J&K Bank Net Banking - Complete Guide to Secure Online Banking

According to Avaya's survey, Indians like doing banking through online channels the most. For over half of the people, there is a preference for conducting banking online, 51% of the respondents said they used Internet banking. 

Well! This shows Indians want fast and easy banking services and expect quick responses if anything goes wrong.

J&K Bank makes banking even easier with its Net Banking services. Through this, its customer can access his account through the Internet, anywhere at any point of day/night. Users may check the balance or transfer or pay any bill online, with no requirement to visit the branch.

What is J&K Bank

Jammu & Kashmir Bank Limited is also popularly known as J&K Bank. It is one of the oldest private sector banks in the states of Jammu, Kashmir, and Ladakh and was established in 1938. Services include personal accounts, loans, insurance, cards, business accounts, and agriculture loans. 

The goal of Jammu & Kashmir Bank is to empower the people of the region, stimulate economic growth, and promote social transformation. 

Services offered by J&K Bank Net Banking

Here’s a table summarizing services offered by J&K Bank’s net banking:

How to register in J&K Bank Net Banking

Here’s the step-by-step process of how to register in J&K Bank Net Banking:

Step 1: Visit the official website of J&K Bank net banking.

Step 2: Locate ‘Retail’ or ‘Corporate’ in the middle of the page in the green bar.

Step 3: Click on ‘Retail’ for retail internet banking or ‘Corporate’ for corporate Internet banking, according to your preference.

Step 4: On the Login Page, locate ‘click here to create one’ in blue and click on it.

Step 5: On the next page, fill in your details (like Account Number, DOB, PAN Number & Captcha) and click on the ‘Submit’ button in the blue bar.

Step 6: Now, enter OTP received on your registered mobile number, or on your registered Email ID.

Step 7: Now create your ‘Login Password’ & ‘Transaction Password’.

Note: After 24 to 48 hours of registration, you can start your net banking at J&K Bank.

How to log into J&K Bank Net Banking

Once the user has successfully registered for JK Bank Internet Banking services, they can log in to the portal by following the steps mentioned below:

Step 1: Visit the official website of J&K Bank Net Banking.

Step 2: Locate ‘Retail’ or ‘Corporate’ in the middle of the page in the green bar.

Step 3: Click on ‘Retail’ for retail Internet banking or ‘Corporate’ for corporate Internet banking, according to your preference.

Step 4: On the Login Page, enter your ‘User ID’, ‘Captcha’ & ‘Login Password’ to log into your J&K bank net banking.

Disclaimer: If you don't remember your USER ID, then call the customer care of J&K Bank (1800 890 2122). Or, you can find the message when you register your account in the J&K Bank. That message will contain your USER ID and password for login.

How to reset password for J&K Bank Net Banking

Step 1: Visit the official website of J&K Bank Net Banking.

Step 2: Locate ‘Retail’ or ‘Corporate’ in the middle of the page in the green bar.

Step 3: Click on ‘Retail’ for retail Internet banking or ‘Corporate’ for corporate Internet banking, according to your preference.

Step 4: On the Login Page, locate ‘Click Here To Regenerate Your Passwords’ under ‘Login’ written in blue & click on it.

Step 5: Now enter your registered mobile number & click on the ‘Submit’ button.

Step 6: Enter the OTP received on your registered mobile number & regenerate your password.

How to log into J&K Mobile Net Banking

Step 1: Download the J&K Mobile app ‘JKB mPay Delight+’ & install the application on your device.

Step 2: Now click on the ‘New User’ option, now enter your registered phone number & customer ID.

Step 3: Now, enter the OTP received on your registered mobile number.

Step 4: Now create a strong password.

Once you have successfully registered on the mobile banking app, you can easily log in to the app, Let’s see how:

• Open your J&K mobile app ‘JKB mPay Delight+’ on your device.
  
  
• Now enter your Customer ID & Password (you created while registering into the app) and now you’ll be successfully logged into the J&K bank mobile application.

How to transfer money via J&K Bank Net Banking

You can transfer your funds via NEFT, RTGS or IMPS via J&K Bank Net Banking:

Step 1: Visit the official website of J&K Bank Net Banking.

Step 2: Locate ‘Retail’ in the middle of the page in the green bar.

Step 3: Click on the ‘Retail’ button, now enter your ‘User ID’ & ‘Verification Code’, and click on ‘Login’.

Step 4: Enter your ‘Login Password’, and click on ‘Login’.

Step 5: Click on ‘Fund Transfer’, and then click on ‘Transfer Funds to other bank accounts with NEFT’.

Step 6: Fill in the details  & click on ‘Proceed’.

Step 7: Enter the ‘Transaction Password’ & ‘OTP’ received on your registered mobile number & click on ‘Submit’.

Note: If you are transferring funds to an account for the first time, you’ll need to add the beneficiary.

Here’s a step-by-step process on how to add a beneficiary in J&K Bank Net Banking

• Step 1: Visit the official website of J&K Bank Net Banking.
  
  
• Step 2: Locate ‘Retail’ in the middle of the page in the green bar.
  
  
• Step 3: Click on the ‘Retail’ button, now enter your ‘User ID’ & ‘Verification Code’, and click on ‘Login’.
  
  
• Step 4: Enter your ‘Login Password’, and click on ‘Login’.
  
  
• Step 5: Locate ‘Within Bank Transfer’ on the left of the page & click on it.
  
  
• Step 6: On the next page, select your Account, & fill in the beneficiary details. Now click on ‘Proceed to Payment’.
  
  
• Step 7: Enter your ‘Transaction Password’ & ‘OTP’ registered on your mobile number, & click on Submit.

Charges on transferring funds via J&K Bank Net Banking

Here’s the information about charges applied to several transactions:

This table summarizes the details of the transaction limits, charges, and additional information for each service.

How to check balance of J&K bank account

• Call the toll free number (1800 890 2122) to access account details.

Conclusion

J&K Bank's Net Banking offers an easy, secure, and efficient method of managing online finances to its customers. From fund transfers to bill payments and mobile banking, the services it provides are vast, with fewer charges. Being easy to register and accessible features, J&K Bank assures a seamless digital banking experience for users.

FAQs related to J&K Bank Net Banking

Q1. Is there a fee to pay my credit card through Internet banking?

No, we do not charge any bank fees to pay credit card bills online.

Q2. What is the verification code on the login page?

As a precautionary measure we request our users to provide the CAPTCHA/Verification code visible in the image on the same page to ensure safe access to our e-banking services.

Q3. I added a beneficiary but was unable to transfer the money to them. Why is this?

According to RBI rules, newly added beneficiaries do not become available immediately. It takes 15 minutes before your newly added beneficiary can be used in the account.

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