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		Jammu & Kashmir Bank
				Jammu & Kashmir Bank (J&K Bank) is the only Bank in the country with majority ownership vested with a state government – the Government of Jammu & Kashmir. J&K Bank functions as a universal bank in Jammu & Kashmir and as a specialised bank in the rest of the country. It is also the only private sector bank designated as RBI’s agent for banking business, and carries out the banking business of the Central Government, besides collecting central taxes for CBDT.
		J&K Bank follows a two-legged business model whereby it seeks to increase lending in its home state which results in higher margins despite modest volumes, and at the same time, seeks to capture niche lending opportunities on a pan-India basis to build volumes and improve margins.
		Jammu & Kashmir Bank Head Office M A Road Srinagar 190 001 Tel  : +91 0194 2481930 / 2481935 Website: www.jkbank.net Banking Hours‎: Mon - Fri : 9.30am - 5.00pm‎ Swift Code : JAKAINBB
	Jammu & Kashmir Bank operates on the principle of ‘socially empowering banking’ and seeks to deliver innovative financial solutions for household, small and medium enterprises.
	Jammu & Kashmir Bank have a major role when it comes to serving the Indian people with their savings since they made the banking services more efficient and customer friendly in that many Indians now are safe to keep their savings without any doubt and on top of that they have make other bank to be a competition.
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