J&K Bank WhatsApp Banking

Last Updated : May 26, 2025, 3:44 p.m.

Jammu and Kashmir Bank (J&K Bank), a premier private sector bank established in 1938 and headquartered in Srinagar, offers a convenient WhatsApp Banking service through its official number, +91 9906663937. This service allows customers to manage their finances with a simple message, whether checking account balances, requesting mini statements, or exploring loan options. With a network of 1012 branches and 1423 ATMs across India, J&K Bank serves customers in Jammu & Kashmir, Ladakh, and beyond. This article explains how to use J&K Bank WhatsApp Banking, its features, and how Wishfin can help compare products like J&K Bank personal loans or savings accounts . Ideal for young professionals in Srinagar, small business owners in Jammu, rural customers in Ladakh, or NRIs, this guide has you covered.

What is J&K Bank WhatsApp Banking?

J&K Bank’s WhatsApp Banking enables customers to perform banking tasks by messaging +91 9906663937 from their registered mobile number. Launched to enhance accessibility, this 24/7 service offers a secure, menu-driven interface for instant updates. It complements J&K Bank’s digital offerings, like the mPay Delight+ app, recognized for seamless banking across its vast network. Whether in Srinagar or abroad, customers, including those using J&K Bank WhatsApp Banking for NRIs, can access services effortlessly.

How to Use J&K Bank WhatsApp Banking?

Getting started is simple. Follow these steps to access services like J&K Bank balance check or J&K Bank mini statement:

1. Save the Official Number : Add +91 9906663937 as “J&K Bank WhatsApp” to your contacts.
2. Send a Message : Open WhatsApp and send “Hi” from your registered mobile number.
3. Select Services : A chatbot will display a menu. Reply with the option number (e.g., “1” for balance inquiry, “2” for mini statement).
4. Receive Details : Get instant updates on your account balance or transactions in the chat.

Key Features of J&K Bank WhatsApp Banking

J&K Bank’s WhatsApp Banking offers services tailored to diverse needs, from urban professionals to rural customers:

• J&K Bank balance check : View real-time account balances instantly.
• J&K Bank mini statement : Access details of your last five transactions.
• Loan Inquiries : Check status or EMI details for J&K Bank personal loans or home loans.
• Fixed Deposit Details : Get updates on J&K Bank fixed deposits with rates up to 7.10% (as of December 2024).
• Service Requests : Order cheque books or request account statements.
• Secure and Free : End-to-end encrypted with no charges, though data costs may apply.

Benefits of J&K Bank WhatsApp Banking

• Convenience : Access banking 24/7 without additional apps.
• Real-Time Updates : Instantly check balances, transactions, or loan details.
• User-Friendly : Simple menu-driven interface, like chatting with a representative.
• Secure Access : Restricted to registered mobile numbers, ensuring safety.
• Cost-Free : No service charges, though data plan costs may apply.

Alternative Digital Banking Options

If WhatsApp Banking isn’t your preference, J&K Bank offers other channels to manage your savings account or fixed deposit:

• mPay Delight+ App : Access over 100 services, including balance checks, fund transfers, and loan applications. Download from Google Play Store or Apple App Store.
• Missed Call Banking : Dial 1800 890 2122 for a J&K Bank balance check via SMS.
• SMS Banking : Text to 1800 890 2122 for balance or transaction details, ideal for J&K Bank SMS banking without internet.
• Internet Banking : Log in at jkbankonline.com for account summaries, transfers, or J&K Bank personal loans.
• ATM Services : Check balances or mini statements at 1423 J&K Bank ATMs using your debit card.

Best For : Rural customers in Ladakh, seniors preferring offline options, or tech-savvy users in Jammu.

Why Choose J&K Bank with Wishfin?

J&K Bank, a Scheduled Commercial Bank with a 59.40% stake held by the Government of Jammu & Kashmir and Ladakh, offers zero-balance savings accounts, personal loans up to ₹5 lakh, and fixed deposits with competitive rates. Recognized for digital payment excellence and agriculture financing, J&K Bank serves diverse segments, from farmers to corporate clients. Wishfin helps compare these with other banks to find the best rates for home loans or credit cards, empowering customers in Srinagar, Delhi, or abroad.

Call-to-Action : Simplify your banking with J&K Bank WhatsApp Banking! Compare J&K Bank personal loans, fixed deposits, or savings accounts on Wishfin to secure the best financial products in India. Visit Wishfin.com now!