• Minimum AQB of Rs 500/-(With Cheque Book) & Rs 300 (without cheque book).
  • Free cash withdrawals at branch (up to 5 per month).
  • Free International Gold Debit Card issued with an ATM withdrawal limit of Rs 0.40 lac/day & PoS transaction limit of Rs 1.0lacs.
  • Nomination facility available.
  • Free e-banking facility.
  • A person in his/her name.
  • More than one person in their joint names.
  • Minor through parents/guardian.
  • Literate minors above 10 yrs of age.
  • Application Form.
  • Photograph of depositor/s (2 copies)
  • Documents as  per KYC Norms
  • PAN Card or Form 60 or 61
  • Any other related document applicable to Minors, etc

Who can open a General Savings Account with J&K Bank?
General Savings account can be opened by individuals, either singly or jointly, Parents/ Guardians on behalf of minors, literate minors above 10 years who can sign regular, and organizations, etc allowed by RBI.

What is the minimum Average Quarterly Balance required to be maintained?
You are required to maintain an AQB of Rs 500/-for accounts with Cheque book facility and Rs 300/- for accounts without cheque book facility..

What are the benefits of the General Savings Account?
You can avail the following benefits:

  • Free cash withdrawals at branch (up to 5 per month).
  • Global Access Debit Card issued with an ATM withdrawal limit of Rs 0.40 lac/day & PoS transaction limit of Rs 1.0lacs.
  • Nomination facility available.
  • Free e-banking facility.
  • Interest compounded quarterly and calculated on daily products.