Srinagar, Jammu & Kashmir, India, June 2025 – Jammu & Kashmir Bank has announced the appointment of Ketan Kumar Joshi as its new Chief Financial Officer (CFO) for a tenure of three years. Joshi takes over from Fayaz Ahmad Ganai, bringing with him over 25 years of rich experience in banking, finance, compliance, and regulatory reporting, spanning Indian and international financial institutions.
In his most recent role, Ketan Kumar Joshi served as Chief Financial Officer at North East Small Finance Bank for over five years, where he led a range of initiatives including capital optimization and the successful migration of the core banking system from FIS (PROFILE) to BSG (TURING). His responsibilities encompassed asset management, statutory accounting, finance, strategic planning, and transfer pricing, driving operational transformation and supporting the bank’s overall growth agenda.
Before this, Ketan accumulated deep international experience as Chief Finance Officer at Maiwand Bank, Bakhtar Bank, and Ghazanfar Bank in Afghanistan. In these leadership roles, he managed key functions such as ALM (asset-liability management), MIS (management information systems), payment systems, and regulatory audits. His strategic contributions included financial reporting, board and ALCO participation, investment committee engagement, and close collaboration with statutory and regulatory auditors, strengthening governance and compliance frameworks across these institutions.
Earlier in his career, Ketan held pivotal finance roles at leading Indian banks and financial institutions, including as Head Finance & Accounts at Bank of Tokyo-Mitsubishi UFJ Ltd (Mumbai) and Deputy Vice President at IndusInd Bank. He was responsible for HO reporting, regulatory and statutory audits, capital management, and fund-raising, further refining his expertise in financial governance and system integration. He also served as Senior Manager at Bank of Maharashtra and started his career as a proprietor at K K Joshi & Associates, focusing on tax consultancy and statutory audits. Ketan is a Chartered Accountant and holds credentials from the Institute of Chartered Accountants of India and Indian Institute of Banking & Finance.
His appointment comes at a pivotal time as Jammu & Kashmir Bank sharpens its focus on regulatory compliance, risk-based decision-making, and sustainable financial growth. Joshi’s extensive experience in system integration, financial governance, and strategic planning is set to strengthen the bank’s leadership team and support its vision for the future.
About Jammu & Kashmir Bank Limited:
Jammu & Kashmir Bank Limited is an Indian private sector bank headquartered in Srinagar, Jammu and Kashmir. The bank was incorporated on 1 October 1938 by the then ruler Maharaja Hari Singh, with an initial paid-up capital of ₹5.00 Lakh. Over the years, Jammu & Kashmir Bank has established itself as a leading financial institution in the region, offering a comprehensive suite of banking and financial services to individuals, businesses, and communities across India.
The bank is renowned for its focus on technology-led transformation, financial inclusion, and regional economic development. With its deep roots in Jammu & Kashmir and a growing national presence, J&K Bank continues to play a key role in supporting economic progress while maintaining its commitment to governance and customer service.
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