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Technology application has
remained the thrust area of the Bank for last many years with
an objective to offer state of the art world class Banking
facilities to its customers. The Bank continued to leverage
information technology as a strategic tool for its business
operations, to gain competitive edge in customer service as
well as improving productivity and efficiency. The Bank’s IT
strategy emphasizes enhanced level of customer services
through 24x7 availability, multi-channel Banking and cost
efficiency through optimal use of electronic channels, wider
market reach and opportunities for cross-selling. The Bank’s
focus is on harnessing technology for integrating diverse
products and services. Keeping this in view, the Bank continued
to widen the scope of multiple delivery channels such as ATM
installations, Anywhere Banking , Internet Banking and SMS Banking at more &
more centres.
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Internet Banking |
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Features |
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- Available for both Retail and Corporate users.
- SMS Banking
- Statement of Accounts.
- Funds Transfer.
Click here to Download Internet Banking Form to register as a retail user
- (Submit the filled form at your branch for creation of your Internet banking user)
Click here to Download the Internet Banking Form to register as a Corporate user.
- (Submit the filled form at your branch for creation of your Internet banking user)
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Corporate/Retail Internet Banking |
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Both corporate and retail
clients can access their accounts anytime and
from any location via the World Wide Web.
Presently following services are available to
the corporate clients:
- Access/view of accounts
- Transfer of Funds between self linked
accounts maintained with our bank.
- Transfer of Funds from their own
accounts to external accounts (e.g. Vendor
payment)
- Transfer of Funds from external to own
accounts (e.g. dealer collection).
- Transfers of Bulk upload.
- Transfer to non J & K Bank account
holders through RBI NEFT/RTGS.
- Transfer of non-standard bills.
- Utility bill payments.
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Ecommerce facility for JK Bank Ebanking customers |
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J
& K Bank Secure Payment Gateway, to provide
ecommerce facility to the ebanking customers.
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Tie up with M/S Avenues
India Pvt. Ltd. (ccevenue) and M/S BillDesk, for extending ecommerce facility to
the ebanking customers.
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The facility shall be
available to only such ebanking users, which have
been enabled by the Bank for Bill Payment facility.
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eBanking
users intending to purchase goods online through the
Ccavenue shopping site shall be required to:
- Logon to
the Master Merchant’s (M/S Avenues India Pvt. Ltd.)
website http://world.ccavenue.com/content/clients.jsp.,
- Select the item to be purchased
- Select
ebanking as the mode of payment.
- Select the J & K Bank
and the system will take the user to the J & K
Bank’s ebanking site prompting him to enter his
ebanking user-id and password.
- After entering the
Bank’s ebanking site the customer will be able to
pay the amount of bill by debit to its own account.
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M/S BillDesk - is a useful service that provides customers a single point of contact for all your payment needs. Our customer can pay bills and make other payments online. Instead of writing a cheque each time, now our customers can use any device connected to the Internet (computer, kiosk, etc) and make payments with the click of a mouse. In effect, through BillDesk customers can now make All Payments at a Single Location.
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e-Payment of Tax for
JK Bank Ebanking customers |
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- NSDL (National Securities Depository Ltd.), the first and largest depository in India, established in August 1996 and promoted by institutions of national stature responsible for economic development of the country has since established a national infrastructure of international standards that handles most of the securities held and settled in dematerialised form in the Indian capital market.
Tax Information Network (TIN), a repository of nationwide tax related information, has been established by National Securities Depository Limited on behalf of Income Tax Department of India (ITD).
Although India had a vibrant capital market which is more than a century old, the paper-based settlement of trades caused substantial problems like bad delivery and delayed transfer of title till recently.
- e-Payment facilitates payment of direct taxes online by taxpayers. To avail of this facility the taxpayer is required to have a net-banking account with any of the banks certified by NSDL,CBDT and RBI for collection of Direct TAX. J&K Bank has been added to the list.Also, e-payment of Indirect Tax for J&K State Govt. has been added to our services.
Click here to pay your Taxes Online
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ATM Services |
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Features |
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- A network of more than 440 ATMs deployed across the country.
- Accepting Maestro / Cirrus / Mastercard / VISA / NFS atm / debit / credit cards.
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Debit Cards |
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Features |
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- Pin Based -Maestro / Cirrus Debit Card
- Provides online access to savings or current account.
- Accepted at all Domestic as Well as International MasterCard™,Maestro™,Cirrus™ Enabled ATM's and Point Of Sale locations.
- Accepted at National Financial Switch (NFS) ATM's.
- No Transaction Fee at JK Bank ATM's
- No Transaction Fee on purchases
Click here for More Information.
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Credit Cards |
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Features |
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- 20-50 day Credit Free Period *
- Revolving Credit Facility on paying of minimum payment due in the same billing period.
- Hassle free credit facility at competitive rate of interest.
- Cash Withdrawal Facility upto 20% of total credit limit *.
- Loyalty programme
- MasterCard® SecureCode™ enbaled Credit Cards.J&K Bank lets you shop securely online with your J&K Bank MasterCard Credit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet
- To use the facility, you would:
- Connect to the Internet and shop online using your J&K Bank Credit Card.
- You don't need any special software to use MasterCard SecureCode.
- Using this facility is as easy as using a PIN for ATM transactions.
- Grievance Nodal Officer for Credit Cards
Click here to Acquire MasterCard Securecode for your Credit Card.
Click here for More Information
* Conditions Apply |
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Most
Important Terms and Conditions (JK Bank Credit Card)
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Click here for MITC
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One Time Password(OTP) for IVR transactions |
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Effective January 1, 2011, as mandated by Reserve Bank of India (RBI), Credit-Card-issuing Banks in India have introduced an additional measure of security for IVR transactions (Interactive Voice Response transactions are those transactions which are made over the phone where certain Credit-Card details are to be entered into an automated system in order to make payment to a merchant for the purchase of goods/services) through their Credit Cards – the OTP (One Time Password) generation.
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What is an OTP?
An OTP is a six-digit code, valid for a limited period from the time of placing a request for it. You will need to obtain an OTP before every IVR payment transaction.
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How to obtain an OTP?
You can obtain the OTP by visiting http://www.jkbank.net/jksip.php and logging in to J&K Bank Secure Internet Payment. A link Pre OTP is available for generating the OTP which would be emailed to your registered email. Alternatively, the OTP can be displayed on the screen by clicking on the small check box provided for the purpose.
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How to use the OTP?
The OTP is required at the time of making payment on the IVR, where you will be prompted to enter it along with the other details like your credit-card number, card expiry date and CVV number.
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Merchant Acquiring |
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Features |
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- All types of Visa & MasterCard based cards Accepted
- Quick Merchant Payment
- Merchant Helpdesk and Onsite Support.
- Competitive Commission Rates
- No hidden Charges
Click here for More Information
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