E-Challan System to Launch in Kashmir: AJK Police and JS-Zindigi Bank Sign Agreement

Muzzaffarabad, Pakistan administrated Jammu & Kashmir– A major step towards digitizing traffic enforcement is underway in Pakistan-administered Jammu and Kashmir, as the regional police department has signed an agreement with JS-Zindigi Bank to implement an electronic challan (e-challan) system.

The Memorandum of Understanding (MoU) was officially signed at the Central Police Office in Muzaffarabad in the presence of senior officials from the Jammu and Kashmir Police and executives from JS-Zindigi Bank and Beagle Aid, a digital solutions partner.

The upcoming system aims to phase out the traditional manual challan process by introducing a streamlined, transparent, and digitized method of issuing and paying traffic fines. Under the agreement, fines will soon be payable through digital platforms such as Zindigi mobile wallets, bank accounts, and credit or debit cards via SBP’s Raast QR system.

JS-Zindigi Bank will supply the necessary equipment and gadgets to traffic wardens and will also provide technical training to ensure the effective rollout of the system. The new initiative is expected to not only enhance convenience for the public but also improve transparency and accountability in traffic law enforcement across the region.

Officials expressed confidence that the system would modernize traffic management in AJK and provide a model for other regions seeking to embrace digital governance tools.

With preparations actively underway, the digital transformation of traffic enforcement in Jammu and Kashmir marks a significant stride toward e-governance and public service innovation.