Jammu & Kashmir Bank / J&K Bank Complaints & Reviews

am writing this letter to inform you about the misbehaviour by the branch manager of J&K bank khoon, Majalta in district Udhampur. My father, an illiterate person applied for the Kisan Credit scheme . The manager who is looking after the loan was not behaving properly and talking very rudly .he even never gave proper and complete information regarding kcs loan and everyday he is asking for new documents and for a guaranter.When next time my father visited with a guaranter, he misbehaved with my father and also with the guaranter and asking for the guaranter with govt. Job which he had not told earlier. On 1 st nov 2014 when i, ajay sharma having qualification MCA went to bank along with my father and and inquired about the formalities that bank manager talked very rudly and told me that this bank is not distributing free money and not only this he threw my papers also. It was really very insulting on my part and i want to know that is tha the manner your staff behave with your customer? I request you to take proper actions against that bank manager against whom every third person in locality has complaints.

SIR,

MR SAJAD AHMAD DAR
R/O CHANNA MOHALLA CAHTTABAL SRINAGAR
JAMMU AND KASHMIR 190010
HAS TAKEN THE LOAN FACILITY FROM J&K BAKK BATMALOO 190009 IFSC CODE JAKA0PATHER, MICR CODE[protected] UNDER THE CATEGORY JK BANK SAHOLIAT/SARAL FI BEARING ACCOUNT NO. [protected] ON MARCH 2012 UNDER TWO REFERENCES AS PER FOLLOWING DETAILS

TAJDAAR AHMAD FAROOQUI
CHANA MOHALLA CHATTABAL
[protected]

FIRDOUS IQBAL
DEPARTMENT OF ARABIC
UNIVERSITY OF KASHMIR SRINAGAR
[protected]
WITH THE UTMOST HELP OF THE THEN BRANCH MANAGER ALONG WITH SOME OTHER BANK OFFICIALS. WHEN I ASKED THEM WHY YOU NEED OUR SECURITY TO OFFER THE LOAN TO THE BORROWER THE OFFICIALS REPLIED THAT THE BORROWER HAS MORTGAGED THE PAPERS OF HIS SHOP IN CASE HE FAILED TO RETURN THE AMOUNT WE WILL CEASE HIS SHOP.
THE BORROWER HAS BECOME DEFAULTER NOW AND THE AUTHORITIES OF BATMALOO BRANCH DEDUCTS THE HUGE AMOUNTS FROM OUR ACCOUNTS WITHOUT MAKING ANY INFORMATION.
ON APPROACHING THE BRANCH THE PRESENT BRANCH MANAGER MISBEHAVED ,QUARRELED AND ABUSED US SINCE HE IS FRIEND OF SOME BRANCH MANAGER WHO HELPED THE BORROWER.
IT IS AS SUCH REQUESTED THAT THE BORROWER BE CALLED UPON TO SUBMIT THE BALANCE OF LOAN AMOUNT BY TAKING ANY STEPS FOR RECOVERY AND OUR ACCOUNTS MAY NOT BE DEDUCTED ANYMORE SO THAT WE MAY NOT SUFFER.

Sir,
i lost my ATM repin no. during a travel from srinagar to ganderbal.
i have applied fpin number before 2 months but the bank auth. has not issued my ATM repin number yet

