IFSC Code of Bank of Maharashtra, Akhnoor Road Jammu Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Bank of Maharashtra's AKHNOOR ROAD JAMMU branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code MAHB0002774 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of Maharashtra – AKHNOOR ROAD JAMMU is MAHB0002774. The first four letters MAHB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002774 map to this branch in JAMMU, JAMMU AND KASHMIR.

About the bank

Bank of Maharashtra serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Akhnoor Road Jammu branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code MAHB0002774 for all electronic settlement.

Branch details at a glance

Akhnoor Road Jammu branch overview

Located at OPPOSITE PILLAR NO. 27, PATEL NAGAR, AKHNOOR ROAD, JAMMU, DIST. JAMMU, JAMMU AND KASHMIR - 180002, the Akhnoor Road Jammu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MAHB0002774 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of Maharashtra's AKHNOOR ROAD JAMMU branch came to be assigned the code MAHB0002774.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC MAHB0002774, money simply cannot be routed to the AKHNOOR ROAD JAMMU branch electronically.

Products and account variants supported

Every account opened at the Akhnoor Road Jammu branch is mapped to IFSC MAHB0002774 on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Maharashtra, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains MAHB0002774.

Products and services

Customers walking into the Akhnoor Road Jammu branch can access most of Bank of Maharashtra's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC MAHB0002774

How to transfer money using IFSC MAHB0002774

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC MAHB0002774 across all three.

NEFT to Bank of Maharashtra, AKHNOOR ROAD JAMMU using IFSC MAHB0002774

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC MAHB0002774, and confirm that the system picks up Bank of Maharashtra – AKHNOOR ROAD JAMMU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AKHNOOR ROAD JAMMU

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's AKHNOOR ROAD JAMMU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0002774 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Maharashtra – AKHNOOR ROAD JAMMU, use IMPS. With IFSC MAHB0002774 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC MAHB0002774 for Bank of Maharashtra – AKHNOOR ROAD JAMMU, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Akhnoor Road Jammu branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of Maharashtra's AKHNOOR ROAD JAMMU branch, the IFSC MAHB0002774 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Akhnoor Road Jammu branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC MAHB0002774 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Akhnoor Road Jammu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MAHB0002774 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC MAHB0002774

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of Maharashtra – AKHNOOR ROAD JAMMU, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: MAHB0002774.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Akhnoor Road Jammu branch

The branch is located at OPPOSITE PILLAR NO. 27, PATEL NAGAR, AKHNOOR ROAD, JAMMU, DIST. JAMMU, JAMMU AND KASHMIR - 180002, which puts it inside Jammu, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Maharashtra Akhnoor Road Jammu branch” — the verified location pin for IFSC MAHB0002774 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9888798024 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC MAHB0002774 and your account number.

Verifying IFSC MAHB0002774 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm MAHB0002774 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9888798024.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Akhnoor Road Jammu are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to MAHB0002774 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MAHB0002774 belongs to Bank of Maharashtra's AKHNOOR ROAD JAMMU branch, located at OPPOSITE PILLAR NO. 27, PATEL NAGAR, AKHNOOR ROAD, JAMMU, DIST. JAMMU, JAMMU… in JAMMU, JAMMU AND KASHMIR. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.