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Jammu and Kashmir Bank IFSC and MICR Code:

State wise list of Jammu and Kashmir Bank IFSC code, MICR code and addresses of all branches in India

Locate any details of Jammu and Kashmir Bank branch in India.

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Jammu and Kashmir Bank (JK Bank) IFSC Code:

The invention of electronic money transfer has made our lives much easier. Transactions which would otherwise take days to process can now be done within a matter of a few ours. This has been made possible by two new methods of electronic payment introduced by the RBI. NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) are have been designed to facilitate quick and secure transfer of funds from one bank account to another, within India. All banks which are a part of the NEFT network can allow their customers to make use of these two services. However, when it comes to NEFT and RTGS, both these services employ a special code, known as the IFSC or Indian Financial System Code.

IFSC is an 11 digit alphanumeric code which is provided by the RBI to every bank participating in the NEFT network. This code is essential in many ways as not does it help identify the source and destination bank in the event of a monetary transaction but also helps the RBI regulate the movement of funds. The usage of this code helps eliminate any risks and ensures the safety of your monetary transactions. The IFSC code can be broken down into three parts wherein the first 4 characters represent the name of the bank, the fifth character always remains zero and is reserved for future use. The last 6 characters of the code represent the specific branch of the bank. So, for example, the J&K Bank IFSC code for the Air Cargo, Srinagar branch is JAKA0AIRCAR. The first 4 characters ‘’ JAKA’’ represent the name of the bank, the fifth character is 0 and the last 6 characters ‘AIRCAR’, denote the specific branch location which is in Air Cargo area in Srinagar, J&K.

How to Search For Jammu and Kashmir Bank (JK Bank) IFSC and MICR Codes?

Searching for the IFSC or MICR codes for J&K Bank can be done easily. There are several third party websites which provide IFSC codes of JK Bank branches. You may also find the IFSC code of a JK Bank branch printed on the cheque leaves of any cheque book issued by the bank. Every cheque book issued by the bank will carry the IFSC code of the issuing branch. Another easy way to find out the IFSC and MICR code for any branch of J&K Bank is go visit the BankBazaar website. At the bottom of the website’s main page, click on the link titled ‘Bank IFSC Code’. This will take you to another page which features 4 drop down menus. Here you will be required to put in information pertaining to the bank branch you’re looking for like the name of the bank, the state and district that it is located in and the specific branch that you’re looking for. Once you’ve input all that information, the page will immediately provide you with the requested information like the IFSC and MICR code of the bank, its address and also contact details.

It is extremely easy to transfer money using the NEFT or RTGS service offered by J&K Bank on behalf of the RBI. Both these methods allow for quick, hassle free and secure transfer of funds. Using NEFT or RTGS, customers can transfer money not only to other J&K Bank accounts but also to any other account held with any bank which is a part of the NEFT network. In order to make an NEFT or RTGS transaction, customers will be required to fill up an Application Form.


NEFT or National Electronic Funds Transfer is one of the modes of making speedy and convenient fund transfers which are also efficient and secure. There is no limit specified for NEFT transactions, which means that you may transfer any amount of money. This mode of making payments not only saves time but also the cost involved in the handling of cheques. Funds can be transferred not only to other J&K Bank branches but also to any other account held with a bank participating in the NEFT network. The timings for NEFT transactions are between 9AM to 6:30 PM on weekdays and between 9 AM to 12:45 PM on Saturdays. NEFT transactions will be settled on an hourly basis on weekdays and Saturdays. Following is the schedule of charges for NEFT transactions.

Amount Charge
Up to Rs 10,000 Rs 2.50/- + Service Tax
Above Rs 10,000 and up to Rs 1 lakh Rs 5/- + Service Tax
Above Rs 1 lakh and up to Rs 2 lakh Rs 15/- + Service Tax
Above Rs 2 lakh Rs 25/- + Service Tax


For higher value money transfers, J&K Bank offers its customers the facility of RTGS or Real Time Gross Settlement. Similar to NEFT, this system also allows for quick, convenient, secure and economical transfer to funds across the country. The minimum amount for an RTGS transaction must not be below Rs 2 lakh. RTGS transactions are done on a real time basis which means that the instructions for the transaction are carried out as soon as they are received and the bank processes one transfer at a time. This method of fund transfer helps save time as there is no waiting period. It is also economical as there are no cheque handling charges involved. Also, this system reduces chances of fraud which usually accompany paper based payments. The timings for RTGS transactions are as follows:

Days Customer Transactions Inter-bank Transactions
Monday - Friday 9 AM to 4:15 PM 9 AM to 5:45 PM
Saturday -9 AM to 1:45 PM 9 AM to 2:45 PM

