Jammu and Kashmir Bank Branch Timings and Contact Details

Jammu and Kashmir Bank, commonly known as J&K Bank, is a major private-sector bank with a particularly strong presence in Jammu & Kashmir and Ladakh, along with branches in several other parts of India. Although many routine transactions can now be handled through mPay Delight Plus, Internet Banking, UPI and other digital channels, customers still need to visit a branch for several important banking requirements.

A branch visit may be necessary for cash transactions, KYC updates, account documentation, cheque-related services, locker work, loan discussions, nomination changes and other activities requiring physical verification or direct assistance from bank officials. Knowing the bank’s branch timings, working Saturdays and official support channels can therefore save time and prevent unnecessary visits.

J&K Bank’s current official branch locator shows a 10:00 AM to 5:00 PM business window for many regular branches in Jammu, Srinagar and Delhi. The locator also states that branches remain closed on the second and fourth Saturdays of every month. Exact timings can still vary for specialised branches, extended counters or other locations, so customers should check the selected branch before a time-sensitive visit.

Here is a complete guide to Jammu and Kashmir Bank branch timings, Saturday working days, holidays, lunch arrangements, customer-care numbers, card support, fraud reporting, grievance escalation, WhatsApp Banking and Corporate Headquarters contact details.

Jammu and Kashmir Bank Branch Timings – Quick Overview

What Are the Jammu and Kashmir Bank Branch Timings?

Many regular J&K Bank branches currently operate from approximately 10:00 AM to 5:00 PM on normal working days. The bank’s official locator shows this schedule for branches in Jammu, Srinagar and New Delhi, including locations such as Jakh, Samba, Hari Singh High Street, Connaught Place and several other branches.

This 10:00 AM to 5:00 PM window is therefore a useful general guide for regular branches. However, customers should not assume that every specialised branch, extended counter or service location necessarily follows an identical schedule.

For cash transactions, KYC updates, account-opening work, loan documentation or other services that may require additional processing time, checking the particular branch through J&K Bank’s official locator before travelling is advisable.

Jammu and Kashmir Bank Working Days

J&K Bank branches normally operate from Monday to Friday, except when a date falls on an applicable bank or public holiday. Saturday operations depend on which Saturday of the month it is.

Jammu and Kashmir Bank Saturday Working Schedule

• 1st Saturday – Working day
• 2nd Saturday – Closed
• 3rd Saturday – Working day
• 4th Saturday – Closed
• 5th Saturday – Working day, if the month has one

The bank’s official branch locator explicitly states that branches remain closed on the second and fourth Saturdays of every month. On working Saturdays, many regular branches display the same 10:00 AM to 5:00 PM business hours as weekdays. A first, third or fifth Saturday can still be closed if another applicable public or regional holiday falls on that date.

Jammu and Kashmir Bank Lunch Timings

J&K Bank does not publish one fixed nationwide lunch-break shutdown for all branches on its current public website. Its branch locator generally displays continuous business hours, such as 10:00 AM to 5:00 PM, rather than a separate bank-wide lunch closure.

Customers should therefore not assume that every branch completely closes all counters during a fixed lunch period. However, the availability of a particular officer may vary during staff meal breaks. For detailed documentation or work requiring a specific official, visiting in the earlier part of the business day can be more convenient.

Jammu and Kashmir Bank Holidays

Apart from Sundays and the second and fourth Saturdays, J&K Bank branches remain closed on applicable public and bank holidays. Holiday calendars can differ between Jammu & Kashmir, Ladakh and other states where the bank operates because several holidays depend on regional festivals and government notifications.

Customers planning important banking work should therefore check the local holiday calendar and the selected branch’s current schedule before travelling.

Do All Jammu and Kashmir Bank Branches Have the Same Timings?

Not necessarily. A 10:00 AM to 5:00 PM schedule is currently displayed for a large number of regular J&K Bank branches, but specialised locations and service points can follow different arrangements.

The bank’s official locator should therefore be treated as the final source for the exact opening and closing hours of a particular branch.

Jammu and Kashmir Bank Customer Care Numbers

J&K Bank’s current official Contact Us page lists 1800 890 2122 as its main toll-free customer-care number. The same number is used for e-Banking, Mobile Banking and UPI support.

Jammu and Kashmir Bank Official Customer Care Details

Jammu and Kashmir Bank ATM and Debit Card Support

If a J&K Bank Debit Card is lost, stolen or suspected of being compromised, customers should take action immediately instead of waiting for the branch to open.

The bank’s current customer-care and grievance pages direct customers to the 24×7 Contact Centre at 1800 890 2122. J&K Bank’s official WhatsApp Banking also provides Debit Card block and unblock functionality.

For ATM-related issues, customers can contact the ATM Helpdesk at +91 194 2713333 or write to helpdesk@jkbmail.com.

