Jammu and Kashmir Bank has released an important recruitment notification inviting applications for contractual positions of Zonal Security Officers and Financial Literacy (FL) Counsellors. The recruitment drive offers opportunities for experienced professionals, retired officers, and banking experts to work with one of the leading financial institutions in the region.

The official notification states that eligible candidates can apply online through the official website of J&K Bank from May 21, 2026 to June 4, 2026. The recruitment includes a total of seven vacancies across different zones and district offices.

This recruitment drive is especially significant for retired police officers, paramilitary officials, and experienced banking professionals who wish to continue contributing in specialized roles. The positions are contractual in nature and come with attractive remuneration packages along with additional allowances and incentives.

In this detailed article, candidates can check complete information regarding vacancies, eligibility criteria, qualifications, experience requirements, salary structure, age limit, selection process, application procedure, important dates, and other key instructions.

Overview of J&K Bank Recruitment 2026

J&K Bank has invited applications for the following positions:

• Zonal Security Officer
• Financial Literacy (FL) Counsellor

These posts will be filled on a contractual basis for different zones and lead district offices of the bank.

The recruitment process aims to strengthen the bank’s security framework and improve financial literacy awareness among the public, especially in rural and semi-urban regions.

Total Vacancies Announced

According to the official notification, J&K Bank has announced seven vacancies in total.

Vacancy Details

Zonal Security Officer – 5 Posts

One vacancy has been announced for each of the following zonal offices:

• Kathua
• Ladakh
• Delhi
• Mumbai
• Bangalore

FL Counsellor – 2 Posts

One vacancy each has been announced for:

• Lead District Office Shopian
• Lead District Office Poonch

These positions are purely contractual and candidates must satisfy the eligibility conditions prescribed by the bank.

Educational Qualification Required

The educational qualifications differ according to the post applied for.

Qualification for Zonal Security Officer

Candidates applying for the post of Zonal Security Officer should possess:

• Graduation in any discipline
• Degree preferably from a recognized university or institute

The bank has emphasized preference for candidates with relevant professional backgrounds in security and law enforcement services.

Qualification for FL Counsellor

Candidates applying for FL Counsellor posts should:

• Be graduates
• Have experience in banking or related fields
• Possess sound knowledge of:
  • Banking
  • Law
  • Finance
  • Agriculture and allied activities

This role requires candidates who can educate people about financial inclusion and responsible banking practices.

Experience Criteria

Experience Required for Zonal Security Officer

The notification clearly states that candidates should have served in the rank of:

• Deputy Superintendent of Police (DSP), or
• Equivalent rank in Police, Army, or Paramilitary forces

Additionally, candidates must have:

• Excellent or meritorious service record
• Minimum three years of experience as DSP or equivalent officer

This requirement ensures that only experienced personnel capable of handling security operations at bank premises are selected.

Experience Required for FL Counsellor

The FL Counsellor role requires candidates with communication, financial education, and community engagement skills.

The notification specifies that candidates should have:

• Strong communication and team-building skills
• Knowledge of local language
• Working knowledge of computers
• Experience conducting Financial Literacy Camps preferred

The bank has also stated that preference will be given to honourably retired J&K Bank officers not below the rank of Senior Manager (Scale III Cadre).

Role and Responsibilities

Duties of Zonal Security Officer

The Zonal Security Officer will play a vital role in maintaining and monitoring security systems across the bank’s offices and branches.

Major responsibilities include:

• Implementation and review of security policy
• Planning and execution of bank security measures
• Compliance with RBI and Government security guidelines
• Maintaining discipline and efficiency of security staff
• Coordination with police, fire services, and government agencies
• Providing expert security advice to the bank
• Managing additional security-related tasks assigned by the bank

The selected officers will be responsible for ensuring foolproof security arrangements within their respective zones.

Responsibilities of FL Counsellor

The Financial Literacy Counsellor position is aimed at promoting financial awareness among people in rural and urban areas.

The main duties include:

• Providing free financial counselling services
• Educating people about responsible borrowing and savings
• Conducting financial literacy camps
• Creating awareness regarding banking products and services
• Helping distressed borrowers with debt counselling
• Promoting digital banking and financial inclusion
• Conducting workshops, seminars, and awareness programs
• Organizing target-specific literacy campaigns

The bank has stressed that these services should be offered free of cost to customers.

Financial Literacy Camps and RBI Guidelines

The notification mentions that FL Counsellors must conduct digital and financial literacy camps as per Reserve Bank of India guidelines.

The RBI has directed that each FL Counsellor should organize:

• At least 2 digital literacy camps every month
• At least 5 target-specific camps every month

The aim is to increase awareness about:

• Digital transactions
• Savings habits
• Banking facilities
• Insurance products
• Debt management
• Budgeting and financial planning

The counsellors will also educate newly banked customers and encourage meaningful use of financial services.

Salary and Remuneration

Salary for Zonal Security Officer

Selected candidates will receive:

• Rs. 45,000 per month

Additional benefits include:

• TA/DA for official tours and visits

However, the notification clarifies that:

• No pension
• No provident fund
• No gratuity
• No other perquisites

will be provided. Taxes will be deducted as per government norms.

Salary for FL Counsellor

FL Counsellors will receive:

• Rs. 22,000 per month

In addition, they will also get:

• Monthly conveyance allowance
• Mobile/telephone charges
• Performance-linked incentives

This makes the role attractive for experienced banking professionals interested in community financial education.

