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2026 Statistics
Key Facts: J&K Bank Banking Associate Exam
100
Exam Questions
IBPS Pattern
60 mins
Total Exam Time
20 mins per section
0.25
Negative Marks
For every incorrect response
UT Domicile
Mandatory Requirement
J&K or Ladakh residency
The J&K Bank Banking Associate exam is a 60-minute online test with 100 questions across English (30), Numerical Ability (35), and Reasoning (35). Sectional timings of 20 minutes and negative marking of 0.25 marks apply.
Sample J&K Bank Banking Associate Practice Questions
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1Read the following passage carefully and answer the questions that follow: The economic landscape of Jammu & Kashmir (J&K) is intrinsically tied to its unique geography and climate, which heavily favor horticulture and tourism as the primary drivers of growth. The horticulture sector not only employs a substantial portion of the rural workforce but also serves as the backbone of J&K’s export economy, with Kashmiri apples and saffron being globally renowned. However, the sector faces perennial bottlenecks, including inadequate cold-chain infrastructure, susceptibility to climate volatility, and transportation delays on the National Highway. Digital initiatives and institutional credit facilities, such as the J&K Bank’s specialized agricultural loans, have begun to alleviate some financial constraints, but infrastructural deficits remain. Simultaneously, the tourism sector, while highly lucrative, is highly sensitive to geopolitical shifts and environmental capacity. Sustainable development in the UT requires a balanced policy framework that enhances value addition in agriculture through food processing units while diversifying tourism beyond traditional hubs like Gulmarg and Pahalgam into offbeat destinations. Furthermore, boosting credit flow to local micro, small, and medium enterprises (MSMEs) can help build a resilient secondary sector, reducing the region’s over-reliance on primary activities and volatile services. According to the passage, which of the following is a major bottleneck facing the horticulture sector in J&K?
A.Complete lack of demand for Kashmiri saffron globally
B.Inadequate cold-chain infrastructure and highway transport delays
C.A total absence of institutional credit from regional banks
D.Over-reliance on secondary sector manufacturing industries
Explanation: The passage explicitly states that the horticulture sector faces perennial bottlenecks, including 'inadequate cold-chain infrastructure, susceptibility to climate volatility, and transportation delays on the National Highway.'
2Read the following passage carefully and answer the questions that follow: The economic landscape of Jammu & Kashmir (J&K) is intrinsically tied to its unique geography and climate, which heavily favor horticulture and tourism as the primary drivers of growth. The horticulture sector not only employs a substantial portion of the rural workforce but also serves as the backbone of J&K’s export economy, with Kashmiri apples and saffron being globally renowned. However, the sector faces perennial bottlenecks, including inadequate cold-chain infrastructure, susceptibility to climate volatility, and transportation delays on the National Highway. Digital initiatives and institutional credit facilities, such as the J&K Bank’s specialized agricultural loans, have begun to alleviate some financial constraints, but infrastructural deficits remain. Simultaneously, the tourism sector, while highly lucrative, is highly sensitive to geopolitical shifts and environmental capacity. Sustainable development in the UT requires a balanced policy framework that enhances value addition in agriculture through food processing units while diversifying tourism beyond traditional hubs like Gulmarg and Pahalgam into offbeat destinations. Furthermore, boosting credit flow to local micro, small, and medium enterprises (MSMEs) can help build a resilient secondary sector, reducing the region’s over-reliance on primary activities and volatile services. What recommendation does the author make to ensure the sustainable development of J&K?
A.Shifting the entire rural workforce from horticulture to high-tech manufacturing
B.Limiting tourism only to traditional spots like Gulmarg and Pahalgam
C.Increasing value addition in agriculture and diversifying tourism hubs
D.Stricter regulation to reduce credit flow to MSMEs to prevent bad loans
Explanation: The author suggests that sustainable development requires 'a balanced policy framework that enhances value addition in agriculture through food processing units while diversifying tourism beyond traditional hubs like Gulmarg and Pahalgam.'
3Read the following passage carefully and answer the questions that follow: The economic landscape of Jammu & Kashmir (J&K) is intrinsically tied to its unique geography and climate, which heavily favor horticulture and tourism as the primary drivers of growth. The horticulture sector not only employs a substantial portion of the rural workforce but also serves as the backbone of J&K’s export economy, with Kashmiri apples and saffron being globally renowned. However, the sector faces perennial bottlenecks, including inadequate cold-chain infrastructure, susceptibility to climate volatility, and transportation delays on the National Highway. Digital initiatives and institutional credit facilities, such as the J&K Bank’s specialized agricultural loans, have begun to alleviate some financial constraints, but infrastructural deficits remain. Simultaneously, the tourism sector, while highly lucrative, is highly sensitive to geopolitical shifts and environmental capacity. Sustainable development in the UT requires a balanced policy framework that enhances value addition in agriculture through food processing units while diversifying tourism beyond traditional hubs like Gulmarg and Pahalgam into offbeat destinations. Furthermore, boosting credit flow to local micro, small, and medium enterprises (MSMEs) can help build a resilient secondary sector, reducing the region’s over-reliance on primary activities and volatile services. Which of the following is closest in meaning to the word 'intrinsically' as used in the passage?
