J&K Bank’s secure eBanking platform (via jkbankonline.com) offers both retail and corporate clients round‑the‑clock access to account management, fund transfers, bill payments, investments, tax services, and more.
Who Can Use It?
- Retail Customers: Savings/current account holders with registered mobile number.
- Corporate Users: Organizations and business customers—separate portal.
- Debit card holders and PAN/DOB validation required for retail sign-up.
Registration & Activation (Retail)
1. Go to the J&K Bank Net Banking Portal
Choose Retail Login → click “Create New Account”.
2. Enter Required Details
Provide Account Number, Date of Birth or PAN, and captcha. Submit to receive OTP on mobile/email.
3. Authenticate Using Debit Card
Provide debit card number, expiry, and CVV to verify identity.
4. Set Credentials
Create your Login Password and Transaction Password (TPIN). Credentials are sent with success notification. Net banking access activates within 24–48 hours.
Login & Security
- Navigate to Retail Login → enter User ID, Password, and Captcha.
- OTP authentication or TPIN setup secures financial transactions.
- Account locks automatically after multiple failed attempts; password reset is available online using OTP verification.
Core Services & Features
| Feature Area | What You Can Do |
|---|---|
| Account Management | View balances, statements, e-statements, account details |
| Fund Transfers | NEFT, RTGS, IMPS—both intra-bank and inter-bank transfers |
| Bill Payments | Utility bills, mobile/DTH recharge, postpaid bills via BBPS |
| Tax & Government Payments | Instant payment of GST & income tax through integrated online services |
| Deposit & Investments | Open Fixed/Recurring Deposits, cash certificates, demat account access |
| Service Requests | Request chequebook, block debit card, stop payment, etc. |
| E-commerce & POS Payments | Integrated payment gateway & UPI-enabled transactions |
Transaction Charges & Limits
- IMPS: ₹5 lakh/day limit. Charges range from ₹2.50 to ₹25 + GST depending on amount.
- NEFT / RTGS: Nominal per-transaction fees apply; some accounts like Gold, Platinum, and pensioner categories may qualify for waivers.
Forgot Password or Reset User ID
- Click “Forgot Password” on login page → enter Registered Mobile → receive OTP → set a new password.
- Alternatively, contact customer care at 1800‑890‑2122 for assistance.
Access via Mobile App: JKB mPay Delight+
- Download the mPay Delight+ app → register with Customer ID and registered mobile via OTP → authenticate using debit card and ATM PIN.
- Create a Login MPIN and a Transaction TPIN (6-digit) to access services safely.
Supported features include:
- Account balance & mini statement
- UPI payments
- Bill payments, DTH/mobile recharge
- FD/RD opening, mutual funds, demat services
- Card and cheque services
- Device binding, biometric login, Lite mode for low-end devices
- WhatsApp banking for balance/mini statement (limited services)
Security Best Practices
- Always use the official login URL (
jkbankonline.com) or official app. - Use OTP + TPIN combination for enhanced security.
- Log out after sessions; avoid public or shared devices.
- Never disclose OTP, passwords, or card details.
Final Takeaway
J&K Bank’s net banking services offer a complete, secure, and easy-to-use digital interface for retail and corporate users. Whether you’re paying bills, transferring funds, or managing your investments, net banking and mPay Delight+ apps are powerful tools offering all that—and more—at your fingertips.
Would you like a visual step-by-step infographic, video walkthrough, or printable checklist for tasks like registration, fund transfer, or password reset? I’d be happy to create one!
