The major spoken language and native language in Jammu is Dogri. People speak Hindi too, and educated people know English, as well. In Jammu city, some schools teach French and German too. People write Urdu too. (Spoken Hindi and Urdu are actually somwhere between Hindi and Urdu. You can't easily distinguish).
A few phrases in Dogri are: (transliteration of the phrases)
Does anyone here speak English? (Ithe koi angrezi janda ai)
Hello (namaste ji)
Goodbye (changa phir)