A.Superficially
B.Inherently
C.Accidentally
D.Temporarily
Explanation: In the passage, 'intrinsically tied' means tied by its very nature or fundamentally. 'Inherently' is the closest synonym.
4Read the following passage carefully and answer the questions that follow: The economic landscape of Jammu & Kashmir (J&K) is intrinsically tied to its unique geography and climate, which heavily favor horticulture and tourism as the primary drivers of growth. The horticulture sector not only employs a substantial portion of the rural workforce but also serves as the backbone of J&K’s export economy, with Kashmiri apples and saffron being globally renowned. However, the sector faces perennial bottlenecks, including inadequate cold-chain infrastructure, susceptibility to climate volatility, and transportation delays on the National Highway. Digital initiatives and institutional credit facilities, such as the J&K Bank’s specialized agricultural loans, have begun to alleviate some financial constraints, but infrastructural deficits remain. Simultaneously, the tourism sector, while highly lucrative, is highly sensitive to geopolitical shifts and environmental capacity. Sustainable development in the UT requires a balanced policy framework that enhances value addition in agriculture through food processing units while diversifying tourism beyond traditional hubs like Gulmarg and Pahalgam into offbeat destinations. Furthermore, boosting credit flow to local micro, small, and medium enterprises (MSMEs) can help build a resilient secondary sector, reducing the region’s over-reliance on primary activities and volatile services. What role do regional digital and banking initiatives play according to the text?
A.They have fully resolved all transport and highway bottlenecks.
B.They have helped mitigate some of the financial constraints of farmers.
C.They have caused farmers to rely less on crop yields and more on interest rates.
D.They have replaced food processing units as the main export driver.
Explanation: The text states that 'Digital initiatives and institutional credit facilities, such as the J&K Bank’s specialized agricultural loans, have begun to alleviate some financial constraints.'
5Read the following passage carefully and answer the questions that follow: The economic landscape of Jammu & Kashmir (J&K) is intrinsically tied to its unique geography and climate, which heavily favor horticulture and tourism as the primary drivers of growth. The horticulture sector not only employs a substantial portion of the rural workforce but also serves as the backbone of J&K’s export economy, with Kashmiri apples and saffron being globally renowned. However, the sector faces perennial bottlenecks, including inadequate cold-chain infrastructure, susceptibility to climate volatility, and transportation delays on the National Highway. Digital initiatives and institutional credit facilities, such as the J&K Bank’s specialized agricultural loans, have begun to alleviate some financial constraints, but infrastructural deficits remain. Simultaneously, the tourism sector, while highly lucrative, is highly sensitive to geopolitical shifts and environmental capacity. Sustainable development in the UT requires a balanced policy framework that enhances value addition in agriculture through food processing units while diversifying tourism beyond traditional hubs like Gulmarg and Pahalgam into offbeat destinations. Furthermore, boosting credit flow to local micro, small, and medium enterprises (MSMEs) can help build a resilient secondary sector, reducing the region’s over-reliance on primary activities and volatile services. Which word from the passage is the opposite of 'alleviate'?
A.Aggravate
B.Alleviate has no antonym in common English
C.Enhance
D.Diversify
Explanation: 'Alleviate' means to make a problem or suffering less severe. Its opposite is 'aggravate,' which means to make something worse or more serious.
6Read the sentence to find if there is any grammatical error in it. The error, if any, will be in one part of the sentence. 'Neither the manager (A) / nor the clerical staff (B) / were present at (C) / the bank branch yesterday. (D)'
A.Neither the manager
B.nor the clerical staff
C.were present at
D.No error
Explanation: The sentence is grammatically correct. When joining two subjects with 'neither... nor', the verb agrees with the closer subject. Here, 'clerical staff' is treated as a plural noun (or a collective noun with plural intent referring to staff members), so the plural verb 'were' is correct.
7Read the sentence to find if there is any grammatical error in it. The error, if any, will be in one part of the sentence. 'One of the major reason (A) / for the increase in digital banking (B) / is the convenience (C) / it offers to senior citizens. (D)'
A.One of the major reason
B.for the increase in digital banking
C.is the convenience
D.it offers to senior citizens.
Explanation: The phrase 'one of the' must always be followed by a plural noun. Therefore, 'reason' should be corrected to 'reasons'.