The schedule of charges for RTGS payments is as follows:

Amount Charge
Rs 2 lakh to Rs 5 lakh Rs 25 + TBC + Service Tax
Rs 5 lakh and above Rs 50 + TBC + Service Tax

The Jammu and Kashmir Bank, also known as J&K Bank was founded in the year 1938 by the Maharaja of Jammu and Kashmir, Hari Singh. The bank commenced operations in 1939, acting as a universal bank in the state of Jammu and Kashmir and as a specialized bank in the rest of India. The bank operates via a well spread network of 821 computerized branches and over 900 ATMs located across the country. Serving a diverse customer base, the bank offers a well-appointed range of financial products and services like consumer banking, corporate banking, private banking, cash management, credit cards, mortgage loans and more.

News Related to Jammu and Kashmir Bank IFSC Code
  • Jammu and Kashmir Bank to offer Islamic banking services

    Parvez Ahmed, Chairman of Jammu and Kashmir Bank spoke recently to the media and has said that his bank is willing to offer Islamic banking to its customers. He said that the bank will first examine the proposal once his organisation gets Reserve Bank of India into the fray on this matter.

    Speaking to the media regarding the same, Mr. Ahmed said that the bank still hasn’t given considered the proposal but that such services are very much popular amongst the state’s populace.

    This was the first time Mr. Ahmed has addressed the media after being appointed as the Chief Executive and Chairman of the bank. He continued further saying that his bank is ready to offer the service as long as RBI intervenes and stamps its sign of approval.

    When asked if the bank was feeling threatened by the emergence of private sector banks in the region, the CEO confidently said that his bank has over 63% market share on the asset side, 62% of the share on the deposit side. He also provided a statistic which suggested that out of 862 J&K Bank branches in the country, 745 were in the state and its performance has been stronger than ever.

    10th October 2016

  • Mr. Parvez Ahmed Appointed Chairman and CEO of Jammu and Kashmir Bank

    Jammu and Kashmir Bank Ltd. recently announced the appointment of Mr. Parvez Ahmed as Chairman and CEO. His tenure will span 3 years, the bank said in its press statement. Mr. Parvez joined the bank in 1988 and is hailed for playing a pioneering role in strategizing and planning the bank’s IPO. Mr. Parvez takes over the reigns from Mustaq Ahmed, whose tenure ended on October 5, 2016.

    6th October 2016

  • Jammu & Kashmir Bank orders to install 11 deposit machines

    Boosting its image in the field of digital banking by putting more emphasis on public suitability, J&K Bank has directed to install a system of 11 Cash Depositing Machines (CDM) throughout the state. It is easy to deposit money in all types of accounts such as savings, credit etc. managed by the bank. These CDM have been fitted in Jammu, Srinagar, Sopore, Anantnag, Udhampur etc. The Debit Card at CDM facilitates dropping of money in the J & K account holders only. You cannot do NEFT or RTGS wireless transfer using IFSC Code from these machines though.

    4th May 2016

  • J&K Bank Opens New Haridwar Branch

    A new branch was opened by the Jammu & Kashmir Bank at Haridwar in Uttarakhand. The bank has also installed an ATM in the branch. With the inauguration of this unit, J&K has reached a total of 860 branches. The bank also installed two CDMs (Cash Depositing Machines) at NC Sopore and TP Baramulla in North Kashmir.

    While the government of J&K has a 53% holding in the bank’s shares, the bank also holds a dominant position in the state’s majority of credit and deposits.

    5th May 2016

  • Jammu & Kashmir Bank orders to install 11 deposit machines

    Boosting its image in the field of digital banking by putting more emphasis on public suitability, J&K Bank has directed to install a system of 11 Cash Depositing Machines (CDM) throughout the state. It is easy to deposit money in all types of accounts such as savings, credit etc. managed by the bank. These CDM have been fitted in Jammu, Srinagar, Sopore, Anantnag, Udhampur etc. The Debit Card at CDM facilitates dropping of money in the J & K account holders only. You cannot do NEFT or RTGS wireless transfer using IFSC Code from these machines though.

    3rd May 2016

  • J&K Bank Associates with PIPE App

    Jammu & Kashmir Bank has entered an agreement with PIPE, a secure Android application which connects its users with banks real time. Using the app, users will be able to send and receive messages, notifications and links to various devices, locations and platforms. The Valley-based information dispensation application will allow banks to circulate information related to launch of new products, holidays and marketing campaigns, using a PIPE account, to over 10,000 account.

    J&K Bank is India’s only state government owned bank, where the J&K Government is a 53% shareholder in the bank.

