Shareholder information

SEBI Circular on Online Resolution of Disputes in the Indian Securities Market

Link to ODR Portal 

1. Unpaid /Unclaimed Dividends:

The eligible shareholders who have not received/claimed their Dividend warrants, issued by the Bank, may approach our office for claiming the same. Application in this regard, together with Affidavit, in the prescribed formats, may be downloaded from the link below:

Click here for Application Form and Affidavit

2. Transfer of Shares/ Dividend to Investor Education and Protection Fund (IEPF):

The Government of India has established Investor Education and Protection Fund (IEPF) Authority on 7th September, 2016 under the provision of Section 125 of the Companies Act, 2013. The Authority is mandated to promote Investor’s Education, Awareness and Protection and to make refunds of shares, unclaimed dividends, matured deposits/debentures, etc., that have been transferred to IEPF (IEPF is maintained under Consolidated Fund of India). As per the provisions of Section 124 (5) of Companies Act 2013, the dividend which have remained unpaid or unclaimed for a period of seven years are required to be transferred to IEPF. Further Section 124 (6) of Companies Act, 2013 requires that shares in respect of which dividend has not been paid or claimed for seven consecutive years shall be transferred by the company to the IEPF Authority.

The Authority has been entrusted with the responsibility to make refunds of unclaimed dividends and shares that have been transferred to IEPF. For the purpose of facilitating refund of claims in respect of shares and unclaimed dividends, the Central Government has notified Investor Education and Protection Fund (Accounting, Audit, Transfer and Refund) Rules, 2016. For filing refund with the IEPF Authority, the investor/ claimant(s) are required to submit the Form IEPF-5 on the MCA portal.

3. Details of Shareholders whose Shares/ Dividend has been transferred to IEPF:
    Click here for Details
    For further details/ queries contact:
    Incharge Share Department
Jammu and Kashmir Bank Limited,
+91 194 - 2483775 -2481930 - 35 Extn. 1541 - 1542
Pursuant to SEBI (Listing Obligation & Disclosure Requirements) Regulations, 2015, Bank has created a separate Email ID for redressal of Investor Complaints and Grievances as per the details given below:
E-mail: sharedeptt_gc@jkbmail.com
 

• 59th Unpaid Dividend for Financial Year 2024-25
• 58th Unpaid Dividend for Financial Year 2023-24
• 57th Unpaid Dividend for Financial Year 2022-23

M/s KFin Technologies Limited
SEBI Registration No. INR000000221
Unit: Jammu And Kashmir Bank Limited
Selenium Tower B, Plot 31 & 32,
Financial District, Nanakramguda,
Serilingampally Mandal,
Hyderabad – 500032, Telangana

Toll free number: 1-800-309-4001

E-mail: einward.ris@kfintech.com
Website: https://www.kfintech.com or https://ris.kfintech.com  
 

As an on-going measure to enhance the ease of doing business for investors in the securities market, SEBI, has from time to time prescribed common and simplified norms for processing investor’s service request by Registrars to an Issue and Share Transfer Agents (RTAs) and norms for furnishing PAN, KYC details and Nomination.
SEBI vide its master circular - SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/91 dated June 23, 2025 has provided norms/ procedural requirements for processing service requests of investors by RTAs and norms for furnishing PAN, KYC details and Nomination. These include:


1. Mandatory furnishing of PAN and KYC details by holders of physical securities

It is mandatory for all holders of physical securities in listed companies to furnish PAN, contact details (Postal Address with PIN and Mobile Number), Bank A/c details and specimen signature for their corresponding folio numbers.

For more details refer to SEBI Master Circular for Registrars to an Issue and Share Transfer Agents.

2. Folios without PAN and KYC details:

The security holder(s) whose folio(s) do not have PAN, Contact Details, Bank Account Details and Specimen Signature updated, shall be eligible: 
•    to lodge grievance or avail any service request from the RTA only after furnishing PAN and KYC details. 
•    for any payment including dividend, interest or redemption payment in respect of such folios, only through electronic mode with effect from April 01, 2024. An intimation shall be sent by the Listed Company to the securityholder that such payment is due and shall be made electronically only upon complying with the requirements stated in para 19.1 of this Master Circular.

3. Attestation of documents: 
Self-attested copies of documents will be accepted by the RTA for processing of service requests, unless otherwise prescribed in the Companies Act, 2013 or the rules issued thereunder or in SEBI Regulations or Circulars issued thereunder.