Sub: Misbehavior of Mr. Farhat Abass, Manager J&K Bank, Nandipora Hazaratbal,
(Opposite Kashmir University) Srinagar.
Sir,
With due respect, I wish to say that my salary account bearing A/c No. SB 780 in J&K Bank, Baba gulam shah Badshah university, Rajouri has been liened in December, 2012 without any prior notice by J&K Bank, Nandpora Hazaratbal, Srinagar because of the reason I stand guarantor of Mr. Nissar Ali in 2002 for a CC Account 504. I discussing the matter with Manager J&K Bank Nandpora Hazaratbal, Srinagar namely Mr. Farhat Abass, . He ensured that, when the account will be under limit borrower will be allowed to regulate the account and simultaneously your account will be unliened. Meanwhile borrower has paid Rs. 30,000/ to make the account under limit and requested Mr. Farhat Abass to allow him to regulate his CC account .But Mr. Farhat Abass denied his commitment which makes borrower unable to regulate his account.instead of this Mr Farhat Abass warned the borrower to liquidate all of the amount (1.5 Lac) immediately in the month of January, 2013.
It is pertinent to mention that, there was the serious incident to the borrower as his mother was in Comma and admitted in SKIMS, Srinagar. After a long illness she expired on 24th of January 2013. On the same day Manager, Farhat Abass lined my account again without any notice despite I had already given my Phone No. to the same Manager for communication but he did not communicate to me. At that time I was on deputation to Jammu University where I visited ATM for withdrawal of money and found my account leined.I immediately called Manager Farhat Abass and requested him to please unliened my account till my deputation is over. I repeatedly requested that I do not have a single rupee in my pocket but he denied my request harshly. I requested him that there is a serious incident with the borrower as his mother expired to which he replied that I have nothing to do with her death and said let her go to hell, to which I replied that since you are a responsible person and should not say like this. After that he crossed all the limits and used un-parliamentary language and abused me.
When he abused and talked rude it hurted deep down my soul and he even didn’t stopped from calling me a beggar. Being a borrower is not a crime and being a guarantor of a poor is not a sin. It is routine, borrowing money from bank. I have a good image of J&K bank as the institution had always helped me in hard times and I have been borrower of the Bank for three times. Two of my loans I have liquidated within one year and currently I still stand as borrowers of J&K Bank but I have never been a defaulter. Sir the growth of bank is not only because of the good business but also due to the customer friendly and gentle attitude of Officers & other employees but person like Mr. Farhat Abass can ruin the image of Bank as he is not capable of public dealing, He also forcing me go to court of law to un lien my account. Before this incident you might have received complaints for ill attitude of Mr Farhat Abbas.. I have never heard that officials of your institution abuse a guarantor or a borrower not at least in such circumstances.
As I am an employee of the University taking 36,000 rupees net salary out of which 10,000 is my installment of Loan in J&K Bank. The rest of 26,000 I have to serve my family as my mother is diabetic & phyceatric patient but this month I could not purchase medicine for her it put me in mental trouble. Due to financial stress I am not able to prepare my classes well and it affecting my efficiency.
You are requested to forward my application to un-lien my account and also take a stern action against Mr. Farhat Abass. I also request your good self to farwad my request to chairman to nominate any other efficient officer for negotiation and decision may be communicated to the below given email-id and Phone No. Till the negotiation is over, I may be allowed to withdraw salary from my account.

Thanking you
Yours faithfully

Mir Aijaz Ahmed,
Assistant Professor
Department of Civil Engg.
COET, BGSB University,
Rajouri J&K – 185131
Email: [protected]@gmail.com
Ph: [protected], [protected]

At Tehsil Premises Branch Bandipora of J&K Bank, there is lack of customer care service. We are not being attended by the staff of the bank branch, resultantly we lose a lot of time there. This has caused mental agony to us of the bank branch. I went twice to the bank along with old cheque book for its replacement as per instructions issued by the headquarters of the bank through electronic media, but the man sitting on the chair of Manager has refused to take my old cheque book by saying that come next time and is reiterating the same. I want cooperative staff in the bank branch who may deal with the public politely and it is humbly requested to the higher authorities so that the dignity of the bank is maintained. The J&K Bank having highest rank in its field of work, must have sensitive customer care service. A security guard deployed in the bank misuses his powers by resorting to undue interference in the affairs of the public in the bank. A good customer care service can attend all the customers especially those who need their help, but the bank in absence of this service look like that of a butcher's shop.

