BHIM JK Bank UPI 1.1.12

The BHIM Jammu and Kashmir Bank Unified Payments Interface (UPI) application allows you to simplify your payment process by eliminating the need to remember account numbers and IFSC codes. With this app, you can efficiently manage all your accounts from different banks in one place. It has never been easier to make and receive payments. All you need is the virtual payment address of the recipient, which functions like an email address that uniquely identifies a person's bank account, such as yourname@jkb or yourname11@jkb. The BHIM JK Bank UPI App enables you to create your virtual payment address and use it for 24/7 payment transfers. You can also generate a QR code to receive payments directly into your account. The Collect Money feature simplifies receiving money from friends and customers, allowing you to easily request payments from customers or split bills with friends. Additionally, you can make payments to Aadhaar numbers linked with bank accounts.

You can take advantage of the features of BHIM JK Bank UPI by simply owning a smartphone. Don't have a smartphone or internet connection? No problem! You can still access our UPI services by dialing the USSD number *99# on your phone.

Download the BHIM JK Bank UPI App today for free and embrace the future of digital banking!

Key Features of BHIM JK Bank UPI:

• Accessible for J&K Bank customers and customers of any UPI enabled bank.
• Allows both intra-bank and inter-bank payments.
• Enables seamless management of multiple eligible bank accounts from different banks in one place.
• Supports various payment modes including VPA, Account+IFSC, and Aadhaar (linked to a bank account).
• Allows you to add and save beneficiaries in the Address Book for future payments.
• Enables instant and secure fund transfers.
• Facilitates the generation and scanning of QR codes for easy payments.
• Offers the ability to check the account balance of linked accounts.
• Provides additional security through Virtual Payment Address (VPA), which shields account credentials and mobile numbers from senders and receivers.

Which accounts can be linked in BHIM JK Bank UPI?

You can link any account that meets the following criteria:

• The account must have a valid Debit Card.
• The account must comply with KYC and other regulatory norms.
• The account must have the same mobile number linked to the app registration.
• Currently, only Savings and Current accounts can be linked in UPI.

For more information, please call our toll-free helpline number: 1800 1800 234.

Privacy Policy Permissions and Their Purpose:

• android.permission.ACCESS_FINE_LOCATION – grants access to device location.
• android.permission.ACCESS_COARSE_LOCATION – grants access to device location.
• android.permission.ACCESS_WIFI_STATE – grants access to internet connection via WIFI.
• android.permission.ACCESS_NETWORK_STATE - grants access to internet connection via Direct Internet.
• android.permission.INTERNET – grants access to internet.
• android.permission.READ_EXTERNAL_STORAGE – grants permission to set profile photo.
• android.permission.SEND_SMS – grants permission to send SMS for user verification.
• android.permission.RECEIVE_SMS – grants access to received SMS for auto-population of OTP and Google push notification.
• android.permission.READ_SMS – grants permission for auto-population of OTP.
• android.permission.WRITE_INTERNAL_STORAGE – grants permission to store data in app memory.
• android.permission.CAMERA - grants permission to scan QR codes.
• android.permission.READ_PHONE_STATE - grants access to user's SIM serial number for security purposes.
• android.permission.GET_ACCOUNTS - grants access to GCM (Google Cloud Messaging).