J&K Bank holds fin lit camps, KCC mela and training programmes

KL Desk


With an objective to familiarize the people living in rural areas about the financial services and banking concepts, J&K Bank FLCC Budgam organized a financial literacy camp at Panzan in Chadoora.

The camp at Panzan was attended by large number of people representing a cross-section of society including farmers, small traders, rural artisans, women folk and under-privileged class living below poverty line. However, separate session was conducted for women who participated in the camp in good number.

Speaking at the camp Facilitator FLCC Budgam apprised the participants about the details of various products and services offered by banks, need for savings, budgeting and advantages of banking with formal financial institutions.

Referring to the benefits of the other tailor made products like education finance, computer loan, consumer loan and housing loan etc suitable for students, salaried employees, businessmen and other class of society he urged them to avail such facilities to improve their livelihood conditions.

Addressing the gathering LDM Budgam briefed the participants regarding role of financial institutions in rural areas to eradicate poverty by providing financial support for establishment of micro enterprises while opting for subsidy linked sponsored schemes envisaged in the Annual Action Plan of the District.

While mentioning the details of the schemes meant for weaker sections of the society covering small artisans and village & Cottage industries, he impressed upon the participants to avail the benefits of these government sponsored schemes to improve their economic conditions. Concluding the camp, Head B.U Panzan presented vote of thanks.


The Bank conducted KCC Mela at village Bhatuni in Rajouri. The programme was organised by the Bank’s B.U at Rajouri Main in collaboration with District Agriculture Department Rajouri and Khidmat Center Bhatuni.

The mela was attended by a large gathering of people who were made aware about various products and services of the Bank including KCC scheme.

Head B.U Rajouri Main Ravi Sharma explained the technical aspects of KCC scheme to the gathering besides making them aware regarding other schemes of the bank.

He said, “The products and services offered by the Bank including KCC scheme can help boost the agricultural produce of farmers in the state.”

The Lead District Manager Rajouri Arvind Kapoor urged the unemployed youth among the audience to avail the relevant schemes of the Bank and start their own ventures to generate employment for themselves as well as for others.

D S Manhas Agriculture Extension Officer, Muradpur Rajouri was also present on the occasion. The Camp concluded with distribution of 265 Kissan Credit Cards to the farmers of Village Bathuni & vote of thanks to all the participants.


FLCC Baramulla attended an awareness camp organized by Urban Development Agency Kashmir through NGO Al-Amin Blood Bank at Lagama in Uri.

The camp was attended by a good number of youth besides respectable citizens from village Lagama and its adjacent areas.

Lead District Manager Baramulla deliberated upon the role of Lead Bank in ensuring participation of banks and line departments for hassle free flow of credit to all the sectors of the economy thus helping in eradication of unemployment and poverty in the community.

He said that the youth should take up the ventures offered by various sponsoring agencies for earning livelihood and take up income generating activities as government jobs are not available for all.

Facilitator FLCC Baramulla threw light on the role and objectives of FLCC centres in imparting financial awareness and credit counseling. He spoke about Kissan Credit Card scheme and education loan schemes of the banks.

He said that banks were keen to have 100% financial inclusion. Thus business units and other delivery points are being opened in every nook and corner.

Smart cards and No frill accounts are being introduced for passing on the benefits of subsidy and other incentives directly to the beneficiaries account, he added.

He further spoke about customer rights and need to repay the loans in time and proper end-use of loan funds.


The Bank’s RSETI Pulwama concluded two skill development programmes on Crewel Embroidery and Sheep Rearing.
While distributing the Certificate of Participation among the participants, Director RSETI advised the trainees to take advantage of the Bank products and services and establish their own ventures for honourable livelihood.

He assured them of complete support from the institute while availing credit facilities from the financial institutions.
He thanked the DRDA authorities for providing their continuing support.


Meanwhile, RSETI Bandipora concluded five training programmes at the institute, out of which three were on Dress Designing, one in Sewing Machine Repairing and one in Mobile Phone Repairing.

In ‘dress designing’ programme 75 trainees were imparted basic training while as in ‘sewing machine repairing’ 121 trainees took part and in ‘mobile phone repairing’ 33 candidates were trained during the period.


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