AnonymousCustomer2026-06-21
Staff 5★Digital 2★Deposits 4★
Branch service is solid, but the app really needs work.
3.5Overall / 5
270Detailed reviews
24,440Community votes
#27Bankerpedia 30
AI summary
of 270 customer reviews
Updated 16 Aug 2026
Customers collectively report a positive experience with Deposits, scoring it 3.9 out of 5, and also appreciate the Staff behaviour and Loans, both scoring 3.6. However, Grievance redressal is the weakest area, with a score of 2.7. The overall sentiment is mixed, with some areas of strength and weakness. No dominant theme emerges from the reviews.
+ Deposits+ Staff behaviour+ Loans− Grievance redressal
Every rating and comment below is written by a verified member. This summary is generated from those aggregated scores and refreshed daily. It is community sentiment, not a statement of fact about the bank.
How customers rate Jammu & Kashmir Bank
Each area is scored out of 5 by verified members who actually bank here.
| What customers rate | Score | Stars | Ratings |
|---|---|---|---|
| Staff behaviour | 3.6/5 | ★★★★★ | 168 |
| Digital banking | 3.3/5 | ★★★★★ | 116 |
| Loans | 3.6/5 | ★★★★★ | 50 |
| Deposits | 3.9/5 | ★★★★★ | 98 |
| Grievance redressal | 2.7/5 | ★★★★★ | 130 |
| Charges & transparency | 3.6/5 | ★★★★★ | 102 |
Scores are adjusted for how many people rated, so a bank with a handful of ratings cannot outrank one with thousands. Star ratings do not affect the Bankerpedia 30 ranking, which is built only from positive and negative votes.
What people are saying
Real one-line experiences, newest first.
Kavita BansalCustomer2026-06-28
Staff 1★Grievance 2★
Rude response at the counter when I asked a basic question.
Sandeep YadavCustomer2026-07-05
Staff 2★Loans 2★Grievance 2★
Loan file sat untouched for a month until I visited in person.
Anjali RaoBanker2026-07-12
Digital 3★Grievance 2★Charges 2★
Debit card annual fee deducted despite the account being premium.
AnonymousCustomer28d ago
Digital 2★Grievance 3★
UPI fails often after 8pm, works fine in the morning.
Ishita GhoshCustomer21d ago
Deposits 3★Charges 4★
Locker rent has stayed flat for three years running.
Harish NambiarCustomer2026-06-08
Loans 5★Charges 5★
Prepayment had zero penalty, exactly as promised at signing.
Lakshmi SubramanianCustomer2026-06-15
Staff 4★Deposits 5★
Senior citizen FD rate here beat three other banks I checked.
AnonymousCustomer2026-06-22
Staff 5★Deposits 4★
Elderly parents were treated with real patience at the branch.
Kavita BansalCustomer2026-06-29
Digital 4★Grievance 4★Charges 3★
Failed transaction refunded in two days without me chasing it.
Sandeep YadavCustomer2026-07-06
Digital 4★Loans 3★
Net banking is plain but everything I need is two taps away.
Anjali RaoCustomer2026-07-13
Staff 5★Deposits 5★Charges 4★
Staff explained the whole FD ladder patiently, never felt rushed.
Loading more reviews