Dear Sir,

I am holding a cash credit account in the name of M/s.Aboobaker Ebrahim Soorya with The Jammu and Kashmir Bank Ltd. Mohd Ali Road Branch, Mumbai-3 with a overdraft / cash credit limit of Rs.2 crores since last 6 to 7 years.

Last time they renewed my limit with a rate of interest @14.5% since it was not acceptable to me, I approached another bank and got an instant sanction of a Cash Credit Limit of the same amount @13.5% interest p.a during July 2012.

The new bank who offered me a sanction @13.5% sent a letter to Jammu and Kashmir Bank and asked for a Credit Report and immediate Transfer of CC Account to their bank against my collateral documents with Jammu Kashmir Bank.

The Branch Head of JK Bank did not respond to the new bank and asked med verbally to wait as he promised that based on this new bank’s sanction letter he will reduce 1% interest and consider 13.5%.

I kept reminding them but they kept charging me 14.5% and also they did not give any reply to new banker despite of their several reminder for the transfer of CC Account. During December 2012, Jammu Kashmit Bank Ltd. Offered me increased amount of CC Limit with renewal and offered me an interest rate of 15.5% that shocked me.

I made complaint to the Chairman of the bank but instead of making comfort to me the Zonal Office Staff called me and insulted me and shouted me for my complaint I made to the chairman of the bank.

At last I wrote them official letters and the new banker sent them repeated reminders and today on 18th Dec 2012 I got my account transfer from Jammu Kashmir Bank to new bank Janakalyan Sahakari Bank Ltd. Now I asked Jammu Kashmir Bank to reverse me interest @1% for the period of July 2012 to December 2012 that they kept me pending in their bank with no reason but they refused to give me credit for the same.

I was forcefully hold by Jammu Kashmir Bank with higher rate of interest despite of other bank’s lower rate of interest offer. Please help me to get the reversal and refund for the difference amount for the period they hold me with their bank.

sir,
recently i went to deposit money in my j&k bank acc. at dalgate branch. the parking area of bank building as usual remained closed and i had to park my scooty on roadside as the said parking has been kept reserved for bank employees and shopkeepers of that building.on returning i found some police officials had deflated tires of all vehicles even though they knew that the customers are not allowed to park the vehicles in the parking area of that building and i had to walk 3 to 4 km to repair my scooty . if j & k bank cannot keep the parking area open for customers they should close their banks rather than causing trouble to the customers and this is not the only branch where this type of inconvenience is faced by customers some other branches are nowhatta , khanyar etc .in addition to this i think kashmir police always try to find ways to trouble the general public while as no such action is taken against the influential people who park their cars at important places , there they act as mute spectators . if they cant help people they should not trouble them also.

Hello Sir,

i got an education loan of Rs 5Lacs in 2008. According to the banks regulations i need to repay loan one year after completing of my course or 6 months after getting the job. i am being paying interest of rs Rs 4000 every month since then. i emailed many times my bank asked them tolet me know how much i need to pay for my installment and when i need to start. i gave them my account number and asked them to deduct money from that only. But after a year now bank deducted Rs 15000 from my Dad's account and Rs9000 from my account and put me in banks NPA list . When i asked they said you are a default. i didnt understand how? when i gave them authority and emailed them to deduct money at time why they can now ask me to deposit lacs of money at the single go. Please help me in this my Dad is a pension holder and i dont want that bank to withdraw money from his account.

sir..............................ths is damini sharma having account no.0093SB15001 in j&k bank....branch- sunderbani....distt--rajouri.....
sir i went to transact rs3500 from kachi chawni j&k bank atm...........but in between machine get out of service.............but in ths whole process money has deducted frm account........transaction was nt completed but money has deducted...................plzzzzz refund ths amount.............

