Quick Fact Sheet: Jammu and Kashmir Bank (J&K Bank)
Bank Name: Jammu and Kashmir Bank
IFSC Prefix: JAKA (e.g., JAKA0000001)
Total Branches: 1,189+ across India
Headquarters: Srinagar, Jammu & Kashmir
Toll-Free Helpline: 1800 890 2122
Official App: JKB mPay Delight+

Searching for the official Jammu and Kashmir Bank IFSC code to transfer money via NEFT, RTGS, or IMPS? Whether you are sending money to a business partner, paying family bills, or registering a beneficiary on net banking, entering the correct branch IFSC code is mandatory. With more than 1,189 active branches across India, identifying the exact branch code is fast and effortless with our database.

What is Jammu and Kashmir Bank IFSC Code and How is it Formatted?

The Indian Financial System Code (IFSC) for Jammu and Kashmir Bank is an 11-character alphanumeric string assigned by the Reserve Bank of India (RBI). It uniquely identifies each branch within the national payment settlement network.

Character Positions Code Component Example for Jammu and Kashmir Bank Meaning & Purpose
Characters 1 - 4 Bank Identifier JAKA Represents Jammu and Kashmir Bank across all payment gateways
5th Character Reserved Character 0 Always the digit Zero (0), reserved by RBI for future expansion
Characters 6 - 11 Branch Identifier 000001 Unique 6-digit alphanumeric code for the specific branch location

4 Easy Ways to Find Jammu and Kashmir Bank IFSC Code

1. Use IFSC Code Dekho Instant Dropdown Locator

The fastest way is our dedicated tool. You can browse all branches in our Jammu and Kashmir Bank Directory or use our IFSC Search Homepage, select "Jammu and Kashmir Bank" from the bank list, select your State, District, and Branch. You will instantly receive the complete IFSC code, 9-digit MICR code, branch address, contact telephone, and branch timings.

2. Look at Your Jammu and Kashmir Bank Cheque Book Leaf

Pull out a cheque leaf from your chequebook. The 11-digit IFSC code is clearly printed on the top-left or top-right corner along with the branch name and full postal address. The 9-digit MICR code is printed at the bottom white band between the cheque number and account identifier.

3. Check the First Page of Your Bank Passbook

The first inner page of your Jammu and Kashmir Bank passbook carries all essential account details: Account Holder Name, Account Number, CIF/Customer ID, Branch Address, and the 11-character IFSC code (JAKAxxxxxx).

4. Check on JKB mPay Delight+ or Internet Banking

Log into the official JKB mPay Delight+ mobile application or visit Jammu and Kashmir Bank Internet Banking. Navigate to "Account Details" or "Profile Summary" to view your home branch's IFSC code and branch code.

NEFT, RTGS & IMPS Fund Transfers via Jammu and Kashmir Bank

When transferring funds electronically to or from Jammu and Kashmir Bank, you can choose between three primary RBI-regulated payment channels:

Payment System Settlement Speed Minimum Amount Maximum Amount Online Charges (RBI)
NEFT (National Electronic Funds Transfer) Batches every 30 mins (24x7) ???1 No Limit ???0 (Free Online)
RTGS (Real Time Gross Settlement) Instant / Real-Time (24x7) ???2,00,000 No Limit ???0 (Free Online)
IMPS (Immediate Payment Service) Instant (Seconds, 24x7) ???1 ???5,00,000 Nominal fee per bank slab

Difference Between IFSC, MICR, and SWIFT Code for Jammu and Kashmir Bank

  • IFSC Code (JAKA...): Used exclusively within India for electronic fund transfers (NEFT, RTGS, IMPS) between Indian bank accounts.
  • MICR Code (9 Digits): Used by automated cheque processing machines in clearing houses to process physical cheques quickly.
  • SWIFT / BIC Code: An 8 or 11 character international code used for transferring funds globally between overseas bank accounts and Jammu and Kashmir Bank.

What Happens If You Enter an Incorrect Jammu and Kashmir Bank IFSC Code?

Important Banking Safety Rule:

If the IFSC code entered does not match any valid branch in the RBI directory, the transaction fails automatically, and your money is returned immediately.

However, if the IFSC code belongs to a valid branch but the account number belongs to another person, the transfer may proceed under Core Banking Solutions (CBS). Always verify both the Account Number and the Beneficiary Name before pressing submit!

Jammu and Kashmir Bank Customer Care & Support Details

For any balance inquiries, lost ATM card blocking, or remittance tracking, you can reach Jammu and Kashmir Bank directly:

Frequently Asked Questions (FAQs) - Jammu and Kashmir Bank IFSC Code

What is the IFSC code format of Jammu and Kashmir Bank?

The IFSC code for Jammu and Kashmir Bank is always 11 characters long. It begins with JAKA, followed by the number 0 as the 5th character, and ends with a 6-digit branch identifier (e.g., JAKA0000001).

How can I find the IFSC code of my Jammu and Kashmir Bank branch?

You can search your branch IFSC code on IFSC Code Dekho by selecting Jammu and Kashmir Bank, your State, District, and Branch. You can also locate it on the first page of your Jammu and Kashmir Bank passbook or printed on your cheque leaf.

Is an IFSC code required for UPI transfers in Jammu and Kashmir Bank?

No, regular UPI transactions through VPA / UPI ID or mobile phone numbers do not require an IFSC code. However, if you perform an "Account + IFSC" transfer in Google Pay, PhonePe, or Paytm, entering the correct JAKA code is mandatory.

What is the customer care toll-free number for Jammu and Kashmir Bank?

The official 24x7 toll-free helpline number for Jammu and Kashmir Bank account holders is 1800 890 2122. You can call anytime for account assistance, balance enquiry, or transaction inquiries.

Are online NEFT and RTGS transfers free in Jammu and Kashmir Bank?

Yes, as mandated by the Reserve Bank of India, Jammu and Kashmir Bank does not charge any fee (???0) for NEFT and RTGS transactions executed online via JKB mPay Delight+ mobile app or internet banking.

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