Verified Bank Tariff
Jammu and Kashmir Bank Limited Charges & Fees
- Charges verified
- 4
- 4 checked rules · 4 fee categories · 2 account variants
Complete official Schedule of Charges for Jammu and Kashmir Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
Jammu and Kashmir Bank Limited’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
Not verified yet
No official figure checked for this bank.
- RTGS
Not verified yet
No official figure checked for this bank.
- IMPS
Not verified yet
No official figure checked for this bank.
- NEFT
Bank’s figure
Free
- Minimum balance
Bank’s figure
Free
- Cheque return
Not verified yet
No official figure checked for this bank.
- Locker rent
Not verified yet
No official figure checked for this bank.
Verified Fee Categories for Jammu and Kashmir Bank Limited
Account closure charges1 checked entry
Basic Saving Bank Deposit Account · Branch
₹0 (Free)
Trigger Condition
J&K Bank Basic Saving Bank Deposit Account only.
Verified on 2026-08-15
Cheque charges1 checked entry
Basic Saving Bank Deposit Account · Branch
₹0 (Free)
Trigger Condition
J&K Bank BSBDA only; this zero-fee rule is limited to the minimum 25 cheque leaves per year. The page says beyond-allowance service may be charged under the extant schedule, but no amount is inferred.
Verified on 2026-08-15
Minimum balance charges1 checked entry
Basic Saving Bank Deposit Account · General
₹0 (Free)
Trigger Condition
J&K Bank Basic Saving Bank Deposit Account only.
Verified on 2026-08-15
NEFT charges1 checked entry
J & K Bank Pink Silver Saving Scheme for Women · Other
₹0 (Free)
Trigger Condition
J & K Bank Pink Silver Saving Scheme for Women only; NEFT initiated by the customer through E-banking or M-pay. The current page also states RTGS is free in the same digital scope, but this rule models NEFT only. No effective date is inferred from the page's Last Updated date.
Verified on 2026-08-15
What Jammu and Kashmir Bank Limited prints on your statementStatement narrations · 4 decoded
4 narrations decoded against Jammu and Kashmir Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
Annual Account Leakage AuditHow much is Jammu and Kashmir Bank Limited quietly deducting every year?
How much is Jammu and Kashmir Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official Jammu and Kashmir Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at Jammu and Kashmir Bank LimitedDispute & Refund Assistance · RBI three-level route
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email Jammu and Kashmir Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to Jammu and Kashmir Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (Jammu and Kashmir Bank Limited)4 questions
What is the minimum balance (AMB) requirement in Jammu and Kashmir Bank Limited?
In Jammu and Kashmir Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for Jammu and Kashmir Bank Limited?
Debit card maintenance charges at Jammu and Kashmir Bank Limited are billed annually based on card variant plus 18% GST.
Can Jammu and Kashmir Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), Jammu and Kashmir Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by Jammu and Kashmir Bank Limited?
To dispute a wrongful deduction at Jammu and Kashmir Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to Jammu and Kashmir Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).