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Jammu and Kashmir- Brief profile

Jammu and Kashmir also known as Heaven on the earth is located in the northern part of the country and forms the northern boundary of the country. To its north lie China and Russia. On its east is Chinese Tibet. On the South and South-West lie the states of Punjab and Himachal Pradesh. On the west is the North West Frontier Provinces of Pakistan, China and Russia. The state consists of three divisions i.e. Jammu, Kashmir Valley and Ladakh and having two capitals - Jammu, the winter capital and Srinagar, the summer capital which is also the largest city in the state of Jammu and Kashmir. The languages spoken in the state includes English, Urdu, Dogri, Hindi, Kashmiri, Ladakhi, and Shina. Jammu and Kashmir (JK) state comprises of 22 districts. The ISOCODE assigned by International Organization for Standardization for Jammu and Kashmir State is JK. The table below gives key demographic indicators and their comparison with pan-India numbers:








Geographical Area


Lakh Sq. Km










Decadal Growth Rate






Density of Population


Population/Sq. Km.




Urban to Total Population






Sex Ratio


Females/1000 Males




Literacy Rate (LR)






Birth Rate


Per 1000 Mid-year Pop.




Death Rate


Per 1000 Mid-year Pop.



The state has some of the best tourist spots and owing to its high altitude, it is home to a lot of Himalayan glaciers and rivers. Jhelum, Indus, Tawi, Ravi and Chenab are the major rivers flowing through the state. Major tourist attractions in the state are Gulmarg, Pahalgam, Sonmarg, Mughal Gardens, Dal Lake, Leh, Patnitop, and Ladakh. Some of the major pilgrimage centers of the nation are located in the state, the two most important being the Amarnath Caves and the Vaishnodevi Shrine. The Dal Lake houseboats are one of the major attractions of Kashmir.
The unique climatic conditions found in state contribute to its diverse soil and vegetation.  It is blessed with lush green forests, which forms one of the most important natural resources of the state. Numerous trees grow in these forests some of the valuable ones are: Chinar, Deodar, Poplar, Fir, Pine, Mulberry and Walnut. Some herbs with excellent medicinal value are also found in these forests such as Menthol, Digitalis, Rubus and Artemisia. These forests provide excellent shelter to the numerous rare species of animals and birds.


Geographic and Socio-Economic Profile of J&K
Jammu and Kashmir, situated between 320 1 7' N and 360 58' N latitudes and 730 26'E and 800 30' E longitudes, constitutes the northern most extremity of India. The Total area of Jammu and Kashmir is 222236 sq. Km of which 78114 sq. Km is under illegal occupation of Pakistan and 37555 sq. Km under China. In addition 5180 sq. Km area of J&K was illegally ceded to China by Pakistan. J&K is the 6th largest state of India occupying 6.76% of the country's geographical area. The state has abundant water resources in view of its blessed riverine geography. The state is surrounded by mountains except in the South-West side. A major portion of the state's terrain is hilly and its height from sea level varies from 3000 feet to 22740 feet. The state has road, and air links with rest of the country through South making it accessible from the South only. The rail link is upto Udhampur only.

The state occupies 19th rank in population, with 125.41 lakh souls as per 2011 census. The state has three distinct regions, viz. the Kashmir, Jammu and Ladakh comprising of 22 districts. Each region has a specific resource base. The state is further divided among 82 Tehsils, 86 towns and 6551 villages as per census, 2011. Administratively, the districts are divided into blocks for development purposes. There are 320 community development blocks in the state.

Population Density
As per 2011 census, the population density in the state is 124 persons per sq. km of area as against density of 382 persons per sq. Km in India. The state ranks 8th among states/ UTs of the country in thin density of population. In fact the most marked characteristic feature of the State, is low density of population. The low densities in many districts of the State are attributable to the nature of their terrain.

Sex Ratio
Sex ratio of 889 females per thousand males, places J&K at 29th rank in the country. Sex ratio of the country is 943 females per thousand males as per 2011 census. The low sex ratio of females to males is alarming and requires attention of all the sections of the society to give heed to "Beti Bachao" slogan pioneered by the Hon'ble Prime Minister.

As per Census 2011, literacy rate of the state is 68.74% with 78.26% male literates and 58.01% female literates. These figures show signs of improvement in the literacy when compared with the literate population of 2001 census. The overall literacy rate improved by 13.22 percentage points. In comparison to male literacy, female literacy has improved at a faster rate i.e. against 11.66 percentage points in male literacy female literacy increased by 15.01 percentage points. At all- India census-2011 determined 74.04% population as literates with 82.14% (male literate population) and 65.46% (female literate population). With the improvement in the literate population of the state, the gender gap has also reduced to 20.25% in 2011 as against 23.60% in 2001. It is pertinent to mention that literacy rate is derived after excluding the children in the age group of 0-6 years, which are by the definition of census treated as illiterate.

The percentage of urban population to total population was 27.37 percent in 2011 compared to 24.81 percent in 2001 in the state. Among all districts, Srinagar ranks first with 98.6 percent urban population followed by Jammu district with 50 percent urban population. Ramban district with 4.16 percent of urban population followed by Shopian with 6.15 percent are the least urbanized districts. As per Census 2011, there are 86 statutory towns in the State. The State is an important tourist hub both for national and international travelers with several holy pilgrim centres, rivers, and hills.

The climate of the state varies from sub tropical in Jammu plains to semi-arctic cold in Ladakh with Kashmir and Jammu mountainous tracks having temperate climatic conditions. The average annual rainfall also varies from region to region with 92.6 mm in Leh, 650.5 mm in Srinagar and 1115.9 mm in Jammu. A large part of the state forms part of the Himalayan Mountains. The state is geologically constituted of rocks varying from the oldest period of the earth's history to the youngest present day river and lake deposits.

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Mr. Rajesh Kumar Chhibber
Chairman & MD
Convenor J&K UTLBC
The Jammu & Kashmir Bank Ltd.
Corporate Headquarters
M.A Road, Srinagar,
Jammu and Kashmir, India
Phone: 0194-2481900,
Fax: 0194-2481902

Mr. Sunil Gupta
Lead Bank Department, J&K Govt Banking, Treasury & Subsidiary Management, FID / CSC
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Telephone/ Fax: 0194-2502642
Ext. No: 1370-1371
Cell No: 9663466604
Email: sunil.gupta@jkbmail.com

UTLBC Secretariat/ Lead Bank Department
Corporate Headquarters
M.A Road Srinagar,
Jammu and Kashmir, India
Telephone/ Fax: 0194-2502639
Ext. No/s: 1139. 1140 and 1141
Email: convenorbank@jkbmail.com




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