Jammu and Kashmir Bank Logo

Jammu and Kashmir Bank UPI PIN - Create & Reset

Jammu and Kashmir Bank UPI (Unified Payments Interface) facility provides an easy and quick way to access your Jammu and Kashmir Bank account on your mobile and perform transactions from it. But in order to perform any financial transaction you need to create Jammu and Kashmir Bank UPI PIN for your account. This is a secure PIN which helps you safely perform transactions from your Jammu and Kashmir Bank account.


Jammu and Kashmir Bank UPI PIN can be created online and you don’t have to visit the branch or ATM for generating it. To create UPI PIN all you need is a debit or ATM card which is linked to your bank account. You can download our mobile app and then quickly create your JK Bank UPI PIN and start performing transactions from your bank account.


After generating your Jammu and Kashmir Bank UPI PIN you can perform following types of transactions:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Credit card bill payment
  4. Electricity bill payment
  5. Gas bill payment
  6. Mobile recharge & mobile post-paid bill payment
  7. DTH recharge
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

Download App For


How to create your Jammu and Kashmir Bank UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your Jammu and Kashmir Bank account
  3. Select Jammu and Kashmir Bank for BHIM registration
  4. All your accounts will be registered and activated for Jammu and Kashmir Bank BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from Jammu and Kashmir Bank for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with Jammu and Kashmir Bank and you can now use it to perform financial transactions on your mobile

After this step your JK Bank UPI registration process is over. You can then immediately start performing all your banking transactions on mobile such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

Features of UPI PIN


Create Jammu and Kashmir Bank UPI PIN online

UPI PIN can be created online using our mobile app. This is the biggest advantage of UPI wherein the secure banking PIN can be generated directly on your mobile without visiting the branch or ATM.

Separate UPI PIN for each Jammu and Kashmir Bank account

If you have more than one account with JK Bank then you have to generate a separate UPI PIN for each account. This ensures that your Jammu and Kashmir Bank BHIM PIN remain fully safe and secure and no one can transact on your behalf.

Mandatory for any financial transaction

The biggest safety feature of JK Bank UPI PIN is that it is required for each transaction. Meaning, for performing any financial transaction you have to authenticate yourself with the help of Jammu and Kashmir Bank BHIM PIN. Without entering your Jammu and Kashmir Bank UPI PIN no transaction can go through. This ensures your Jammu and Kashmir Bank account remain 100% safe and only you perform transactions from it.

Easily regenerate UPI PIN if you forget your old PIN

If you ever forget your JK Bank UPI PIN then you can easily create a new UPI PIN using our app. You don’t have to register a new PIN request with Jammu and Kashmir Bank. By using our mobile app you can directly create a new UPI PIN and start performing transactions again.

Easily change UPI PIN

If you ever want to change your JK Bank BHIM PIN for any reason, you can easily do so using our mobile app. Without going to the branch or ATM you can easily change your UPI PIN. After changing your Jammu and Kashmir Bank BHIM PIN you have to use your new PIN while performing transactions.

Benefits of UPI PIN

One can enjoy multiple benefits from Jammu and Kashmir Bank UPI PIN service:

Time saving: As Jammu and Kashmir Bank UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own Jammu and Kashmir Bank BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your Jammu and Kashmir Bank UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect Jammu and Kashmir Bank BHIM PIN then your transactions will fail.

Multi Purpose: JK Bank UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your Jammu and Kashmir Bank account.

Security of UPI PIN

100% security for Jammu and Kashmir Bank UPI PIN service is ensured in the following ways:

  1. UPI registration for your Jammu and Kashmir Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. Before using JK Bank BHIM services, you must create a new secure UPI PIN using your debit card
  3. While performing transactions on your mobile you have to use your Jammu and Kashmir Bank UPI PIN. No transaction will go through without this secure UPI PIN
  4. App password can be created so that no one can even open the app without knowing your app password
  5. PIN or pattern lock can be created for your phone so that no one can open your mobile

UPI PIN Creation Services Timing

  • As banking is extremely crucial in day to day life, Jammu and Kashmir Bank UPI services can be used on all days, including Saturday and Sunday
  • Main benefit of Jammu and Kashmir Bank BHIM is that you can use it at night as well
  • For your convenience, Jammu and Kashmir Bank UPI facility is available even on bank holidays and public holidays
  • Jammu and Kashmir Bank BHIM services are available throughout the year

UPI PIN Generation Service Eligibility

To use Jammu and Kashmir Bank UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with Jammu and Kashmir Bank
  • Your mobile number should be registered with Jammu and Kashmir Bank
  • You should have a atm/debit card associated with your JK Bank account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

Please keep in mind the following limitations of Jammu and Kashmir Bank UPI PIN creation service:

  • It will not work if your mobile number is not registered in Jammu and Kashmir Bank
  • You cannot use it if you don’t have a Jammu and Kashmir Bank atm/debit card
  • Without Android or iPhone mobile phone, it will not work
  • Without internet connection, it will not work
  • One can only transfer upto Rs. 1,00,000 per day per JK Bank account under UPI facility

Download App For