir Gupta, Directors R.K Chhibber and Arun Gandotra, IGP Jammu Bhim Sen Tuti, and other officials of the bank and departments were present at the function. #JKBank #JKBank
Chief Secretary chairs 18th Meeting of UTLBC Pitches for achieving targets under Priority Sector Lending Says establishing banking touchpoints in unbanked areas key to government’s push for financial inclusion Flags low CD ratios in some district as worrisome development To review the performance of Banks and line departments for the first three quarters of Financial Year 2025-26 ended December 31st, 2025, the 18th meeting of the Union Territory Level Bankers’ Committee was today held at Jammu. Presided over by Chief Secretary J&K Atul Dulloo, the meeting was also attended by Additional Chief Secretary Ashish Chandra Verma, MD & CEO J&K Bank Amitava Chatterjee (Convenor J&K UTLBC) , Regional Director Reserve Bank of India Chandra Shekhar Azad, General Manager NABARD Vikas Mittal, Executive Director J&K Bank Sudhir Gupta besides secretaries and additional secretaries to the government , Heads of the departments, senior officials from the UT government, RBI, NABARD, Insurance Companies, Lead District Managers and representatives from Banks, NHB and other financial departments. The meeting was organized by Convenor J&K (UTLBC) J&K Bank. Terming Priority Sector lending key to economic and infrastructural development, Chief Secretary Atal Dulloo emphasized that it is imperative for banks to achieve targets set under this crucial sector. “For any region or country to achieve economic progress and create job avenues, there should be no shortfall in Priority Sector Lending. I see lot of banks, especially private banks not keen or putting efforts to provide loans under PSL particularly under agriculture sector,” he said while lauding J&K Bank for its performance in Priority Sector lending. He pressed for 100% credit linkage under Housing and education sector which he said have not grown upto the expectations. While expressing dismay over the performance of banks in Interest Subsidy Scheme under Pradhan Mantri Awaas Yojana 2.0. Chief Secretary called for utilizing services of Common Service Centers for bringing more beneficiaries under PMAY. Stressing upon the setting up of Banking touchpoints in Gram Panchayats as a vital component in financial inclusion, Chief Secretary took a strong exception to some banks for having pendency in providing banking services in the unbanked areas. “This exercise is of paramount importance in government’s efforts to bolster financial inclusion. I expect more from Banks on this front. Banks may need to coordinate with the local administration to set-up banking facilities in the unbanked rural areas,” he said. While highlighting J&K Bank’s good performance in providing credit facilities to Farmer Producer Organizations (FPOs), Chief Secretary asserted need for Banks and relevant departments to work in tandem for FPOs credit linkage. “We need to run awareness campaign to strengthen the FPO ecosystem as same is vital to enhance overall infrastructure of our farmer community which in turn will lead to efficient produce,” he said. Pointing out deficiencies in Re-KYC process, Chief Secretary stated that Re-KYC campaign needs a strong push as government intends to put in place a foolproof compliance ecosystem in the banks. Chief Secretary advised the banks to improve their lending under employment generation government sponsored schemes while emphasizing the need for issuance of smart cards to KCC holders. “Banks must understand one thing. Government sponsored schemes have been devised with an aim to generate employment opportunities for our youth and this is where if Banks show some willingness can change economic landscape of this region. All banks and sponsoring agencies need to work in tandem and handhold aspiring entrepreneurs to translate their entrepreneurial aspirations into employment and revenue generating units,” he said. While urging other banks to take a cue from J&K Bank’s performance in credit dispensation under government sponsored schemes like Self Help Groups, Joint Liability Groups, PM Surya-Ghar, PM Vishwakarma etc., he hoped J&K Bank continues to keep momentum going in its lending under government sponsored schemes. “Low CD ratios need to be properly examined and a committee comprising subject experts needs to be constituted to suggest action points to improve the CD ratio in the UT. Numbers reflected today vis-à-vis CD ratio in the some of the districts is deeply worrisome and needs a rear-guard to bring a positive change,” he said. Earlier, in his welcome address, Convenor UTLBC and MD & CEO J&K Bank, Amitava Chatterjee, expressed optimism over the banking sector’s role in meeting the developmental aspirations of the Union Territory. “The banking sector plays a pivotal role in driving economic transformation, and we remain steadfast in our mission to strengthen financial empowerment, promote entrepreneurship, and enhance access to credit across all segments of society,” he said, assuring full cooperation from J&K Bank and other member banks in implementing employment and enterprise-focused initiatives. On the occasion, Chief General Manager (J&K UTLBC), Ashutosh Sareen presented the progress report of banks for the review period, highlighting key performance indicators, including total credit disbursed, number of beneficiaries covered, and percentage achievement of the Annual Credit Plan (ACP) in financial and physical terms. Performance under key schemes like MISSION YUVA, PMEGP, PMFME, HADP, KCC, SHG-Bank Linkage, Financial Inclusion and Social Security Schemes was also reviewed during the meeting. The house was informed that banks in J&K have disbursed a credit of Rs 63,892 Crore to 14.56 lac beneficiaries during first three quarters of FY 2025-26 ended December 2025. The event concluded with a formal vote of thanks by Chief General Manager, J&K UTLBC. #JKBank #JKBank
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Highlights: 1. Editorial on precautions regarding Digital Banking. 2. J&K Bank inaugurates new ATM in Rajouri. 3. J&K Bank bids farewell to General Manager Nishikant Sharma upon his superannuation 4. Bank's GM and GCO Peer Masood Ahmad talks about Mule accounts. 5. Segment on Doorstep Banking. 6. Information regarding Aadhaar Linkage. 7. Lucky Draw & Weekly Quiz Contest (Send in your entries to jkbankdiary@jkbmail.com.** **Please dont forget to mention your name, residence, phone number and 16 digit bank account number in the mail).