Jammu and Kashmir Bank Credit Card Support

For Debit and Credit Card-related assistance, the current Contact Us page lists 1800 890 2122 as the toll-free number along with 0194-2482463 and 0194-2486424.

The bank also lists a dedicated Grievance Nodal Officer for Debit and Credit Cards:

Mr. Towfeeq Ahmad
Phone: 0194-2502685
Email: grievance.creditcards@jkbmail.com
Digital and Alternate Channels, Corporate Headquarters, Jammu and Kashmir Bank

Jammu and Kashmir Bank Unauthorised Transaction and Cyber Fraud Reporting

Customers who notice an unauthorised or suspicious electronic banking transaction should report it immediately. J&K Bank’s current grievance page provides multiple official reporting routes.

• Use the bank’s online fraud/unauthorised transaction reporting facility
• Use mPay Delight Plus and select Report Fraud under Services & Requests
• Call J&K Bank Contact Centre at 1800 890 2122
• Call the National Cyber Crime Helpline at 1930

The mobile-banking fraud-reporting flow also allows customers to block digital channels and report a fraudulent transaction. Quick reporting is important to reduce the risk of further unauthorised activity.

Jammu and Kashmir Bank Customer Care Email IDs

• General Customer Care: jkbcustomercare@jkbmail.com
• ATM Helpdesk: helpdesk@jkbmail.com
• Debit/Credit Card Grievances: grievance.creditcards@jkbmail.com

Customers should never send ATM PINs, Credit or Debit Card PINs, CVVs, UPI PINs, Internet Banking passwords or OTPs through email.

Jammu and Kashmir Bank Grievance Redressal

J&K Bank follows a structured grievance-redressal system. Customers can lodge complaints through the branch, the online complaint/feedback form or the 24×7 Contact Centre at 1800 890 2122. Complaints received at branches are entered into the bank’s central Customer Service Request Tracking System and assigned a Ticket ID.

The bank’s May 2026 grievance policy provides a multi-level escalation mechanism involving the Branch or concerned department, Cluster Head or departmental authority, General Manager-CBO and the Internal Ombudsman for complaints that are partly or wholly rejected.

J&K Bank has also designated Zonal Heads as Nodal Officers for customer grievances. Their current zone-wise details are published on the bank’s grievance page and at branches.

The latest policy lists the Principal Nodal Officer as:

Mr. Tariq Ali
General Manager
Phone: 0194-2481930
Email: tariq.ali@jkbmail.com
Office of the General Manager, Corporate Headquarters, Srinagar

If a complaint is not resolved within 30 days, or the customer is dissatisfied with the bank’s response, the customer may approach the Reserve Bank Integrated Ombudsman through the applicable RBI complaint mechanism.

Jammu and Kashmir Bank WhatsApp Banking

J&K Bank provides official WhatsApp Banking through:

+91 9906663937

Customers can save the number and send ‘Hi’ to start using the service. The bank states that WhatsApp Banking is available 24x7x365, including holidays.

Available services include account balance, mini statement, account statements, Debit Card block/unblock, locker information, cheque status, branch and ATM locator, complaint and transaction-dispute status, and information about banking products and services.

Jammu and Kashmir Bank Corporate Headquarters Contact Details

The Jammu & Kashmir Bank Ltd.
Corporate Headquarters
M.A. Road
Srinagar, Jammu & Kashmir, India

Board Line Numbers: +91 194 2481930 to 2481935
Jammu Phone Number: 0191-2471020

The bank’s registered-office information also lists M.A. Road, Srinagar – 190001, Jammu & Kashmir.

Services Available When Jammu and Kashmir Bank Branches Are Closed

A closed physical branch does not stop most routine J&K Bank services. Depending on the account and service, customers can continue using mPay Delight Plus, Internet Banking, UPI, WhatsApp Banking, ATMs and other supported digital channels.

WhatsApp Banking itself is available 24x7x365 and provides several self-service options, including balance enquiry, statements and Debit Card blocking. The 1800 890 2122 Contact Centre can also be used for supported customer-service requirements outside normal branch hours.

Services requiring original documents, physical signatures, locker access or direct verification may still require a branch visit.

Best Time to Visit a Jammu and Kashmir Bank Branch

For routine banking work, customers can normally visit during the branch’s displayed business hours. At many regular J&K Bank branches, this is approximately 10:00 AM to 5:00 PM.

For account opening, KYC updates, loan documentation, nomination changes, locker-related work or transactions requiring detailed assistance, reaching well before the closing time is advisable.

Customers should also check whether the proposed date falls on a second or fourth Saturday, a Sunday, a local festival or another notified bank holiday. For time-sensitive work, J&K Bank’s official branch locator remains the safest source for exact branch hours.