    12th April 2016

  • J&K Inaugurates 4 New Bank Branches

    J&K Bank today inaugurated two Business Units (BU) at Wuyan Pampore in Pulwama and Bon Bazar Qazigund in Anantnag amid large gathering of valuable customers, senior citizens and local residents.

    Wuyan office was inaugurated by Zonal Head Kashmir South (I) Mohammad Maqbool Bon Bazar was inaugurated by Zonal Head Kashmir South (II) Fayaz Ahmad Siddiqui.

    Zonal Heads of all the branches spoke about the bank’s commitment to provide the world class banking products and services to the people of state. It was encouraged to avail the bank’s products, which are tailored to meet their different financial needs.

    26th March 2016

  • JK Bank gets a New Zonal Branch at Udhampur

    Jammu & Kashmir Bank, a premier private sector banking organization, has inaugurated a Zonal office at Cama Housing Colony, Udhampur. This latest addition to J&K bank’s IFSC code count is intended to serve as the nodal service point for Jammu North (II) and help the bank expand in terms of geographical reach and services offered. The branch was officially inaugurated by Mr. Mushtaq Ahmad, Chairman & CEO, J&K Bank, who maintained that the new zonal branch will help the bank serve its loyal customers better and ensure in the streamlining of the bank’s core business. This zonal branch will directly serve the Reasi and Udhampur districts of Jammu.

    18th March 2016

  • Jammu & Kashmir Bank Has Opened A New Unit in Jammu

    Jammu & Kashmir Bank opened a new business unit in Jammu at the Village Pali Morh Tehsil. JKB is a scheduled commercial bank in the private sector. The bank also recently opened a business unit at Shankerpora in the district of Anantnag. The IFSC codes of all the JKB branches is available online.

    The bank recently had a drive encouraging financial literacy and account opening to provide universal access to banking services to ensure at least one basic account for every household that comes under the Pradhan mantra Jan Dhan Yojna (PMJDY).

    JKB works on a two-legged model where it functions in such a way to cater to the niche lending market across india to improve margins and build volumes. At the same time, it also aims at increase lending in its own state resulting in high margins even though it has low volumes.

    4th September 2015

J&K Bank Amira Kadal Srinagar Branch J&K Bank Anchar Branch J&K Bank Awantipora Branch
J&K Bank Bazar Batmaloo Branch J&K Bank Botshah Mohalla Srinagar Branch J&K Bank Bp Batmaloo Branch
J&K Bank Budgam Branch J&K Bank Bus Stand Rajouri Branch J&K Bank Bus Stand Tral Branch
J&K Bank Channapora Srinagar Branch J&K Bank Chattabal Branch J&K Bank Court Road Magam Branch
J&K Bank Delhi Prithviraj Road Branch J&K Bank Ew University Campus Jammu Branch J&K Bank Government Medical College Jammu Branch
J&K Bank Greater Kailash Jammu Branch J&K Bank Gujjar Charitable Trust Jammu Branch J&K Bank Handwara South Branch
J&K Bank Hospital Road Chadoora Branch J&K Bank J K Bose Rehari Branch J&K Bank Kachi Chawni Jammu Branch
J&K Bank Karol Bagh Delhi Branch J&K Bank Khanyar Srinagar Branch J&K Bank Ladoora Rafiabad Branch
J&K Bank Lal Chowk Kargil Branch J&K Bank Magam Budgam Branch J&K Bank Miran Sahib Branch
J&K Bank Nai Basti Jammu Branch J&K Bank Nallamar Road Srinagar Branch J&K Bank Nehru Market Jammu Branch
J&K Bank Nsm Patta Bohri Jammu Branch J&K Bank Pampore Branch J&K Bank Patel Nagar Kathua Branch
J&K Bank Polo View Srinagar Branch J&K Bank R S Pura Branch J&K Bank Ramban Branch
J&K Bank Rcc Jammu Branch J&K Bank Residency Road Srinagar Branch J&K Bank Sadiqabad Branch
J&K Bank Sainik School Manasbal Branch J&K Bank Shiv Nagar Udhampur Branch J&K Bank Shopian Main Branch
J&K Bank Smgs Hospital Jammu Branch J&K Bank Srinagar Moving Secretariat Branch J&K Bank Ssi Lal Chowk Srinagr Branch
J&K Bank Top Sherkhanian Jammu Branch J&K Bank Town Hall Jammu Branch J&K Bank Trikuta Nagar Jammu Branch
J&K Bank University Campus Hazratbal Nandpora Branch J&K Bank Zainakote Srinagar Branch  

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