Ref: - AC1506-11 Dated:[protected]

Honorable Chairman
Jammu & Kashmir Bank Ltd;
Corporate Head Quarters
M.A.Road Srinagar

Sub: - Refusal of Opening of Account of account at B/U N.I.T (REC)
Hazratbal Srinagar.
Respected Sir,

I am “AAY” Class contractor of Central Public Works Department &
presently executing the construction of Double Storied Building of 2
Nos. of Lecture Halls from last three years in NIT Srinagar. I
frequently receive cheques/payments from various quarters/NIT .Since
I am maintaining three accounts CD-1700 ,CD-1701, SB53570 with your
business unit chanapora(kindly view my said account) and to be very
honest I am highly impressed by the services they are giving to every
customer and I always receive good response from them every time when
I used to go to the branch. I am highly satisfied with the services of
B/U Chanapora , while as see the arrogance & negative attitude & mean
mentality of your another branch head (N.I.T Hazratbal)
...................
I am working for last three years in NIT ,executing the work orders
which have been allotted to me by CPWD to be executed at NIT Sgr. I
receive payments from CPWD as and when I complete certain portion of
allotted work . I use to pay the payments to the suppliers of raw
material and some the labourers through cheques drawn on B/U chanapora
and often they insist me to pay either cash or cheques drawn on
nearest bank , for the convince of my suppliers/labourers I went to
your NIT branch for opening of new account to ease my dealers . I
provided all the required information in the prescribed form (a/c
opening ) and attached attested Xerox copies of my pan card, passport
and further more introduced by one of the old customer of this branch
who is Head drafts man construction Division NIT SB-576.Firstly when
I submitted my completed form with one of the officials at counter she
refused to accept my form and told me that we can’t open your account
as you are not the resident of this locality. Then I went to Branch
Head and told him all the facts/reasons why I want to open account
with your business unit. After listening all ,he too told me that we
can not open your account here ,then I told him one point only that Is
this a rule that I can’t open account here when I am related/linked
with NIT for last three years and have to be here for further 4 years
, instead of explaining any thing he just pushed the bell and called
his guard and instructed him to drag this person out.
On one side you have social obligations to entertain every resident of
the state ,to whom this bank belongs to, secondly you are claiming
,shouting that this is one billion dollar company giving the best
services than other banks but , with the attitude of such officers of
your bank I must say this is the worst bank ,undisciplined, with
unprofessional man power deputed in the branches like the branch Head
NIT Sgr.
I should expect that the branch head concerned should be put to task
and accordingly I may be informed about the action you would take in
the matter as I am going to put my grievances at all high level
banking forums. I will be waiting for your reply/action for two days
,otherwise I have courage and sources that I will teach him lesson my
self and will let him know what the law says about the customer
services under Banking regulatory acts.

With high respects & regards

Yours faithfully,

Customer, Mir Masood Niyazi
Contractor (CPWD) working presently
At NIT(REC) Hazratbal, Srinagra
Contact. [protected]
Copy for action to:-
1) Incharge grievance Cell J & K Bank Ltd.
2) Zonal Head J & K Bank Kashmir
3) Consumer forum J & K state.
4) J & K Bank employees Union
5) Grievance Cell R B I Jammu.

Dear Sir,
I have a Salary A/c (S/B 8149) with J&K Bank Branch Office Old Secteriate, Srinagar. The A/C has been freezed suddenly without any intimation. This fact came to my knowledge when I went to ATM for fetching some amount for procuring important medicine for my 02 year child. But to my utter surprise the statement issued from the ATM reflects a balance of Rs -88711/-. I went to JK Bank Branch Old Sectt. for clarification. They told me that they have received a mail for freezing your account from JK Bank Branch Office Solina in connection with locker. When the Branch Manager of the JK Bank Branch Office Solina was contacted, he told that you have a Locker (Locker A/C No.194) jointly operated by one of the staff member of the bank posted in the same branch and you; and they have received a request from that employee for closure of this joint locker. Now, we got your salary account number from other partner of the locker and freezed your salary account to inform you for the application received from the other partner of the a/c no. 194. Without informing me they have also debited an amount of Rs 750 as rental for the locker from my salary account. Previously we used to pay only Rs 375 as rent as the same locker a/c was under staff category.
But I want to know whether JK Bank can change the category of the locker from Staff to Public without informing me and can freeze my salary account to make me inform about the application received from the other partner of the locker account.
But my question is ISN’T THIS HARRASSMENT ON THE PART OF JAMMU & KASHMIR BANK to resort to such extreme measures of freezing my salary a/c for no apparent fault of mine and loss of face in addition to mental and physical TRAUMA when my debit card was also unable to withdraw the money, for MEDICINE.

