Bank of Azad Jammu & Kashmir

Bank of Azad Jammu & Kashmir is a rapidly expanding commercial bank dedicated to serving the state of Azad Jammu & Kashmir. With an extensive network of 84 branches, Bank of Azad Jammu & Kashmir operates as a wholly-owned corporate entity of the Government of Azad Jammu & Kashmir. The bank's primary address is located at Bank Square, Chatter Domel, Muzaffarabad, Aazd Kashmir, Muzaffarabad, Azad Jammu and Kashmir 13100, PK.

Bank of Azad Jammu & Kashmir is committed to mobilizing private savings and public funds, channeling them into productive sectors to promote industrial, agricultural, and rural microfinancing activities. Through active collaboration with both private and public sectors, the bank aims to stimulate socio-economic growth in under-developed areas, create employment opportunities, and facilitate profitable investments for overseas Kashmiris within the State. The Bank of Azad Jammu & Kashmir offers a diverse array of liability and asset products, each carefully designed to meet the unique banking needs of its clientele.

Dedicated to inclusive growth, Bank of Azad Jammu & Kashmir champions equal access to economic resources as a catalyst for poverty reduction and accelerated socio-economic progress. The bank has introduced an innovative microfinance scheme tailored for those with limited financial access. Various Memoranda of Understanding (MOUs) have been established with Governmental Departments to provide markup-free financing for eligible businesses. Bank of Azad Jammu & Kashmir’s deposit schemes are highly competitive, with core lending products supporting Agriculture, SMEs, Livestock, Poultry, Micro Finance, and Small Business sectors at favorable markup rates. Bank of Azad Jammu & Kashmir prioritizes serving all segments of society, with a special emphasis on women and senior citizens. The bank has established robust correspondent arrangements with major scheduled banks to facilitate inter-bank settlements for its customers.

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