The facility shall be available to prepaid as well as post-paid mobile subscribers subject to condition that SMS service should be active on the number. The facility shall be available through GPRS / Wi-Fi (Internet).However on boarding is to be done using mobile data only.

Mobile banking application is compatible on eligible Android and IOS phones with Internet facility.

  1. Online registration using Debit card
  2. Fund transfer within Bank to other Accounts
  3. Mobile to Mobile Funds Transfer
  4. Interbank Fund Transfer using NEFT and RTGS.
  5. Funds Transfer using IMPS
  6. Balance Inquiry
  7. Mini Statement
  8. Bank Statement over email
  9. Cheque Status
  10. Cheque Stop
  11. Debit Card Hotlist/Apply New Card/Debit card Management
  12. Credit Card Enquiry/ Bill payment/Statement
  13. Block Credit Card
  14. Term Deposit Opening/Closing
  15. JKPDD Bill Payment
  16. Donations
  17. Personalized Dashboard
  18. Reset MPIN/TPIN online using Debit Card
  19. Branch Locator Service
  20. ATM Locator Service
  21. Products and Offers
  22. RD account opening and closure.
  23. Easy Collect
  24. Whatsapp Banking
  25. Instant Loan
  26. SMS Alert Subscription
  27. Positive Pay System
  28. Update Email Address
  29. Nominee Management

Customer can download J&K Bank Mobile Banking App from their respective App Store and install the same on his / her mobile handset.

  1. After opening the App customer would be asked to enter his/her:
    1. Debit Card Number
    2. Debit Card Expiry Date
    3. Debit Card 4 digits PIN
  2. This information will be validated by the bank. If successful, an OTP will be send to customer on same mobile number through which he is registering, provided the mobile number is the same as the number registered with the bank
  3. Subsequently, the Customer will be prompted to enter his OTP.  Once the OTP is validated, the customer will be prompted to set MPIN(for Login)/TPIN (For Trnsaction)
  4. In case the mobile number being used for registration is different from the one registered with the bank, then the customer’s request for registration will be declined.
  5. The app has no user id. It works on two pins: LOGIN Password(MPIN) and and Transactional Password TPIN which are both 6 digits.
  6. All the Eligible accounts of the customer shall be available for transactions.

For any issues, please contact Helpdesk on 18008902122 or mail your queries on

Mobile Banking Privacy Policy

This page is used to inform Mobile application users/Website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.
If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

Who is covered under this Policy?
All natural persons ("Covered Persons"), whose personal information is either collected/ received/ possessed/ stored/ dealt in/ handled by The Jammu & Kashmir Bank Ltd who uses the bank’s mobile applications, who visit the site and who provide information to The Jammu & Kashmir Bank Ltd ("Bank") online, are covered under this Policy.

Information Collection and Use
For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy.
The app does use third party services that may collect information used to identify you. This Policy seeks to cover personal information of the Covered Persons provided to The Jammu & Kashmir Bank Ltd as also any information collected by the bank server from the visitor’s browser/mobile application. The ("Information"), i.e. any of the following:

1. Personal/private information of the Covered Persons  
"Personal information" means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.

2. Sensitive personal data or information  
"Sensitive personal data or information" of a person means such personal information which consists of information relating to:-

"Sensitive personal data or information" of a person means such personal information which consists of information relating to:-

  • financial information such as Bank account or credit card or debit card or other payment instrument details
  • Password
  • physical, physiological and mental health condition
  • Biometric information
  • sexual orientation
  • medical records and history
  • Images including photographs, location, email id and address

Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as sensitive personal data or information for these purposes.

