J&K Bank Banking Associate Previous Year Cut-Off 2020 – Category-Wise Select List, Waitlist & Sectional Marks
Candidates preparing for the J&K Bank Banking Associate (Clerk) Recruitment Examination should carefully analyse previous year cut-off marks to understand the competition level and set a realistic target score for the upcoming examination.
The previous recruitment cycle of Jammu & Kashmir Bank attracted thousands of applicants from across Jammu and Kashmir. The Banking Associate examination is an important opportunity for graduates seeking a career in the banking sector.
In this article, we have provided the J&K Bank Banking Associate previous year cut-off marks, including category-wise overall cut-offs, select list marks, waitlist marks and sectional qualifying marks. These figures can help candidates understand the minimum marks required in different examination sections and the overall competition.
Important clarification: The recruitment notification was issued in 2020, but the official cut-off document containing the figures below records the examination dates as 14, 15, 17 and 18 May 2022. Therefore, these figures are best described as the 2020 recruitment-cycle cut-off, rather than marks from an examination conducted in 2020.
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1. J&K Bank Banking Associate Previous Year Overall Cut-Off Marks
The overall cut-off represents the minimum combined marks obtained by candidates for inclusion in the final select list or waitlist. The examination carries a total of 100 marks.
According to the official J&K Bank cut-off document, the category-wise marks were as follows:
| Category | Select List Cut-Off | Waitlist Cut-Off |
|---|---|---|
| General (UR) | 76.75 | 73.25 |
| ST | 73.25 | 73.00 |
| SEBC (ALC/IB) | 30.25 | Not Available |
| Visually Impaired (VI) | 51.50 | Not Available |
Important observations:
The General (UR) category recorded a select list cut-off of 76.75 marks out of 100.
The ST category recorded a select list cut-off of 73.25 marks.
The General (UR) waitlist cut-off was 73.25 marks.
The ST waitlist cut-off was 73.00 marks.
The VI category recorded a select list cut-off of 51.50 marks.
These figures show that candidates in the General category needed to score considerably higher than the minimum qualifying marks to secure a place in the select list.
Note: The official document uses SEBC (ALC/IB) as the category designation. The marks shown are the reported category-wise cut-offs, not general qualifying marks.
2. J&K Bank Banking Associate Sectional Cut-Off Marks
Apart from the overall cut-off, candidates must also pay attention to the sectional qualifying marks.
The Banking Associate online examination consists of three sections:
English Language – 30 Marks
Numerical Ability – 35 Marks
Reasoning Ability – 35 Marks
The total examination carries 100 marks.
Candidates were required to obtain the minimum qualifying marks prescribed for their respective categories in each individual section.
The previous examination's sectional cut-off marks are given below:
| Category | English Language (30) | Numerical Ability (35) | Reasoning Ability (35) |
|---|---|---|---|
| General / EWS | 7.50 | 7.75 | 5.00 |
| SC / ST / SEBC / PwBD | 4.25 | 4.75 | 1.75 |
What Do These Sectional Cut-Off Marks Mean?
For General and EWS candidates, the minimum qualifying marks were:
English Language: 7.50 marks
Numerical Ability: 7.75 marks
Reasoning Ability: 5.00 marks
For SC, ST, SEBC and PwBD candidates, the minimum qualifying marks were:
English Language: 4.25 marks
Numerical Ability: 4.75 marks
Reasoning Ability: 1.75 marks
Candidates should remember that clearing the sectional qualifying marks alone does not guarantee selection. The overall merit position and applicable selection criteria also play an important role.
3. Which Section Is Important for J&K Bank Banking Associate Preparation?
Understanding the examination pattern is essential for candidates who want to score well in the Banking Associate examination.
All three sections contribute to the final score, so candidates should prepare each subject strategically.
English Language
English Language carries 30 marks. Candidates should focus on:
Reading Comprehension
Cloze Test
Error Detection
Fill in the Blanks
Sentence Rearrangement
Vocabulary
Phrase Replacement
Regular practice of English MCQs can help candidates improve accuracy and solve questions within the allotted time.
Numerical Ability
Numerical Ability carries 35 marks and is an important scoring section.
Candidates should give attention to:
Simplification and Approximation
Number Series
Data Interpretation
Percentage
Profit and Loss
Ratio and Proportion
Average
Time and Work
Time, Speed and Distance
Simple and Compound Interest
A strong understanding of basic mathematical concepts and regular question practice can help improve performance.
