The Jammu and Kashmir Bank Limited offers a wide range of banking products and services. It operates through various segments including Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business. The bank provides different types of accounts such as savings, current, salary, pension, and small accounts, as well as term deposits. Additionally, it offers a variety of loans including housing, consumer, education, car, and personal consumption loans, among others. The bank also provides financing services for laptops/PCs, smartphones, school education, modular kitchens, solar equipment, and two-wheelers. It offers cash credit schemes, loans against gold ornaments and jewellery, and various other financing services for commercial vehicles, buses, craftsmen, and tourism. The bank also provides mortgage loans, credit cards, insurance products, and merchant acquiring services. As of March 31, 2022, the bank operated 980 branches and 1404 ATMs in India, serving a diverse range of customers including business enterprises, government employees, farmers, artisans, and corporate clients. The Jammu and Kashmir Bank Limited was established in 1938 and is headquartered in Srinagar, India.