JKB mPay Delight+

Introducing JKB mPay Delight+ App, the latest version of J&K Bank's official mobile banking application. With an easy-to-use and completely secure interface, this app offers a range of services including balance enquiry, mini statement, full statement (email and download), fund transfer within and outside the bank, and even the ability to check the status of your issued cheques and stop payments if needed. Available 24/7, this app also boasts a new user-friendly interface that makes banking on-the-go a breeze. Click now to download and experience the convenience for yourself!

Features:

User-friendly interface: The app is easy to navigate and provides a seamless user experience. It is designed to be intuitive and user-friendly, making it easy for anyone to use.

Account management: The app allows users to perform various account-related actions, such as checking their account balance, accessing mini and full statements via email or download, and transferring funds within the bank or to other banks.

Cheque services: Users can also inquire about the status of their cheques and even request to stop the issuance of a cheque through the app. This feature provides added convenience and control over cheque transactions.

24/7 availability: The app is available for use round the clock, ensuring that users can access their banking services anytime, anywhere. This feature eliminates the need to visit physical bank branches during working hours.

Enhanced security: The app ensures complete security for users' banking transactions and personal information. It employs robust encryption protocols and authentication measures to safeguard user data.

Updated user interface: The app offers a new and improved user interface, enhancing the overall visual appeal and ease of use. The updated UI provides a modern and attractive look, making banking more enjoyable for users.

Uses:

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

Conclusion:

JKBmPayDelight+ is an excellent mobile banking solution provided by J&K Bank. Its easy-to-use and secure features make it a reliable choice for customers. With a range of banking services, including check status enquiry and 24/7 availability, the app offers convenience and flexibility. The updated user interface adds to the overall user experience, making it a must-have for J&K Bank customers. Click to download and enjoy hassle-free banking at your fingertips.