Age Limit

Maximum Age for Zonal Security Officer

• 62 years as on January 1, 2026

Maximum Age for FL Counsellor

• 65 years as on January 1, 2026
• Also applicable on the first day of the calendar year in which the contract is renewed

These relaxed upper age limits make the recruitment suitable for retired professionals.

Contract Duration

Contract Period for Zonal Security Officer

The contractual engagement will be:

• For 3 years
• Subject to annual satisfactory performance review

The notification clearly mentions that:

• No extension beyond three years will be granted

Contract Period for FL Counsellor

The FL Counsellor contract will initially be:

• For 12 months

However, it may be renewed:

• Up to a maximum period of 3 years
• Subject to annual appraisal and satisfactory performance

The notification also states that either party can terminate the contract with one month’s notice or salary in lieu thereof.

Selection Process

Selection Procedure for Zonal Security Officer

The selection process will include:

1. Screening of applications
2. Shortlisting based on:
   • Qualification
   • Experience
   • Suitability
3. Interview/interaction round

The interview will assess:

• Knowledge
• Experience
• Professional skills

Selection Procedure for FL Counsellor

For FL Counsellor posts, candidates will be shortlisted based on:

• Eligibility
• Relevant experience

Shortlisted candidates will then appear for:

• Personal interview
• Demonstration/presentation round

The bank will evaluate:

• Teaching ability
• Communication skills
• Camp conducting capability
• Financial literacy awareness

Important Dates

Candidates should note the following important dates carefully:

Applicants are advised not to wait until the last date to complete the registration process.

Application Fee

Candidates applying for these contractual posts must pay:

• Rs. 500 per application
• Inclusive of GST

The fee is non-refundable and has to be paid online while submitting the application form.

How to Apply Online

Eligible candidates can apply online through the official website of J&K Bank.

Steps to Apply

1. Visit the official J&K Bank website
2. Open the Careers section
3. Click on the recruitment notification link
4. Register using valid details
5. Fill in the online application form
6. Upload required documents
7. Pay application fee
8. Submit the form and save a copy for future reference

The application link is active from May 21 to June 4, 2026.

Interview Call Letter

The bank has informed that interview call letters will be sent only through email.

No hard copy of the call letter will be dispatched.

Candidates must therefore ensure that:

• Their email ID remains active
• Email inbox and spam folder are checked regularly

Important Instructions for Candidates

The notification contains several important instructions that applicants should carefully follow.

Key Instructions

• All future communication will be through registered email ID only
• The bank reserves the right to:
  • Reject applications
  • Cancel the recruitment process
  • Modify selection criteria
• Shortlisted candidates must appear for interview at their own expense

Candidates should also ensure that they meet all eligibility conditions before applying.

Why This Recruitment is Important

The J&K Bank recruitment drive serves two major purposes:

1. Strengthening security infrastructure across various zones
2. Enhancing financial literacy and digital banking awareness

With growing cybersecurity and financial fraud concerns, experienced security professionals are essential for ensuring safe banking operations.

Similarly, financial literacy counsellors are increasingly important in helping people understand:

• Digital banking
• Savings
• Loans
• Insurance
• Financial planning
• Responsible borrowing

The initiative aligns with RBI’s vision of financial inclusion and digital empowerment.

Opportunities for Retired Professionals

One of the most notable aspects of this recruitment is the emphasis on retired and experienced professionals.

The bank is specifically encouraging applications from:

• Retired police officials
• Retired paramilitary officers
• Retired banking professionals

This provides an excellent opportunity for experienced individuals to continue contributing their expertise while earning a respectable remuneration.

Documents Required While Applying

Although the detailed list of documents may be available during online registration, candidates are generally advised to keep the following ready:

• Educational qualification certificates
• Experience certificates
• Retirement proof (if applicable)
• Identity proof
• Address proof
• Passport-size photograph
• Signature scan
• Valid email ID and mobile number

Having documents prepared beforehand can help avoid last-minute issues during the application process.

Tips for Candidates Applying

Here are some useful tips for applicants:

For Zonal Security Officer Candidates

• Highlight leadership and security management experience
• Mention coordination experience with government agencies
• Include achievements and service record details

For FL Counsellor Candidates

• Emphasize communication and public interaction skills
• Mention financial literacy or awareness campaigns conducted
• Highlight knowledge of digital banking and financial inclusion

Candidates should also prepare thoroughly for interviews and presentations.

Growing Importance of Financial Literacy in India

Financial literacy has become a national priority in India due to rapid expansion of digital banking and financial technology.

Through Financial Literacy Centres (FLCs), banks aim to educate citizens about:

• Safe banking practices
• Avoiding frauds
• Responsible borrowing
• Savings culture
• Government schemes
• Digital payment systems

The FL Counsellor role therefore carries significant social importance.

The J&K Bank Recruitment 2026 notification offers a valuable opportunity for experienced professionals to work with one of the most reputed banking institutions in the country.

The recruitment provides:

• Respectable salary packages
• Opportunity to serve society
• Important leadership roles
• Scope to promote financial awareness
• Chance to contribute to secure banking systems

Interested candidates should carefully read the official notification, ensure eligibility, and submit applications before the last date.

With limited vacancies available, candidates are advised to apply early and prepare thoroughly for the selection process.

Official PDF Notification

PDF Link: https://jkb.bank.in/sites/default/files/2026-05/Notification.pdf