J&K Bank Mobile Banking

Last Updated : April 29, 2025, 12:12 p.m.

J&K Bank Mobile Banking provides a convenient and secure platform for customers to manage their finances anytime, anywhere, primarily through the JKB mPay Delight+ mobile banking app. This service caters to retail and corporate customers, offering over 100 banking services, including account management, fund transfers, bill payments, investments, and loan applications.

Supplementary channels like WhatsApp Banking, SMS Banking, Missed Call Banking, and USSD Banking enhance accessibility for users with varying device capabilities. Below is a comprehensive overview of J&K Bank Mobile Banking, including its features.

Types of J&K Bank Mobile Banking

The different types of J&K bank mobile banking are -

J&K Bank Mobile Banking Registration

J&K Bank Mobile Banking Registration can be done as follows -

Steps to Register for J&K Bank Mobile Banking:

Step 1: Download the App

Step 2: Launch and Verify Mobile Number

• Open the mPay Delight+ app.
  
• Allow necessary permissions (like access to SMS, phone, location).
  
• Choose the SIM linked with your registered mobile number.
  
• The app will automatically send an SMS for verification (standard SMS charges apply).

Step 3: Authentication Using Debit Card

• After mobile verification, enter your Debit Card Number, Card Expiry Date, and ATM PIN.
  
• Click on Submit.

Step 4: OTP Verification

• You will receive an OTP on your registered mobile number.
  
• Enter the OTP to proceed.

Step 5: Set Login Credentials

• Create a 6-digit Login MPIN (for app login).
  
• Create a 6-digit Transaction TPIN (for completing transactions).

Step 6: Complete Registration

• Once your MPIN and TPIN are set, your registration is complete.
  
• You can now log in anytime using the MPIN and start using the full range of mobile banking services.

Process to Login J&K Bank Mobile Banking App

Follow the following Steps to Log In to J&K bank mobile banking app.

1. Download and Install the App:
   • Install the JKB mPay Delight+ app from the Google Play Store (Android) or App Store (iOS).
   • Ensure you download the official app by verifying the developer as J&K Bank.
2. Open the App:
   • Launch the JKB mPay Delight+ app on your smartphone.
   • Ensure the SIM with your registered mobile number is inserted for device binding and OTP verification.
3. Select Login Option:
   • On the welcome screen, tap Login or Existing User.
   • If not registered, complete registration first (see below for registration steps).
4. Choose Authentication Method:
   • Option 1: MPIN:
     • Enter your Customer ID (from statements, chequebook, or welcome letter).
     • Input your 4-digit MPIN set during registration.
     • Tap Login or Submit.
   • Option 2: Biometric Authentication (if enabled):
     • Use fingerprint authentication on the device’s biometric sensor (must be set up in app settings post-registration).
     • Authenticate to log in.
   • Option 3: Alternate Login (if MPIN forgotten):
     • Use Forgot MPIN (see troubleshooting below) to reset credentials.
     • Alternatively, contact customer care for temporary access.
5. Device Binding & OTP Verification (if prompted):
   • The app verifies the device and SIM linked to your registered mobile number.
   • For first-time login on a new device or security checks, an OTP is sent to your registered number. Enter the OTP to proceed.
   • Ensure Location Permission is enabled, as the app may require it for security.
6. Access the App:
   • Upon successful authentication, you’ll access the app’s dashboard.
   • Manage over 100+ services, including account balance checks, fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, loan applications, and credit card management.

J&K Bank Whatsapp Mobile Banking

Below are some points for using the J&K Bank mobile banking.

• Purpose: Enables customers to perform non-financial banking tasks instantly via WhatsApp, enhancing accessibility for users who prefer a chat-based interface.
• Target Users: Existing J&K Bank customers with savings, current, loan, or credit card accounts, registered with their mobile number.
• Cost: Free (standard data charges apply for WhatsApp usage).
• Availability: 24/7, accessible on any smartphone with WhatsApp installed.
• Official Number: Contact J&K Bank for the exact WhatsApp number (not publicly detailed in sources; typically provided via the mPay Delight+ App or customer care).
• Security: End-to-end encryption, OTP verification for sensitive queries, and restricted access to the registered mobile number.

Benefits of J&K Bank Mobile Banking

Below are the benefits of J&K bank mobile banking.