3. Required permission for collection of Phone Number and Phone State  
The mobile app uses the read_phone_state/read_phone_numbers permission for monitoring, detecting and preventing fraud and cyber attacks.Data collected is used to detect fraudulent actions and transactions. We will not share the collected user information with any other platform

The Features of the Policy
All Information collected shall be used for the relevant lawful purposes:
(i) Connected with various functions or activities of the Bank related to services in which the Covered Person is interested, and/or,
(ii) To help determine the eligibility of the Covered Persons for the product/services requested/ applied/ shown interest in, and/or,
(iii) To enable Bank for verification and/or process applications, requests, transactions and/or maintain records as per internal/legal/regulatory requirements with regard to the Covered Persons and
(iv)To provide the Covered Person with the best possible services/products as also to protect interests of Bank
We may also share your Information, without obtaining your prior written consent, with government agencies mandated under the law to obtain information for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences, or where disclosure is necessary for compliance of a legal obligation. Any Information may be required to be disclosed to any third party by us by an order under the law for the time being in force. In this regard, it may be necessary to disclose the Information to one or more agents and contractors of Bank and their subcontractors, but such agents, contractors, and sub-contractors will be required to agree to use the Information obtained from Bank only for these purposes.
The Information will not be shared with any external organisation unless the same is necessary to protect the interests of the Bank or to enable the Bank to provide you services or to enable the completion/compilation of a transaction, credit reporting, or the same is necessary or required pursuant to applicable banking norms or pursuant to the terms and conditions applicable to such Information as agreed to with the Bank or pursuant to any requirement of law/regulations or any Government/court/other relevant authority’s directions/orders. Needless to add, confidentiality norms as applicable to banks shall be adhered to. The Bank may also share Information to provide you with superior services and a range of offers.

Log Data
We want to inform you that whenever you use our Service or in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, IMEI details, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.
This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers
We may employ third-party companies and individuals due to the following reasons:

  • To facilitate our Service;
  • To provide the Service on our behalf;
  • To perform Service-related services; or
  • To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security. We may in the future implement encryption of the cookies.

Other important information
Information provided by you are retained (for later of the) (i) as long as the purposes for which such data were collected continue. Or (ii) for such period so as to satisfy legal, regulatory or accounting requirements or to protect Bank's interests.
The Covered Persons have authorized the Bank to exchange, share, part with all information related to the details and transaction history of the Covered Persons to its Affiliates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management or any of the aforesaid purposes and shall not hold The Bank liable for use or disclosure of this information.
As regards the information collected from visitors of the mobile applications, website online (“visitor”), The Bank will use the Information to improve the Covered Person's experience on the site and make subsequent offers to the visitor on products which may be of interest to him / her, if so agreed while giving information.

Links to Other Sites
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. The Bank also may disclose information about you as permitted or required by law. These changes are effective immediately after they are posted on this page.

Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

Effective Date
15th Aug, 2023

Checksum mpay delight plus app -IOS

Checksum mpay delight plus app -Android


SHA-256 Checksum value:mpayDelight checksum - Android

SHA-256 Checksum value:UPI Checksum  - Android

SHA-256 Checksum value:mpayDelight checksum - IOS
2149698f3da81747aff628dd7ca9c920321d822e678ed98030d14db4e8716a33  mPAY – Delight.ipa

SHA-256 Checksum value:UPI Checksum  - IOS
6e3d78d730702468dd8165eec40254fd78ca685b209391dac8c74644c24ac2f0  UPI_JNK.ipa

1.  Definitions:  The following words and expressions shall have the corresponding meanings wherever appropriate.
1.1‟ Account’, shall mean an account with the Bank in which a request for availing the Mobile Banking Service has been registered or re-registered with the Bank.

1.2  „Customer’ means the holder of an Account in J&K Bank

1.3„MPIN’ shall mean the Personal Identification Number (password) for the Mobile Banking.

1.4‘Mobile Banking’ shall mean Mobile Banking Service offered by the Bank and includes the service over the application

1.5  ‘USSD’ shall mean Unstructured Supplementary Service Data

1.6„Bank’shall mean Jammu and Kashmir Bank or any successor or assign of it

 1.7„Facility’ shall mean Mobile Banking facility provided by J&K Bank to the Customer.

1.8„Mobile Phone Number’ shall mean the Mobile number that has been used by the Customer to register for the Facility.

1.9 ‘Application’ shall mean the Bank’s Mobile Banking application which will be downloaded onto the mobile phone of the Customer.

1.10„WAP „means Wireless Application Protocol.

