Jammu & Kashmir Bank Debit Card PIN Generation

Last Updated : April 24, 2025, 6:28 p.m.

To use your J&K Bank Debit Card for ATM withdrawals, shopping, or online payments, you’ll need to set a secure 4-digit PIN. The bank makes it easy for customers to generate or reset their PIN using multiple channels like ATMs, internet banking, or mobile apps, all designed for quick access and enhanced security.

Generate Jammu & Kashmir Bank Debit Card T-PIN as a First-Time Caller

If you're calling for the first time, follow these steps at the main IVR menu to generate your T-PIN, and here is the toll-free number: 18008902122

• Press 1 or 2 as per the IVR instructions.

• Type in your 16-digit bank account number and press the # key to continue.

• The system will identify the registered mobile number and speak out the last 3 digits for your confirmation.

• A 6-digit One Time Password (OTP) will be sent to your registered mobile number via SMS.

• This OTP is valid for one-time use within the specified duration.

• If the OTP is delayed due to network issues, you can disconnect and call again within the OTP's validity window.

• If you’ve received a valid OTP, press 1 to proceed. Otherwise, press 2 to generate a new one.

• Enter the OTP when prompted to proceed.

• You’ll now be asked to set your new 4-digit T-PIN.

Note:
You can reset or change your T-PIN anytime by choosing Option 2 > Sub-option 5 from the main IVR menu.

Only authenticated callers will be granted access to account-related information. Authentication is done using either:

• ATM Card details + ATM PIN, or
• T-PIN

For your safety, never share your OTP, ATM PIN, or T-PIN with anyone, even if they claim to be from the bank.

Jammu & Kashmir Bank Debit Card PIN Generation Via ATM

You can easily set or reset your J&K Bank Debit Card PIN at any J&K Bank ATM by following these simple steps:

• Visit a J&K Bank ATM near you.

• Insert your Debit Card into the machine.

• Choose the ‘Generate PIN’ or ‘Create PIN’ option from the available menu.

• Enter your Customer ID or other required details as prompted.

• You will receive a one-time password (OTP) on your registered mobile number.

• Enter the OTP on the ATM screen to proceed.

• Set a new 4-digit PIN of your choice.

• Confirm the PIN by entering it again.

Your PIN is now successfully set, and your Debit Card is ready for use at ATMs, POS machines, and online platforms.

Conclusion

Generating your Jammu & Kashmir Bank Debit Card PIN is quick, secure, and user-friendly. With easy options like ATM setup and digital platforms, you can activate your card and start transacting with confidence in just a few steps.