With regards,

Nighat Gani

I am account holder of JK Bank Seelu (Sopore) under account no. SB 5142.I was in Dehradun and i went to United Bank of India ATM located in Premnagar on 26 06 2011. i with draw Rs 500.0 but as soon as cash comes out it gone back in to ATM machine.I contacted concerned branch manager but till date the deduced cash was not refunded.
I request your good self please try to solve out the issue.It would be yours high regard.
yours prestegous costume
AJAZ AHMAD
Contact:[protected]

I have taken loan from J&K bank Branch (Brein) in August 2009 . The loan was for the course of MBA at Lovely Professional University Punjab .The ministry of Human Resources issued a notice for subsidizing full interest on the Education loans taken from session[protected] April 2009) .The eligibility for this subsidy is to have an upper limit of 4.5 lac income per annum which my father has already deposited with the bank when he took the loan . My father has approached bank authorities many times and they are ignoring the case time and again giving the plea of one and other things.

SIR HOW MUCH TIME J&K BANK TAKES TO ISSUE A DUPLICATE ATM CARD AND E-BANKING FACILITY . I HAVE APPLIED FOR ATM CARD FOR THE LAST 45 DAYS AND FOR E-BANKING 30 DAYS . THE INCHARGE TALKS IN AN IMPOLITE MANNER. HE SAYS FIRSTLY YOUR ATM CARD COMES AND THEN I WILL GIVE YOU E-BANKING FACILITY.WHAT IS THE RELATION BETWEEN THESE TWO THINGS. WHAT SHOULD I DO ?

j&k bank not releasing Rs- 357000
i have deposited two cheques to my bank PNB badambagh, srinagar on[protected] amounting Rs-357000. the said cheque were sent for collection on same day to J&K bank Budgam branch, distt. Budgam, kashmir. which is hardly 15km and half an hour drive from srinagar. till date the J&K Bank didnt released the payment of said charges to my lone A/C namely M/S Mohmad Salim Rather. A/C no. [protected]. detail of the cheques are as under.

1. cheque no: 00009272 dt: 15-03-11 Rs- 297000/-

2. cheque no: 00009293 dt: 15-03-11 Rs- 60000/-

total---- Rs- 357000/-

both cheques are isuued by LIC of India payable at J&K Bank Budgam, favouring PNB. B.B.Cantt. my representative also requested to the branch manager to release the above amount and he informed that the same will be released after 1st April 2011, when my banker is charging 13% interest on my outstanding balance.

kindly help release this amount along with the interest before 31st march

THE BRANCH MANAGER AWANTIPORA HAS NO KNOWLEDGE OF NEFT,RTGS,NETBANKING.I SALMAN BASHIR MAKROO WENT TO JKBANK AWANTIPORA ON 13/12/2011.I ASKED BRANCH MANAGER I HAVE TO TRANSFER SOME AMOUNT INTO OTHER BANK THROUGH NEFT ,HE TOLD ME I HAVE NO TIME COME LATER .SO ,I REQUEST U TO KIND TAKE PROMPT ACTION AGAINST HIM .BECAUSE HE IS NOT GIVING GOOD WELCOME TO CUSTOMERS.I AM OPERATING MANY ACCOUNTS IN JKBANK AWANTIPORA LIKE CC267,CC1
YOUR PRESTIGIOUS CUSTOMER
SALMAN BASHIR
[protected]

Jammu and Kashmir bank has posted my personal phone number as the customer care number for their customers !
My personal number is [protected] and it is displayed prominently on their debit cards and ATM booths. I however have no current or past relation with J&K Bank.
I get numerous calls every day from J&K bank customers who want to share their financial information.