1.11 „Bank’s website means

2. Applicability of Terms and Conditions

2.1 No Customer is entitled to use the Mobile Banking without understanding and agreeing to the Terms and Conditions for Mobile Banking Service. By using the Mobile Banking, the Customers thereby agree and consent to these Terms and Conditions, which form the contract between the Customer and Bank. Mobile Banking shall be governed by such terms and conditions as amended by the Bank from time to time. These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any Account of the Customer and/or the respective product or the service provided by the Bank unless otherwise specifically stated.

3. General Business Rules Governing Mobile Banking Service

The following Business rules will apply to the Mobile Banking:

3.1 The Facility will be available to Customers having a Savings/ Current/CC/SOD account with the Bank.

3.2 The daily upper ceiling under the Facility, per Customer shall be Rs.10,00,000/- for aggregate of fund transfer (customer interlinked a/c transfers included), bill payment and merchant payment within an overall calendar month limit of Rs.40,00,000.00.

3.3 Entering the wrong MPIN/TPIN thrice will block the Mobile Banking User.

3.4 Any change in the business rules of any of the processes will be notified on Bank’s website which will be construed as sufficient notice to the Customer.

3.5 In the case of a joint account, customer is required to get the required mandate duly authorized from the other holder. Accounts in the name of minor or where minor is a joint account holder are not eligible for Mobile Banking.

3.6 The Bank reserves the right to reject a Customer’s request for Mobile Banking without assigning any reasons.

3.7 The Bank may suspend the Facility, if the same has not been accessed by the Customer for three months or more. If the Facility has not been accessed for six months or more, the same will be cancelled.

3.8 The Customer can request for termination of the Facility by de-registering at J&K Bank branch of the primary account enabled for Mobile Banking. The Customer shall remain accountable for all the transactions on the designated account made prior to confirmation of any such cancellation request by the Bank. It shall be the Bank’s endeavor to give a reasonable notice for withdrawal or termination of the facility, but the Bank may at its discretion withdraw temporarily or terminate the facility, either wholly or partially, anytime without giving prior notice to the Customer. The facility may  be  suspended  for  any  maintenance  or  repair  work  for  any  breakdown  in  the  Hardware/ Software of Mobile Banking, any emergency or security reasons without prior notice and the bank shall not be responsible if such an action has to be taken for reasons of security or emergency.

3.9 The services offered under the Facility will be automatically terminated if the primary account linked for the Mobile Banking Services is closed. The Bank may also terminate or suspend the services  under  the  Facility  without  prior  notice  if  the  Customer  has  violated  the  terms  and conditions laid down by the Bank or on the death of the Customer when brought to the notice of the Bank.

4. Usage of Facility:

By accepting the terms and conditions while registering for the facility, the Customer:

4.1 Agrees to use the Mobile Banking for financial and non-financial transactions offered by the Bank from time to time.

4.2 Also irrevocably authorizes the Bank to debit the accounts which have been enabled for Mobile Banking for all transactions/services undertaken by using TPIN.

4.3 authorizes the Bank to map the account number, User ID and Mobile Phone Number for the smooth operation of Mobile Banking offered by Bank and to preserve the mapping record in its own server   or   server   of   any   other   third   party   and   to   use   such   data   at   its   discretion   for providing/enhancing further banking/ technology products that it may offer.

4.4 agrees that he/ she is aware and accepts that Mobile Banking offered by the Bank will enable him/her to transact using MPIN within the limit prescribed by the Bank and will be deemed as bonafide transaction.

4.5 Agrees that the transactions originated using the mobile phones are non-retractable as these are instantaneous/real time.

4.6 Understands and explicitly agrees that Bank has the absolute and unfettered right to revise the prescribed ceilings from time to time which will be binding upon him/her.

4.7 Agrees to use the facility on a mobile phone properly and validly registered in his/her name only with the Mobile Service Provider and undertakes to use the Facility only through Mobile Phone Number which has been used to register for the Facility.

4.8 agrees that while the Information Technology Act , 2000 prescribes that a subscriber may authenticate an electronic record by affixing his digital signature which has been given legal recognition under the Act, the Bank is authenticating the Customer by using Mobile Number, MPIN or any other method decided at the discretion of the Bank which may not be recognized under the IT Act, 2000 for authentication of electronic records and this is acceptable and binding to the Customer and hence the Customer is solely responsible for maintenance of the secrecy and confidentiality of the MPIN without any liability to the Bank.


