Hey @Faizan_Mushtaq!
Welcome to the Niyo Community! 
I hear you, and I’m really sorry for the inconvenience. Unfortunately, our banking partners, including DCB, have specific restrictions for certain regions like Jammu and Kashmir due to regulatory guidelines from RBI.
I assure you there’s no bias from our side. We truly value all our customers, regardless of location. We’re always looking for ways to expand our services and hope to be able to serve you better in the future.
If you have any other questions or need help with something else, just let us know. We’re here for you! 