It has been 5 months since I informed them about this issue but nothing has been done.
Clearly the bank does not give two hoots about the nuisance it causes to me or the inconvenience hundreds of their customers face !

i have a credit card issued from J&K bank three years back.. now the card has Expired.. I have successfully maintained mine Credit card account for three years i.e. timely paying of bills etc.. but now when I approched the back to get mine renewed card .. the incharge said they have changed the policy like.. if i dnot have any saving account they wont give the card... how can they say that ... why they have opened mine account three years back... i want to fight this out.. please suggest

I used the ATM of Jammu & kashmir bank Parede kanpur nagar on 13/10/10 at 5 pm but the ammount was not disburse from machine but the ammount debited in my accounnt. after that i receive the memo that UNABLE TO DISPENCE i lodged thhe complaint at Union bank of india on 20/10/10 but the ammount was not crediited in my account. the particulars are :-

Debit cardno.[protected] Union Bank of India
Account No.[protected] Neeraj Tandon Dt. 13/10/10 Txn 0138 J& K bank

I SOLD MY HOUSE TO AHSANUDDIN & BILKIS BANO AGAINST ABOVE PAY-ORDER NO.444363 DATED 14.08.2008 FOR RS.11,00,000/-FAVOURING BABULAL JAIN S/O KAPOOR CHAND JAIN , AS A/C PAYEE ORDER INSTRUMENT ISSUED BY THE BANK ON ACCOUNT OF SALE VALUE OF MY HOUSE NO. 1 GA 8 SHASTRI-NAGAR HOUSING BOARD JAIPUR. I SIGNED SALE DEED IN SUB-REGISTRAR OFFICE JAIPUR ON 14.08.2008 ON THE BASIS OF ABOVE PAY-ORDER , WHICH HAS BEEN REGISTRED IN SUB-REGISTRAR JAIPUR OFFICE ON 14.08.2008 AT BOOK NO 1 ZILD NO. 568 PAGE NO.66 SERIAL NO.[protected] & IS PASTED AT ADDL BOOK NO.1 ZILD 2258 PAGE 198 TO 211. I HAVE GIVEN THE POSSESSION TO PURCHASER , WHERE HE IS RESIDING ,WITH HIS FAMILY SINCE SEPTEMBER 2008. BUT STILL THE BANK HAS NOT MADE ME THE PAYMENT . THE PURCHASER HAS MANAGED THE BANK FOR NOT MAKING ME PAYMENT , SO PLEASE LOOK INTO THE MATTER AND MAKE ME THE PAYMENT AT THE EARLIST ,BECAUSE I SOLD MY HOUSE TO PURCHASER ONLY ON THE BASIS OF SAID PAY-ORDER AND I HAVE HANDED OVER ALL THE DOCUMENTS / PAPERS TO THE PURCHASER.NOW I DONOT HAVE NEITHER THE PROPERTY PAPERS NOR THE POSSESSION .THE BANK AND THE PURCHASER HAS CHEATED ME, I AND MY FAMILY IS FACING LOT OF FINANCIAL LOSSES FOR THAT BANK IS RESPONSIBLE , MANY SOCIAL OBLIGATIONS REMAINED UN- FULFILLED RESULTING MY PRESTIGE DOWN.SO KINDLY TAKE-UP THR MATTER SERIOUSLY & GIVE ME JUSTICE BY MAKING ME PAYMENT ALONGWITH PROPER COMPENSATION . PLEASE GIVE HARD PUNISHMENT TO THE GUILTY BANK OFFICIALS WHO TRIED TO FROUD ME .THANKS,