5. Responsibilities and obligations of the Customer
5.1  The  Customer  will  be  responsible  for  all  transactions,  including  unauthorized  /erroneous/ wrong/ incorrect/mistaken/false transactions made through the use of his/ her mobile phone, SIM card and MPIN/TPIN, regardless of whether such transactions are in fact entered into or authorized by him/ her. The Customer will be responsible for the loss/damage, if any suffered in respect of all such transactions.
5.2 The Customer shall take all possible steps to ensure that the Application and his/her mobile phone are not shared with anyone and shall take immediate action to de-register from Mobile Banking as per procedure laid down in case of misuse/ theft/loss of the mobile phone or SIM card.
5.3 The Customer will use the services offered under the Facility using the MPIN/TPIN in accordance with the procedure as laid down by the Bank from time to time, including the terms and conditions contained herein.
5.4 The Customer shall keep the TPIN and  MPIN confidential and will not disclose these to any other person or will not record them in a way that would compromise the confidentiality of the same or the security of the service.
5.5 It will be the responsibility of the Customer to notify the Bank immediately if he/ she suspect the misuse of the MPIN/TPIN. He will also immediately initiate the necessary steps to change his MPIN/TPIN.
5.6 If the mobile phone or SIM is lost, the user must immediately take action to de-register from Mobile Banking at any branch of the primary account enabled for Mobile Banking.
5.7 The Customer accepts that any valid transaction originating from the USER ID and / or registered mobile phone number shall be assumed to have been initiated by the Customer and any transaction authorized by the TPIN is duly and legally authorized by the Customer.
5.8 The Customer shall keep himself/herself updated with regard to any information/ modification relating to the services offered under the Facility which would be publicized on the Bank’s websites and at the branches and would be responsible for taking note of / compliance of such information/ modifications in making use of the Facility.
5.9 The Customer shall be liable for all loss or breach of the Terms and Conditions contained herein or contributed or caused the loss by negligent actions or a failure to advise the Bank within a reasonable time about any unauthorized access in the account.
5.10 The Customer shall be liable and responsible for all legal compliance and adherence of all commercial terms and conditions in respect of the mobile connection/SIM card/mobile phone through which the facility is availed and the Bank does not accept/ acknowledge any responsibility in this regard.
5.11 It is the responsibility of the Customer to notify the Bank, about any change in mode of operation, through a separate communication, making a specific reference to the Mobile Banking availed. It is also the responsibility of the Customer to notify the Bank, any other change in the operation of the account which will otherwise make the account ineligible for the Mobile Banking. Any failure on the part of the Customer to advise the Bank separately shall continue to bind all the account holders, jointly and severally for the transactions through this Facility.
6. Funds Transfer
6.1 The  Customer  shall  not  use  or  attempt  to  use  Mobile  Banking  for  funds  transfer  without sufficient funds in the relative account or without a pre-existing arrangement with J&K Bank for the grant of an overdraft.
6.2 J&K Bank will endeavor to effect such funds transfer transactions received through Mobile Banking provided there are sufficient funds available in the Account. J&K Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of J&K Bank.

7. Fee structure for the Facility:

7.1The facility shall be provided free of any charges. However, the Bank reserves the right to charge the Customer a fee for the use of the services provided under the Facility and change the fee structure at its discretion. Display of such charges on Bank’s websites would serve as sufficient notice and the same is binding on the customer.

8. Accuracy of Information:

8.1 It is the responsibility of the Customer to provide correct information to the Bank through the use of the Facility or any other method. In case of any discrepancy in this information, the Customer understands that the Bank will not be in any way responsible for action taken based on the information. The Bank will endeavor to correct the error promptly wherever possible on a best effort basis, if the customer reports such error in information.

8.2 The Customer understands that the Bank will try, to the best of its ability and effort, to provide accurate information and shall not hold the Bank responsible for any errors or omissions that may occur due to reasons beyond the control of the Bank.

