The Bank of Azad Jammu and Kashmir (BAJK) is recruiting Management Trainee Officers (MTOs), with applications open now and a deadline of 27 November 2026. The recruitment is being run by the National Institute of Banking and Finance Pakistan (NIBAF-P), and the advertisement appeared in the Daily Jang on 13 November 2026 under reference AJK-68D/11/2026. BAJK is wholly owned by the Government of Azad Jammu and Kashmir and operates 93 branches across the region.

The Management Trainee Officer route is the bank's entry-level officer programme, aimed at graduates who want to build a career in banking. NIBAF-P is handling the whole process, from the online application form to the written test, so candidates should deal only with NIBAF-P and not approach the bank directly about their applications.

Who can apply for the BAJK MTO posts

Applicants need a Master's degree or 16 years of education in Banking, Finance, Commerce or an equivalent subject from a university or institute recognised by the Higher Education Commission. The minimum grade required is a CGPA of 3.0 out of 4 or 4.0 out of 5, or an equivalent percentage where no grading system applies. The age limit is 18 to 28 years at the time of application.

Candidates with less than 16 years of education, those still awaiting their final results, and those without the relevant education are not eligible. The advertisement does not state the number of posts, the pay, or the duty stations, so applicants should not rely on any figure for these that appears elsewhere.

How to apply through NIBAF-P

Applications are made online through the NIBAF-P application form linked from the institute's careers page at nibaf.sbp.org.pk/career.html. The form must be filled in carefully, because a submitted form cannot be edited afterwards. After submission, NIBAF-P emails an acknowledgement with a fee deposit slip, so applicants should check their spam or junk folder as well as their inbox.

The examination fee is Rs 500. It is paid with the deposit slip at the designated bank branches, or by pay order in favour of the National Institute of Banking and Finance, Pakistan. The pay order number is a field in the online form, so anyone paying by pay order should get it first. Online fee payment is not accepted, and the fee is non-refundable.

Once the fee is paid, applicants must send the printed confirmation email, the original paid deposit slip or pay order, and a copy of their CNIC by post or courier to the Examinations Division, NIBAF-P, M.T. Khan Road, Karachi-74200. These documents must arrive by 30 November 2026. Applications are not accepted in person, and applications sent directly to BAJK will not be entertained.

What happens after applying

A written examination will be held at designated centres across Pakistan. Only shortlisted or eligible candidates will receive the test schedule and centre details, by SMS, email or admit card. Admit cards are emailed only to candidates who paid the fee and sent their documents on time.

Candidates must bring their original CNIC and admit card to the test. Calculators, mobile phones and other electronic gadgets are not allowed in the examination hall. No travel or daily allowance is paid for the test or for later stages, and meeting the minimum criteria does not guarantee shortlisting.

Key dates for BAJK MTO applicants

The advertisement was published on 13 November 2026. The last date to apply online and deposit the Rs 500 fee is 27 November 2026, and the last date for the supporting documents to reach NIBAF-P in Karachi is 30 November 2026. The written test date has not been announced, and will be communicated to shortlisted candidates.

Applicants should apply only through the official NIBAF-P route and should not pay any agent. For queries, NIBAF-P can be contacted at [email protected] or on UAN 021-111-427-477, and the bank's contact numbers in the advertisement are 05822-920532 and 05822-920778. The official listing is on the NIBAF-P careers page, and the full advertisement appeared in the Daily Jang on 13 November 2026.