Jammu & Kashmir’s rural banking system has moved into a new phase. Under the “One State, One RRB” reform completed on May 1, 2025, the former Ellaquai Dehati Bank (EDB) and the earlier J&K Grameen Bank were merged into a single institution now officially known as Jammu and Kashmir Grameen Bank.
The unified bank is headquartered in Jammu, sponsored by J&K Bank, and in 2026 operates 330+ branches across the entire Union Territory from Jammu plains to Kashmir valley and remote hill districts. For customers, services remain familiar, but timings and internal discipline are now fully standardised.
Jammu and Kashmir Grameen Bank Opening Time
Most branches begin public-facing services at 10:00 AM on working days.
Staff arrive earlier for security checks and system preparation, but customer transactions officially go live at 10:00 AM. Reaching much earlier usually means waiting.
Best time to visit: 10:00 AM to 11:30 AM, when counters are fully active and queues are manageable.
Jammu and Kashmir Grameen Bank Closing Time & Office Hours (2026)
There is now a clear difference between transaction timing and office hours:
- Customer transactions: Stop at 4:00 PM
- Official office hours: Extend until 5:00 PM
While staff remain inside the branch until 5:00 PM for reconciliation and reporting, public entry is normally not allowed after 4:00 PM. In remote or sensitive areas, entry may be restricted slightly earlier due to security protocols.
Practical advice: Enter the branch by 3:30 PM to avoid being turned away.
Jammu and Kashmir Grameen Bank Cash Transaction Timings
Cash handling follows a strict cut-off.
- Cash deposit and withdrawal: 10:00 AM to 3:30 PM
Even though customer services continue until 4:00 PM, cash counters usually close at 3:30 PM to allow time for balancing and secure handling.
If your visit involves cash, plan to arrive before 3:00 PM.
Jammu and Kashmir Grameen Bank Lunch Time Practice (2026)
Branches do not close for lunch, but service slowdown is now clearly defined.
- Standardised lunch slowdown: 2:00 PM to 2:30 PM
During this 30-minute window:
- Fewer counters may be active
- Officers handling specialised work may be unavailable
- Overall processing speed slows
This is the single slowest period of the day, so avoid it if you want quicker service.
Scale of Operations & What Old Customers Should Know
With the merger complete, the bank now runs as one unified system across 330+ branches. Customers from the former Ellaquai Dehati Bank should note:
- Your branch is now part of Jammu and Kashmir Grameen Bank
- Old chequebooks and passbooks remain valid until further instructions
- Account numbers and services continue without disruption
Day-to-day banking remains the same, just under a single statewide structure.
Working Days & Saturday Timings
- Monday to Friday: Normal banking operations
- Saturday:
- Closed on 2nd and 4th Saturdays
- Open on 1st, 3rd, and 5th Saturdays with regular timings
- Sunday: All branches remain closed
Branches also observe national and UT-specific holidays, which may vary by district.
ATM and Digital Banking Availability
Even outside branch hours:
- J&K Grameen Bank ATMs operate 24×7, subject to cash availability
- Mobile and internet banking support balance checks, transfers, and basic services
These channels reduce the need for frequent branch visits.
Plan with Precision, Not Assumptions
In Jammu & Kashmir, banking runs on a security-aware and time-sensitive clock. Think 10:00 AM start, 3:30 PM cash deadline, 4:00 PM transaction stop, and 2:00–2:30 PM as the slowest window.
With the merger complete and systems unified, Jammu and Kashmir Grameen Bank is more predictable than ever—provided you plan your visit around the clock it actually runs on.