8.3 The Customer accepts that the Bank shall not be responsible for any errors which may occur in spite of the steps taken by the Bank to ensure the accuracy of the information and shall not have any claim against the Bank in an event of any loss/ damage suffered as a consequence of an information provided by the Bank found to be not correct.

9. Communications through Electronic means

Documents sent by electronic delivery will contain all the information as it appears in the printed hard copy version as prepared and distributed by the originator, with the possible exception of graphic insertions such as photographs or logotypes. Electronic delivery may be in the form of an electronic mail, an attachment to the electronic mail, or in the form of an available download from the Website. J&K Bank would be deemed to have fulfilled its legal obligation to deliver to the Customer any document if such document is sent via electronic means. Failure to advise J&K Bank of any difficulty in opening a document so delivered within twenty-four (24) hours after delivery shall serve as an affirmation regarding the acceptance of the document.

10. Bank’s Lien
J&K Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well  as  future  on  the  deposits  held  in  the  Customer’s  Primary  Account  and/  or;  Secondary Account(s) or in any other account, whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the Mobile Banking extended to and/ or used by the Customer.

11.Disclaimer of Warranties.

11.1 Except as warranted in the Terms and Conditions, J&K Bank expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in the Facility.

11.2 J&K Bank does not warrant that access to the Facility will be uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that may be obtained from use of the Facility or as to the accuracy or reliability of the Facility.

11.3 J&K Bank will not be liable for any virus that may enter the Customer’s system as a result of the Customer using the Facility.


12. Indemnity

The Customer agrees, at its own expense, to indemnify, defend and hold harmless J&K Bank, its directors and employees, representatives, agents, and its Affiliates against any claim, suit, action or other proceeding brought against J&K Bank, its directors and employees, representatives, agents, and Affiliates by a third party, to the extent that such claim, suit, action or other proceeding brought against J&K Bank, its directors and employees, representatives, agents, and Affiliates is based on or arises in connection with the user of the Facility with reference to :

(i) a violation of the Terms and Conditions contained herein by the Customer;

(ii) Any deletions, additions, insertions or alterations to, or any unauthorized use of, the Facility by the Customer.

(iii) Any misrepresentation or breach of representation or warranty made by the Customer contained herein; or
(iv) Any breach of any covenant or obligation to be performed by the Customer hereunder. The Customer agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys’ fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, and action or proceeding attributable to any such claim.

13. Others

13.1 The Bank reserves the right to decide what services may be offered. Additions/ deletions to the services offered under the facility are at its sole discretion.
13.2 The instructions of the Customer shall be effected only after authentication under his/her USER ID and MPIN or through any other mode of verification as may be stipulated at the discretion of the Bank.
13.3 While it shall be the endeavor of the Bank to carry out the instructions received from the Customers promptly, it shall not be responsible for the delay/ failure in carrying out the instructions due to any reasons whatsoever including failure of operational system or due to any requirement of law. The Customer expressly authorizes the Bank to access his/her account information required for offering the services under the Facility and also to share the information regarding his/ her accounts with the service provider/ third party as may be required to provide the services under the Facility.
13.4 The transactional details will be recorded by the Bank and these records will be regarded as conclusive proof of the authenticity and accuracy of transactions.
13.5  The  Customer  hereby  authorizes  the  Bank  or  its  agents  to  send  promotional  messages including the products of the Bank, greetings or any other messages the Bank may consider from time to time.
13.6 The Customer understands that the Bank may send „rejection‟ or „cannot process‟ the request messages for the service request(s) sent by the Customer which could not be executed for any reason.
13.7 The Bank shall make all reasonable efforts to ensure that the Customer information is kept confidential but shall not be responsible for any inadvertent divulgence or leakage of confidential Customer information for reasons beyond its control or by action of any third party.
13.8 It is the responsibility of the Customer to advise the Bank of any change in his mobile number or loss/ theft of mobile phone by adopting the procedure laid down by the Bank for the purpose.
13.9 The Telecom Service provider of the customer may levy charges for each SMS/ dial/GPRS and the Bank is not liable for any dispute that may arise between such telecom service provider and the Customer.