Jammu and Kashmir Bank Personal Loan - Up to ₹15 Lakhs & Zero Collateral

Consumer Loan

Must be an employee of the Government, civic bodies, or must be self-employed

Saholiat/Saral Finance

Must be a permanent employee of the State/Central Government, State or Central and Semi-Government Public Sector Undertakings, Autonomous bodies or institutions

Saral/Saholiat Finance Scheme for Pensioners

Must be a pensioner of the State/Central Government who draws pension via Jammu and Kashmir Bank (family pensioners included)

Laptop/PC Finance

Must be a permanent employee of the State/Central Government, State or Central and Semi-Government Public Sector Undertakings, Autonomous bodies or institutions, or An employee of a private organisation, private limited company, reputed establishment or a contractual employee of the State/Central Government, or Government or Semi-Government Undertakings and Autonomous bodies, or A contractual employee of the State/Central Government, or Government or Semi-Government Undertakings and Autonomous bodies, or A teacher under Rehaber-a-Taleem, Jammu and Kashmir Government, or An official under Rehaber-a-Zeerat, Jammu and Kashmir Government, or A pensioner of the State or Central Government who draws salary or pension through Jammu and Kashmir Bank, or A proprietorship concern, self-employed individual or professional, or A regular student of a recognised school, university or colleges

Scooty Finance for Girls/Ladies

Must be a working lady with adequate an regular source of income (employees of Public Sector Undertakings, Government or Semi-Government Undertakings, private companies, Autonomous bodies or reputed establishments, or businesswomen and self-employed women or professionals, or Ladies or girls who are still studying and have no regular income Must be at least 18 years of age and an Indian citizen Must have a valid driving license

Festival Advance Scheme

Must be a permanent employee or pensioner of Central/State Government, or Government or Semi-Government Undertakings and Autonomous bodies who draws salary or pension from Jammu and Kashmir Bank

Smartphone Finance

Must be a permanent employee or pensioner of the Central/State Government, or Government or Semi-Government Undertakings and Autonomous bodies who draws salary through Jammu and Kashmir Bank Must be at least 21 years of age

Modular Kitchen Finance

Must be a permanent employee for at least three years with the State or Central Government, Semi-Government Departments, Autonomous bodies, Public Sector Undertakings, or reputed private or public limited companies, or A self-employed professional such as a lawyer, doctor, engineer or chartered accountant with at least two years' standing, or A pensioner of the Central or State Government who draws pension through Jammu and Kashmir Bank Must be at least 18 years of age

Sahafat Finance Scheme

Must be a media personnel or journalist who works part-time or full-time (can be an editor, photographer or cameraman, reporter, stringer journalist, photo journalist, or someone in administrative or managerial capacity, accounting, supervisory capacity, etc., or An employee working for media houses or newspapers with daily or weekly or monthly circulation of 2000 copies, or An employee of a newspaper or a media house or a radio channel or a private TV or a magazine with a minimum of three years of service Must have a salary account with Jammu and Kashmir Bank for a minimum of six preceding months before applying for a loan