4. Mode for providing documents/details by investors for various service requests

The security holder/claimant may provide the documents/details to the RTAs for various service requests by way of ‘In Person Verification’ (IPV) or Post or electronic mode with e-sign; unless otherwise prescribed in the Companies Act, 2013 or the Rules issued thereunder or in SEBI Regulations or Circulars issued thereunder.

For more details refer to SEBI Master Circular for Registrars to an Issue and Share Transfer Agents

5. Standardized, simplified and common norms for processing investor service requests.

The details with regard to simplified and common norms along with operational guidelines for processing various service requests e.g. mismatch in signature, mismatch in name, change in name, updation of bank details and contact details.

For more details refer to SEBI Master Circular for Registrars to an Issue and Share Transfer Agents

6. Forms for availing various Investor services

Investors holding securities in physical mode interface with the RTAs, inter-alia, for registering/updating the KYC details and for the processing of various service requests.

For more details refer to SEBI Master Circular for Registrars to an Issue and Share Transfer Agents

7. Indemnity

For any service request except transmission and request for issuance for duplicate security certificates, indemnity shall not be required unless the same is specifically provided in the Companies Act, 2013 or the rules issued thereunder or in SEBI Regulations or Circulars issued thereunder.

8. KYC details across all folios of the holder, maintained by the RTA

•    RTAs shall update the PAN and KYC details across all the folios of the holder managed by it and details which are already available with the RTA are to be overwritten, upon specific authorization for the same from the holder, as provided in Form ISR-1.

•    RTA shall update the folio(s) of the holder with the information on 1) present address, 2) bank details, 3) E-mail address and 4) mobile number from the details available in the Client Master List (CML) duly signed by the Depository Participant with stamp, if the holder / claimant provides the CML along with duly completed and signed Form ISR-1. 

•    Details which are not available for the physical folio in RTA database as provided in CML along with Form ISR-1, shall be updated from the CML.

9. Timelines for registering of / updation of / change in PAN, KYC and nomination

RTAs shall process any of the aforesaid requests from the holder, within timelines or as may be prescribed by the Board from time to time. With regard to nomination, the cancellation or variation in nomination shall take effect from the date on which the duly completed and signed intimation is received by the company / RTA in terms of Rule 19 (10) of the Companies (Share Capital and Debenture) Rules, 2014, as amended from time to time.

10. Display of contact details of RTAs

RTAs shall provide their complete contact details (viz. postal address, phone numbers and e-mail address etc.) on their respective websites. The same shall also be provided on the websites of the listed companies and the stock exchanges on which such company is listed. RTA shall arrange to update the same forthwith, as and when there is a change.

11. All objections by RTA in one instance

While processing service requests and related complaints, the RTAs shall raise all objections, if any, in one instance only. The additional information may be sought only in case of any deficiency / discrepancy in the documents / details furnished by the security holder.

12. Electronic interface for processing queries and complaints

In addition to responding to queries and complaints through hard copies, the RTA shall also process the same received through e-mails, provided that it is received from the e-mail address of the security holder which is already registered with the RTA. The security holder may attach scanned copies of self-attested documents in support of his/her query or complaint.

Further, if the RTA is providing an online – portal, then the security holder may submit his/her query or complaint through this portal, using appropriate credentials for login and password. The security holder may upload scanned copies of self-attested documents in support of his/her query or complaint.

The RTA shall also use the electronic/on-line mode for communicating with the holder/claimant for expeditious processing of queries/complaints of the security holder.

13. Intimation to security holders

Listed companies, RTAs and Stock Exchanges shall disseminate the requirements to be complied with by holders of physical securities of all listed companies on their respective websites. Listed companies shall also directly intimate its security holders about folios which are incomplete with regard to details required under para 1 above on an annual basis within 6 months from the end of the financial year.

14.Mandatory furnishing of ‘Choice of Nomination’ for new Demat account holders:

•    All new investors shall to be required to mandatorily provide the 'Choice of Nomination' for demat accounts (except for jointly held Demat Account).

•    All existing investors are encouraged, in their own interest, to provide ‘choice of nomination’ for ensuring smooth transmission of securities held by them as well as to prevent accumulation of unclaimed assets in securities market.

•    In case of demat accounts, Depository Participants and RTAs shall encourage the demat account holders to update ‘choice of nomination’ by sending a communication on fortnightly basis by way of emails and SMS to all such demat account holders/ who have not provided the ‘choice of nomination’. The communication shall provide guidance for demat account holders to provide ‘choice of nomination’.

