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    and more...
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    Available in the denominations of Rs.101, Rs.201, Rs.501, Rs.1001 and Rs.5001.
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 Saving Bank Deposits

 

  Deluxe Savings Account
   

  Features & benefits.
  • Minimum AQB of Rs 5000/-
  • Free cash withdrawals at branch (up to 15 per month).
  • No limit on Cash withdrawal using withdrawal form
  • Free International Gold Debit Card issued with an ATM withdrawal limit of Rs 1 lac/day & PoS transaction limit of Rs 1.50lacs.
  • Nomination facility available.
  • Free e-banking facility.

  Eligibility
  • A person in his/her name.
  • More than one person in their joint names.
  • Minor through parents/guardian.
  • Literate minors above 10 yrs of age.

  Documentation
  • Application Form.
  • Photograph of depositor/s (2 copies)
  • Documents as  per KYC Norms
  • PAN Card or Form 60 or 61
  • Any other related document applicable to Minors, etc.

  FAQs
  1. Who can open a Deluxe Savings Account with J&K Bank?
    Deluxe Savings account can be opened by individuals, either singly or jointly, Parents/ Guardians on behalf of minors, literate minors above 10 years who can sign regular, and organizations, entities, etc allowed by RBI.
  2. What is the minimum Average Quarterly Balance required to be maintained?
    You are required to maintain an AQB of Rs 5000/-.
  3. What are the benefits of the Deluxe Savings Account?
    You can avail the following benefits:
  • Free cash withdrawals at branch (up to 15 per month).
  • No limit on Cash withdrawal using withdrawal form
  • Free International Gold Debit Card issued with an ATM withdrawal limit of Rs 1 lac/day & PoS transaction limit of Rs 1.50lacs.
  • Free e-banking facility.
  • Interest compounded quarterly and calculated on daily products.

     

  Top (Conditions Apply)

  General Savings account

  Features & benefits
  • Minimum AQB of Rs 500/-(With Cheque Book) & Rs 300 (without cheque book).
  • Free cash withdrawals at branch (up to 5 per month).
  • Free International Gold Debit Card issued with an ATM withdrawal limit of Rs 0.40 lac/day & PoS transaction limit of Rs 1.0lacs.
  • Nomination facility available.
  • Free e-banking facility.

  Eligibility
  • A person in his/her name.
  • More than one person in their joint names.
  • Minor through parents/guardian.
  • Literate minors above 10 yrs of age.

  Documentation
  • Application Form.
  • Photograph of depositor/s (2 copies)
  • Documents as  per KYC Norms
  • PAN Card or Form 60 or 61
  • Any other related document applicable to Minors, etc

  FAQs
  1. Who can open a General Savings Account with J&K Bank?
    General Savings account can be opened by individuals, either singly or jointly, Parents/ Guardians on behalf of minors, literate minors above 10 years who can sign regular, and organizations, etc allowed by RBI.
  2. What is the minimum Average Quarterly Balance required to be maintained?
    You are required to maintain an AQB of Rs 500/-for accounts with Cheque book facility and Rs 300/- for accounts without cheque book facility..
  3. What are the benefits of the General Savings Account?
    You can avail the following benefits:
  • Free cash withdrawals at branch (up to 5 per month).
  • Global Access Debit Card issued with an ATM withdrawal limit of Rs 0.40 lac/day & PoS transaction limit of Rs 1.0lacs.
  • Nomination facility available.
  • Free e-banking facility.
  • Interest compounded quarterly and calculated on daily products.

   

  General Small Account

  Features & benefits
  • A variant of Saving Bank account to ensure financial inclusion and to strive for making banking services easily accessible to all segments of society.
  • Minimum initial deposit of Rs 50/-. However, you can also open the account with banking instruments like Banker's cheque, etc.
  • Minimum balance of Rs 50/- only.
  • Maximum balance shall be Rs 50,000/-.
  • Maximum credits of Rs1,00,000/- in a year.
  • The aggregate of all withdrawals and transfers in a month shall not exceed Rs 10,000/-.
  • 4 withdrawals permissible per month.
  • Cheque book facility available if you maintain average quarterly balance of Rs1000/- and above for past 6 months
  • Nomination facility available.

  Eligibility
  • Individuals including pensioners.
  • More than one person in their joint names.
  • Literate minors above 10 yrs of age.

  Documentation
  • Application Form.
  • Photograph of depositor/s (2 copies)
  • Documents as  per KYC Norms
  • Any other related document applicable to Minors, etc.

  FAQs
  1. Who can open a SB Ujala   Savings Account with J&K Bank?
    SB Ujala account can be opened by individuals including pensioners. Joint accounts are also allowed. Literate minors above 10 years, who can sign regular, can also open this account.
  2. What is the minimum and maximum balance allowed under this scheme?
    The minimum and maximum balance allowed under the scheme is Rs 50 and Rs 50,000 respectively.
  3. What are the maximum credits allowed in a year?
    Maximum credits allowed in a year is Rs 1lacs.
  4. What are the aggregate withdrawals and transfers allowed in a month?
    The aggregate of all withdrawals and transfers in a month shall not exceed Rs 10,000/-

   
 
 

 
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