The Jammu & Kashmir Bank Limited (J&K Bank) is a significant private sector bank rooted in the scenic Jammu and Kashmir region of India. Founded on October 1, 1938, by Maharaja Hari Singh with an initial capital of ₹5.00 Lakh, it was a pioneer as a state-controlled bank with public participation. Despite historical challenges like branch loss during the Indo-Pakistani War of 1947–1948, J&K Bank has been central to the area's economic growth.

Achieving the status of a scheduled bank in 1971 and an ‘A’ class bank designation by the RBI in 1976 were key milestones. In 2013, during its platinum jubilee, it reported a business turnover of ₹1000 billion, confirming its financial stability. Beyond banking, J&K Bank actively participates in community services and development, especially in Jammu, Kashmir, and Ladakh.

As of June 3, 2024, J&K Bank boasts 2400 service points, including 1001 branches and 1388 ATMs, with a significant footprint in the Union Territories of J&K and Ladakh. The bank has broadened its services to include corporate and retail banking, financial services, and investment through JKB Financial Services Limited. It also supports rural banking via J&K Grameen Bank.

J&K Bank's proactive approach is evident in its top four ranking among financial institutions in India for digital payment targets under the 'Digital India' initiative in July 2020. Despite successes, the bank has faced controversies, including allegations of corruption, leading to scrutiny by the Anti-Corruption Bureau and Enforcement Directorate.

Today, J&K Bank remains pivotal, driving socio-economic development in its region with a future-focused strategy. Its journey epitomizes resilience, community commitment, and the ongoing modernization of banking services, ensuring a progressive path forward while maintaining a legacy of trust.