J&K Bank recorded more than 12 crore transactions worth over Rs 15,000 crore during the festive week leading up to Eid-ul-Adha, reflecting a sharp rise in digital banking activity and customer transactions across Jammu and Kashmir and Ladakh.
Bank officials said the institution registered its highest-ever single-day transaction volume on May 25, when customers carried out nearly 1.69 crore transactions amounting to Rs 2,848 crore, marking a new milestone in the bank’s digital banking operations.
According to officials, more than 95 per cent of the total transactions during the period were executed through digital channels, highlighting growing customer preference for technology-enabled banking services.
The bank’s flagship mobile banking platform, mPay Delight Plus, witnessed record usage during the Eid rush and continued to function smoothly despite peak transaction loads. Officials said the platform alone handled an all-time high single-day transaction volume of 1.69 crore transactions worth Rs 2,848 crore.
A senior bank official said extensive upgrades had been carried out across technology platforms to ensure uninterrupted services during the festive period.
“We comprehensively upgraded all our technology systems, while teams worked round the clock to ensure uninterrupted services and minimal inconvenience to customers during the festive rush,” the official said.
The official added that digital adoption was increasing rapidly among younger customers, particularly Gen Z users, who increasingly prefer convenient and technology-driven banking services.
With more than 22 million account holders, the bank now processes over 95 per cent of its transactions digitally, reflecting changing customer behaviour and growing trust in online banking systems.
“Our scan-and-pay transactions worked almost flawlessly, which greatly supported business during the festive rush,” he said.
Officials said the bank had also made special arrangements to ensure adequate availability of fresh currency notes across branches, keeping in view the tradition of distributing ‘Eidi’ among children.
While a few isolated ATM-related complaints surfaced in parts of Srinagar and adjoining areas, technical teams addressed the issues promptly to maintain uninterrupted cash services, officials added.
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