Reasoning Ability
Reasoning Ability also carries 35 marks. Candidates should prepare the following topics:
Puzzles and Seating Arrangement
Syllogism
Inequality
Coding-Decoding
Blood Relations
Direction and Distance
Alphanumeric Series
Order and Ranking
Miscellaneous Reasoning Questions
Candidates should practise different types of puzzles and reasoning questions to improve their speed and accuracy.
4. How Many Marks Should You Target in the J&K Bank Banking Associate Exam?
Previous year cut-off marks provide a useful reference for setting preparation targets.
For example, the previous select list cut-off for General (UR) candidates was 76.75 marks out of 100. Therefore, candidates should avoid preparing merely to cross the previous cut-off.
Aiming for a score comfortably above the previous select list cut-off can provide a better preparation benchmark.
However, the actual cut-off may change depending on several factors:
Total number of vacancies.
Number of candidates appearing in the examination.
Difficulty level of the question paper.
Overall performance of candidates.
Category-wise competition.
Normalisation, wherever applicable.
There is no guarantee that the previous year's cut-off will remain the same in the next recruitment cycle.
5. Factors Affecting J&K Bank Banking Associate Cut-Off Marks
The cut-off marks are not fixed. They depend on the overall performance and recruitment conditions of a particular examination cycle.
1. Number of Vacancies: A higher number of vacancies may influence the selection cut-off, while fewer vacancies can increase competition.
2. Examination Difficulty: If the examination is comparatively difficult, the overall cut-off may be lower. An easier paper may result in higher cut-off marks.
3. Number of Applicants: A greater number of candidates competing for limited vacancies can increase competition.
4. Category-Wise Reservation: Different categories have separate selection criteria and cut-off requirements as applicable under the recruitment rules.
5. Overall Candidate Performance: The marks obtained by candidates across different examination shifts and categories can influence the final merit position.
6. How to Check the Official J&K Bank Banking Associate Cut-Off?
Candidates should always rely on official notifications and recruitment-related documents for authentic information.
To check the cut-off and recruitment updates, follow these steps:
Visit the official Jammu & Kashmir Bank website.
Open the Careers section.
Look for the relevant Banking Associate recruitment notification.
Check the result, select list or cut-off PDF.
Download the official document and verify your category-wise details.
Candidates should regularly check the official J&K Bank portal for new recruitment announcements, examination schedules, results and selection lists.
7. Prepare for the Upcoming J&K Bank Banking Associate Examination with JK Exam Library
Candidates preparing for the upcoming J&K Bank Banking Associate examination should focus on concept clarity, regular MCQ practice and proper revision.
JK Exam Library provides examination-oriented study resources to help aspirants prepare systematically for competitive examinations.
Candidates can explore:
Complete Banking Associate study material.
Subject-wise notes and important topics.
English Language practice questions.
Numerical Ability MCQs.
Reasoning Ability practice sets.
Sectional mock tests.
Full-length mock tests.
Previous year question-based practice.
A structured preparation strategy, combined with consistent practice, can help candidates improve their performance and approach the examination with greater confidence.
Start your preparation with JK Exam Library and work towards achieving a competitive score in the J&K Bank Banking Associate examination.
Frequently Asked Questions (FAQs)
Q1. What was the J&K Bank Banking Associate General category cut-off?
The previous select list cut-off for General (UR) candidates was 76.75 marks out of 100, while the waitlist cut-off was 73.25 marks.
Q2. What was the ST category cut-off for J&K Bank Banking Associate?
The ST category select list cut-off was 73.25 marks, and the waitlist cut-off was 73.00 marks.
Q3. What was the SEBC cut-off in the previous J&K Bank Banking Associate examination?
The reported SEBC (ALC/IB) select list cut-off was 30.25 marks out of 100. No waitlist cut-off was reported for this category.
Q4. What was the sectional cut-off for General category candidates?
The General/EWS sectional qualifying marks were 7.50 in English, 7.75 in Numerical Ability and 5.00 in Reasoning Ability.
Q5. What was the total marks of the J&K Bank Banking Associate examination?
The online examination carried 100 marks, divided into English Language (30), Numerical Ability (35) and Reasoning Ability (35).
Q6. Is the previous year cut-off enough to predict the upcoming J&K Bank cut-off?
Previous year cut-off marks can help candidates understand the competition, but they cannot accurately predict the next examination's cut-off. Vacancies, paper difficulty and candidate performance can change the final marks.
Q7. Where can I download the official J&K Bank Banking Associate cut-off PDF?
Candidates can visit the official J&K Bank website and check the Careers section for recruitment-related documents and cut-off updates.
Final Advice: Candidates should use previous year cut-off marks as a preparation benchmark rather than a guaranteed selection score. Focus on all three sections, improve accuracy, practise regularly and aim to score comfortably above the previous select list cut-off.
