Jammu and Kashmir Bank IMPS Charges

Last Updated : July 7, 2025, 3:13 p.m.

In the rapidly advancing world of digital banking, Jammu and Kashmir Bank IMPS charges are a key consideration for customers seeking fast, secure, and cost-effective fund transfers. Immediate Payment Service (IMPS) enables Jammu and Kashmir Bank (J&K Bank) account holders to transfer money instantly, 24/7, including weekends and holidays, making it ideal for urgent transactions. This article provides a comprehensive guide to Jammu and Kashmir Bank IMPS charges 2025, transaction limits, and steps to perform IMPS transfers.

Jammu and Kashmir Bank IMPS Fees in 2025

J&K Bank maintains a customer-friendly approach to IMPS transactions, with minimal charges applied to outward transactions. As of 2025, the J&K Bank IMPS fees are as follows, based on available information:

• Up to ₹1,00,000 : ₹5 per transaction + GST
• ₹1,00,000 to ₹5,00,000 : ₹15 per transaction + GST

Key Points :

• Outward IMPS Transactions : The above charges apply to funds sent from a J&K Bank account via mobile banking, net banking, or ATMs.
• Inward IMPS Transactions : No charges for receiving funds.
• Mobile and Net Banking : Charges apply as listed above for transactions via the mPay Delight+ Mobile Banking app or J&K Bank Net Banking.
• ATM-Based IMPS : Additional service fees may apply for ATM-initiated transactions; confirm with the nearest J&K Bank branch or ATM.
• GST : Standard GST rates (18%) may apply on the mentioned charges, though not explicitly stated in the source.
• Account Types : All resident savings and current account holders registered for net banking or mobile banking are eligible for IMPS services, with no specific fee waivers mentioned for premium accounts.

For the most accurate and updated Jammu and Kashmir Bank IMPS charges, visit the official J&K Bank website or contact their customer care at 1800-890-2122

Key Features of Jammu and Kashmir Bank IMPS

• 24/7 Availability : Transfer funds anytime, including bank holidays and weekends.
• Instant Transfers : Funds are credited to the beneficiary’s account instantly.
• Secure Transactions : Uses OTP-based authentication, MPIN, and 128-bit SSL encryption for safety.
• Flexible Options : Transfer using Mobile Money Identifier (MMID) and mobile number (P2P) or IFSC code and account number (P2A).

Jammu and Kashmir Bank IMPS Transaction Limits

J&K Bank aligns its IMPS transaction limits with NPCI and RBI guidelines to ensure security and compliance. The IMPS transfer limits for J&K Bank in 2025 are:

• Maximum Daily Limit : ₹2,00,000 per transaction and per day.
• Per Transaction Limit : Up to ₹2,00,000, depending on account type and customer profile.
• Minimum Transaction Amount : ₹1.
• MMID-Based Transfers (P2P) : Limited to ₹10,000 per day for added security.
• New Beneficiary Transfers : Maximum ₹10,000 on the first day of beneficiary activation.

To verify specific limits for your account, log in to J&K Bank Net Banking or the mPay Delight+ Mobile Banking app, or contact customer support at 1800-890-2122

Benefits of Using Jammu and Kashmir Bank IMPS

• Affordable Fees : Low charges, starting at ₹5 per transaction for amounts up to ₹1,00,000.
• Instant Transfers : Funds are credited instantly, ideal for urgent payments.
• Secure : OTP, MPIN, and 128-bit SSL encryption ensure safe transactions.
• Convenient : Accessible via mobile app, net banking, or ATMs.
• 24/7 Availability : Transfer funds anytime, even on holidays.
• Versatile Uses : Pay utility bills, credit card bills, or make online purchases to merchants.

Security Tips for Jammu and Kashmir Bank IMPS Transactions

• Protect OTPs and MPIN : Never share your OTP or MPIN with anyone, as they are critical for transaction authentication.
• Use Secure Networks : Avoid public Wi-Fi for mobile or net banking transactions.
• Log Out : Always log out after completing transactions to prevent unauthorized access.
• Monitor Accounts : Regularly check your transaction history for suspicious activity.
• Use Official Channels : Access IMPS services only through J&K Bank’s official website or mPay Delight+ Mobile Banking app.
• Report Phishing : Immediately report suspicious emails, SMS, or calls to J&K Bank’s customer care at 1800-890-2122

Conclusion

Jammu and Kashmir Bank’s IMPS service offers a fast, secure, and affordable way to transfer funds instantly, with IMPS charges starting at ₹5 per transaction for amounts up to ₹1,00,000 and a maximum daily limit of ₹2,00,000. Leveraging the mPay Delight+ Mobile Banking app or J&K Bank Net Banking ensures seamless, cost-effective transfers. Embrace the convenience of IMPS for real-time, hassle-free fund transfers across India.