8Read the sentence to find if there is any grammatical error in it. The error, if any, will be in one part of the sentence. 'Hardly had the customer (A) / entered the bank premises (B) / than the fire alarm (C) / started ringing loudly. (D)'
A.Hardly had the customer
B.entered the bank premises
C.than the fire alarm
D.started ringing loudly.
Explanation: The adverb 'hardly' is always paired with the conjunction 'when' or 'before' to connect clauses, not 'than' (which is paired with 'no sooner'). Thus, 'than' should be changed to 'when'.
9Read the sentence to find if there is any grammatical error in it. The error, if any, will be in one part of the sentence. 'The board of directors (A) / has approved the new loan policy (B) / but it has not yet (C) / declared their final decision. (D)'
A.The board of directors
B.has approved the new loan policy
C.but it has not yet
D.declared their final decision.
Explanation: The subject 'The board of directors' is a collective noun acting as a single unit (as indicated by the singular verb 'has approved' and pronoun 'it'). Therefore, the possessive pronoun referring to it must also be singular. 'their' should be corrected to 'its'.
10Read the sentence to find if there is any grammatical error in it. The error, if any, will be in one part of the sentence. 'Although J&K Bank has expanded (A) / its branches across the country, (B) / but it remains deeply rooted (C) / in its home territory. (D)'
A.Although J&K Bank has expanded
B.its branches across the country,
C.but it remains deeply rooted
D.in its home territory.
Explanation: The conjunction 'Although' should not be paired with the conjunction 'but' in the same sentence as it creates a double conjunction error. Removing 'but' corrects the sentence.
About the J&K Bank Banking Associate Exam
The J&K Bank Banking Associate exam is a competitive recruitment test for clerical-cadre positions at Jammu & Kashmir Bank. The exam is conducted online as an objective test of 100 marks with 100 questions. It consists of three sections: English Language (30 questions), Numerical Ability (35 questions), and Reasoning Ability (35 questions). Each section has a dedicated time limit of 20 minutes (total 60 minutes). A negative marking of 0.25 marks applies to incorrect answers. Candidates must qualify in each section by clearing sectional cut-offs and score high enough in the overall merit list to be shortlisted for document verification.
Questions
100 scored questions
Time Limit
1 hour
Passing Score
Sectional and aggregate cut-offs determined by J&K Bank
Exam Fee
₹1,000 (General/OBC) / ₹800 (SC/ST/PWD) (Jammu & Kashmir Bank (exams conducted via IBPS))
J&K Bank Banking Associate Exam Content Outline
30%
English Language
Reading comprehension, cloze test, fillers, error detection, sentence correction, para jumbles, and vocabulary.
35%
Numerical Ability
Simplification, number series, quadratic equations, data interpretation, and arithmetic topics like profit & loss, interest, and ratios.
35%
Reasoning Ability
Puzzles and seating arrangements, syllogisms, inequalities, coding-decoding, blood relations, direction sense, and alphanumeric series.
How to Pass the J&K Bank Banking Associate Exam
What You Need to Know
- Passing score: Sectional and aggregate cut-offs determined by J&K Bank
- Exam length: 100 questions
- Time limit: 1 hour
- Exam fee: ₹1,000 (General/OBC) / ₹800 (SC/ST/PWD)
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
J&K Bank Banking Associate Study Tips from Top Performers
1Master basic grammar rules and read English newspapers daily to improve reading speed and comprehension.
2Practice speed math techniques, including squares, cubes, tables, and simplification shortcuts, to secure quick marks in the Numerical Ability section.
3Develop a systematic approach for puzzles and seating arrangements, as they carry significant weight in the Reasoning Ability section.
4Take timed sectional mocks regularly to get comfortable with the 20-minute time constraint.
5Analyze your mock test mistakes to identify weak areas and prevent negative marking in the actual exam.
Frequently Asked Questions
What is the J&K Bank Banking Associate exam?
The J&K Bank Banking Associate exam is a competitive recruitment exam conducted for clerical positions in Jammu & Kashmir Bank. It is a single-stage online computer-based test testing English, Numerical Ability, and Reasoning.
Is there sectional timing in the exam?
Yes, the exam has a total duration of 60 minutes, with exactly 20 minutes allotted to each of the three sections: English Language, Numerical Ability, and Reasoning Ability. You cannot switch between sections.
What is the negative marking policy?
Yes, there is a penalty of 0.25 marks for every incorrect answer. There is no negative marking for unattempted questions.
What is the eligibility criteria for the J&K Bank Banking Associate exam?
Candidates must hold a graduate degree in any discipline from a recognized university and be domiciles of Jammu & Kashmir UT or Ladakh UT. The age limit is typically 20 to 30 years.
How is the final selection determined?
Final selection is based on the marks secured in the online written examination. Candidates must clear both the sectional and overall cut-off marks to be shortlisted for document verification.