•    Further, to encourage the existing investors to provide 'choice of nomination', a pop-up shall be provided on web/mobile application/platform to the investors by Depositories and Depository Participants while logging into the Demat Account. This pop-up may be shown only to those clients whose demat account(s) do not have 'choice of nomination'. 
For detailed information, please refer to the attached SEBI circular - SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/91 dated June 23, 2025. 

Compulsory linking of PAN and Aadhaar by all holders of physical securities in listed companies 

•    SEBI has issued a Press Release dated March 08, 2023 advising all investors to ensure linking of their PAN with Aadhaar number prior to March 31, 2023, for continual and smooth transactions in securities market and to avoid consequences of non-compliance with the CBDT circular, as such accounts would be considered non-KYC compliant, and there could be restrictions on securities and other transactions until the PAN and Aadhaar are linked.

•    The requirement of existing investors to link their PAN with their Aadhaar number is not applicable for Non-Resident Indians (NRI), Overseas Citizens of India (OCI) unless the same is specifically mandated by Central Board of Direct Taxes (CBDT), Ministry of Finance / any other Competent Government authority. 
 

For any further query, feel free to mail the Share Department of Jammu and Kashmir Bank Limited at the email id sharedeptt_gc@jkbmail.com or get in touch with Incharge Share Department on 0194-2483775.
 

ISR and Nomination Forms:
•    Form ISR-1 - Register/Change PAN & KYC Details
•    Form ISR-2 - Confirmation of Signature of securities holder by Bank
•    Form ISR-3 - Declaration to Opting out Nomination
•    Form ISR-4 - Request for issue of Duplicate Certificate and other Service Requests
•    Nomination form SH-13 - Nomination Form
•    Nomination form SH-14 - Cancellation of Nomination

Documents:
•    Documents for Issuance of Duplicate Share Certificate
•    Transmission of Shares in Physical Form
•    Correction of Name on Share Certificate
•    Documents for Unpaid /Unclaimed Dividends
 

Holders of physical security certificates are required to submit various documents to the RTAs with respect to various service requests/ complaints including but not limited to: 

a) Intimation of / updation of / change in Permanent Account Number, Nominee, Bank details, Contact details, Signature, Name etc.
b) Processing of investor requests (Duplicate security certificates, folio consolidation, transmission, transposition etc.)
c) Services through depository participants such as dematerialization, re-materialization etc. 

It is proposed to digitize this process in two phases and provide a mechanism for the investor to lodge service requests and complaints online and thereafter track the status and obtain periodical updates which would, inter-alia, confer the following benefits: 

a) Database for service requests and complaints; 
b) Online acknowledgement and intimation to the investor; 
c) Online tracking of status of service requests and complaints by investors. 

Phase I of the Online Portal

All RTAs servicing listed companies shall have a functional website. Such website shall mandatorily display the following information, in addition to all such information, which have been mandated by SEBI from time to time: 

1. Basic details of the RTA such as registration number, registered address of Head Office and branches, if any. 
2. Names and contact details such as email ids etc. of key managerial personnel (KMPs) including compliance officer in the format provided. 
3. Step-by-step procedures for various service requests, Frequently Asked Questions (FAQs), procedure for filing a complaint and finding out the status of the complaint, etc.

All RTAs shall also set up a user-friendly online mechanism or portal for service requests/ complaints.

The aforesaid online system along with functional website as referred above shall be implemented by QRTAs from January 01, 2024 and by all other registered RTAs dealing with listed companies from June 01, 2024.

Phase II of the Online Portal

A common website shall be made and operated by QRTAs from July 01, 2024 through which investors shall be redirected to individual web-based portal/website of the concerned RTA for further resolution by putting the name of the listed company. This website shall have the functionality of adding companies/RTAs to its search list as and when required.

For detailed information, please refer to the attached SEBI circular - SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/91 dated June 23, 2025
 

In order to facilitate seamless transfer of shares, safety of holding besides convenience, accessibility, cost efficiency, flexibility and most importantly eliminating the chances of shares being lost, forged or misplaced; shareholders of the Bank holding shares in physical form are requested to get their physical shareholding dematerialised.
Depending on whether the shareholder already has a Demat account or desires to open a new one, the steps involved for dematerialisation of shares are as under:

SHAREHOLDER(S) WHO ARE NOT HAVING DEMAT ACCOUNT
• Shareholder(s) to open a Demat account with a Depository Participant (DP), registered with NSDL and/or with CDSL. (If you wish to open Demat account with Subsidiary of the Bank, please visit any nearest Branch of JKB Financial Services Limited. The address of the Branches can be obtained from the link: http://www.jkbfsl.com/contact-us/.
Please note that the shareholders are free to open their Demat account with any of the valid Depository Participant (DP) of their choice).
• After opening the demat account, they will provide you a Client Master Form showing demat account number and all other details such as name, address, phone no., email id etc.
• Thereafter, shareholder(s) to submit physical share certificate(s) along with Dematerialisation Request Form (DRF) to their respective DP.
• The DP will intimate the Registrar & Transfer Agent (RTA) of the Bank of the request submitted by the shareholder(s) through the electronic system of NSDL/CDSL.
• The DP will also submit the share certificate(s) and the DRF, submitted by shareholder(s) to the Registrar & Transfer Agent (RTA) of the Bank.
• The Registrar & Transfer Agent (RTA) of the Bank after validation of the request will update the Register of Members and confirm to the Depository.
• The Depository will credit the DP's account.
• The DP will credit respective Demat account.

SHAREHOLDER(S) WHO ARE HAVING DEMAT ACCOUNT
• Shareholder(s) to submit physical share certificate(s) along with Dematerialisation Request Form (DRF) to their respective DP.
• The DP will intimate the Registrar & Transfer Agent (RTA) of the Bank of the request submitted by the shareholder(s) through the electronic system of NSDL/CDSL.
• The DP will also submit the share certificate(s) and the DRF, submitted by shareholder(s) to the Registrar & Transfer Agent (RTA) of the Bank.
• The Registrar & Transfer Agent (RTA) of the Bank after validation of the request will updates the Register of Members and confirm to the Depository.
• The Depository will credit the DP's account.
• The DP will credit respective Demat account.

Transfer of Shares Only In Dematerialised Form

The Securities and Exchange Board of India (SEBI) has vide notification dated June 8, 2018 amended Regulation 40 of SEBI (Listing Obligation and Disclosure Requirements) Regulations, 2015, wherein it has been mandated that w.e.f. December 5, 2018 transfer of securities would be carried out only in dematerialised form.

Issuance of Securities in dematerialized form in case of Investor Service Requests

Additionally, as per Circular No. SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/91 dated June 23, 2025 issued by Securities and Exchange Board of India (‘SEBI’), Listed companies shall issue securities in dematerialized form only (while processing the following service requests:
1.    Issue of Duplicate Share Certificate
2.    Claim from Unclaimed Suspense Account
3.    Renewal/Exchange of Securities Certificate
4.    Endorsement
5.    Sub-division/ Splitting of Securities Certificate
6.    Consolidation of Securities Certificate/ Folios
7.    Transmission
8.    Transposition

The securities holder/ claimant shall submit duly filled up Form ISR-4 along with the documents/ details specified therein. For item nos. “a” to “h” in paragraph above, the RTA/ Issuer Companies shall obtain the original securities certificate(s) for processing of service requests. The RTA/ Issuer Companies shall verify and process the service requests and thereafter issue a 'Letter of confirmation' in lieu of physical securities certificate(s), to the securities holder/claimant within 30 days of its receipt of such request after removing objections, if any.

The letter shall, inter-alia, contain details of folio and demat account number (if available) of the securities holder/claimant. The letter shall be sent by the RTA / Issuer Companies through Registered /Speed Post to the securities holder/claimant. Additionally, the RTA/lssuer Companies may send such letter through e-mail with e-sign and / or digital signature.

The 'Letter of Confirmation' shall be valid for a period of 120 days from the date of its issuance, within which the securities holder/ claimant shall make a request to the Depository Participant for dematerializing the said securities. The RTA / Issuer Companies shall issue a reminder after the end of 45 days and 90 days from the date of issuance of Letter of Confirmation, informing the securities holder/ claimant to submit the demat request as above, in case no such request has been received by the RTA / Issuer Company. In case the securities holder/claimant fails to submit the demat request within the aforesaid period, RTA / Issuer Companies shall credit the securities to the Suspense Escrow Demat Account of the Company.

Process for claiming securities from Suspense Escrow Demat Account

Securities which have been moved to Suspense Escrow Demat Account may be claimed by the security holder/ claimant on submission of following documents to RTA.
• Duly filled in and signed Form ISR – 4
• Client master list (“CML”) of the demat account for crediting the securities to the security holder's / claimant's account provided the details in the CML should match with the details recorded with the RTA / issuer company.
For any further queries feel free to mail the Share Department of Jammu and Kashmir Bank at the email id sharedeptt_gc@jkbmail.com or get in touch with Incharge Share Department on 0194-2483775.