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  • Anywhere Banking Power to Access to your accounts across our
    branch network.
    The facilities include Cash Deposit/Withdrawal
    and transfer.
    Outstation Cheque collection.
  • Internet Banking Access/view of accounts
    Transfer of Funds
    Utility bill payments.
    Funds Transfer
    Available for both Retail and Corporate users.
    Statement of Accounts.
    Funds Transfer.
  • ATM Services A network of ATMs deployed across the country.
    Accepting Maestro / Cirrus / Mastercard / VISA / NFS atm / debit / credit cards.
    24x7 Support - ATM Helpdesk
  • Debit Cards - Global Access Card Pin Based -Maestro / Cirrus Debit Card
    Provides online access to savings or current account.
    Accepted at all Domestic as Well as International MasterCard,Maestro,CirrusEnabled ATM's and Point Of Sale locations.
  • Depository Services Dematerialization
    Stock Broking through INVESTMART an initiative of ILFS.
    Depository Participant of NSDL and CDSL.
    Market transaction
    and more...
  • Cash Management Service Real Time Gross Settlement (RTGS)
    National Electronic Fund Transfer (NEFT).

  Depository Services

  Basic Information
  • A depository is like a bank where securities are held in electronic (dematerialized) form.


  • It is the process of converting the securities held in physical form (certificates) to an equivalent number of securities in electronic form and crediting the same to the investor's demat account. Dematted securities do not have any certificate numbers or distinctive numbers and are dealt only in quantity i.e. the securities are replaceable

Stock Broking through INVESTMART an initiative of ILFS.

  • You can avail the facility of buying and selling of shares under single roof. It integrates your Broker, DP and Bank on a single platform.You may open a trading account by opening a Demat account with J&K BANK, SAVING ACCOUNT with J&K BANK and Stock Broking Account by filling Investor Registration form of INVESTMART an initiative of ILFS and our business patner for providing broking services.For further queries you may contact the DP branches of J&K Bank

Depository Participant of NSDL and CDSL.

  • In our country there are two central depositories - National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL).J&K BANK is Depository Participant of both NSDL and CDSL.
  • Under the Depositories Act, investors can avail of the services of the depositories through Depository Participants (DPs) such as J&K BANK. DPs are like bank branches wherein shares in physical forms need to be deposited for converting the same to electronic (demat) form.

Market transaction

  • When securities are transferred from a beneficiary account of an investor to a clearing member account of a broker for ensuring delivery of securities on a stock exchange, then it is a market transaction.

Off-maret transactions

  • When securities are transferred from the beneficiary account of one investor to that of another, and the transaction does not get routed to the stock exchange, it is an off-market transaction.

Rematerialisation (Remat)

  • It is the process of conversion of securities from electronic to physical form

  Depository Network
  • A network with full range of demat and teledepository services our branches are at Delhi ,Srinagar and Jammu.
    Highly competitive rates to enable you to convert your holdings into the electronic form
  • J&K Bank Depository Service , Plot No 132-134,Sector 44 ,Gurgoan, 122001 Phone +91-124-4389526, Fax +91-124-4389525
  • J&K Bank Depository Service , Residency Road, Branch Srinagar, Telefax: +91-194-2480056, 2480071
  • J&K Bank Depository Services , JDA Complex , Gole Market Gandhi nagar , Jammu. Telefax:+91-191-2430994,24358713

  Account Opening
  • You can open a Depository Participant (DP) Account, either through J & K Bank branches. There is no fee for opening a DP account with J & K. However, a nominal fee will be levied towards services, as per our tariff.
  • You can choose between Standard Rate Card or Frequent Trader Rate Card as per your trading volume.
  • Please write to us or contact any J & K Bank branch to obtain the account opening booklet.


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