Uses of J&K Bank Mobile Banking App

Uses of J&K Bank Mobile Banking App -

1. Account Management:
   • Check real-time account balances for savings, current, or loan accounts.
   • View mini-statements (recent transactions) and detailed transaction history.
   • Download or email e-statements for record-keeping.
   • Update KYC details (e.g., Aadhaar, PAN) and manage account settings.
2. Fund Transfers:
   • UPI (JKB BHIM UPI): Make instant payments via Scan to Pay (QR codes), Pay to Contact (VPA/phone number), or merchant transactions.
   • IMPS: Transfer funds instantly using account number/IFSC or MMID.
   • NEFT/RTGS: Execute or schedule inter-bank transfers (charges may apply).
   • Intra-Bank Transfers: Move money between J&K Bank accounts instantly, free of charge.
   • Add, modify, or delete beneficiaries for recurring transfers.
3. Bill Payments and Recharges:
   • Pay utility bills (electricity, water, gas, J&K PDD) through the Bharat Bill Payment System (BBPS).
   • Recharge mobile phones (prepaid) and DTH services for any provider.
   • Pay credit card bills (J&K Bank or other banks).
   • Set up auto-debit or scheduled payments to avoid missed due dates.
4. Investments:
   • Open and manage Fixed Deposits (FDs) and Recurring Deposits (RDs) with competitive rates.
   • Invest in mutual funds and Demat services via JKB Financial Services Ltd. (JKBFSL).
   • Apply for Initial Public Offerings (IPOs) or trade in stock markets.
   • Use the in-app Calculator to estimate FD returns or investment growth.
5. Loan Services:
   • Apply for personal, car, home, two-wheeler, or education loans directly in the app.
   • Check loan eligibility, EMI schedules, and repayment status.
   • Calculate monthly loan payments using the EMI Calculator feature.
   • Access pre-approved loan offers for eligible customers.
6. Credit Card Management:
   • Pay credit card bills, check outstanding balances, and manage reward points.
   • Enable auto-debit for timely bill payments.
   • Block lost/stolen credit cards or manage transaction settings (e.g., international usage).
7. Service Requests:
   • Request chequebooks or check cheque status.
   • Apply for debit cards or activate Green PIN for debit card authentication.
   • Block debit/credit cards if lost or stolen.
   • Request account statements or update account details.
8. Merchant and Online Payments:
   • Pay at POS terminals, online merchants, or retail stores using UPI, debit/credit cards, or Easy Collect.
   • Support for QR code payments and Internet Payment Gateway for e-commerce.
   • Make payments for online shopping, travel bookings, or dining.
9. Insurance and Tax Payments:
   • Purchase life insurance (PNB Metlife) or non-life insurance (Bajaj Allianz, IFFCO Tokio).
   • Manage insurance policies, renewals, or claims.
   • Pay taxes (income tax, GST) through the dedicated Tax Corner feature.
10. Additional Features:
    • Virtual ATM (vATM): Withdraw cash without a card via Paymart India Pvt. Ltd. at enabled ATMs.
    • Lite Mode (mPay Delight+ Lite): Access essential services (balance, transfers, payee management) on low-end devices with a simplified UI.
    • Notifications: Receive real-time transaction alerts, promotional offers, and banking updates via SMS/email.
    • Customer Support: Submit feedback, and complaints, or contact customer care in-app.

How to Reset the Password of J&K Bank Mobile Banking?

To reset the password for J&K Bank mobile banking -

Method 1: Using the "Forgot MPIN" Option

1. Open the mPay Delight+ App.
   
2. On the Login Screen, tap on "Forgot MPIN".
   
3. Enter your registered mobile number.
   
4. Verify through an OTP sent to your mobile.
   
5. Enter Debit Card Details:
   
   • Card Number
     
   • Expiry Date
     
   • ATM PIN
     
6. After verification, set a new 6-digit MPIN.
   
7. Login using the newly created MPIN.

If You Forgot Your Transaction TPIN:

Method 2: Reset TPIN Inside the App

1. Login to the App using your MPIN.
   
2. Go to Settings or Profile Settings.
   
3. Select Change TPIN / Reset TPIN option.
   
4. You may need to:
   
   • Authenticate using Debit Card details or
     
   • Enter an OTP sent to your registered mobile number.
     
5. Set a new TPIN (6-digit number for transaction authorization).

J&K Bank Mobile Banking Transaction Limit

Below are the transaction limits for J&K Bank mobile banking-