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

Use this page as a one-stop reference for everything related to Bank of Maharashtra's JAMMU BRANCH branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code MAHB0001240 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 – JAMMU BRANCH is MAHB0001240. The first four letters MAHB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001240 map to this branch in JAMMU, JAMMU AND KASHMIR.

Bank profile

Bank of Maharashtra is among the recognised banks listed on the Reserve Bank of India's payments network. The Jammu Branch branch — IFSC MAHB0001240 — extends the bank's services to customers in and around Jammu, Jammu and Kashmir.

About the Jammu Branch branch

The Jammu Branch branch of Bank of Maharashtra is situated at CHANNI HIMMAT, SECTOR I, EXT. TRIKUTA NAGAR, OPPOSITE H.P. PETROL PUMP, JAMMU, DIST. - JAMMU, JAMMU & KASHMIR - 180020. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code MAHB0001240 is used.

Branch details at a glance

Why every Bank of Maharashtra branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including JAMMU BRANCH of Bank of Maharashtra — its own 11-character IFSC. The code MAHB0001240 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC MAHB0001240 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bank of Maharashtra carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MAHB0001240 and the account number together uniquely identify the Jammu Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC MAHB0001240

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 MAHB0001240 across all three.

How to use IFSC MAHB0001240 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Maharashtra's JAMMU BRANCH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MAHB0001240.
4. Confirm the bank name auto-populates as Bank of Maharashtra and the branch as JAMMU BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to JAMMU BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Maharashtra's JAMMU BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MAHB0001240 while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Maharashtra JAMMU BRANCH (IFSC MAHB0001240)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MAHB0001240 in your mobile or internet banking app, and the money is credited to the JAMMU BRANCH branch account within seconds.

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

All three modes accept the IFSC MAHB0001240 for Bank of Maharashtra – JAMMU BRANCH, 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 Jammu Branch 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 JAMMU BRANCH branch, the IFSC MAHB0001240 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.

Products and account variants supported

Every account opened at the Jammu Branch branch is mapped to IFSC MAHB0001240 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 MAHB0001240.

Products and services

Customers walking into the Jammu Branch 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 MAHB0001240

Digital banking channels

Most day-to-day work that customers used to do at the Jammu Branch 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 MAHB0001240 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.

How to reach the Jammu Branch branch

The branch is located at CHANNI HIMMAT, SECTOR I, EXT. TRIKUTA NAGAR, OPPOSITE H.P. PETROL PUMP, JAMMU, DIST. - JAMMU, JAMMU & KASHMIR - 180020, 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 Jammu Branch branch” — the verified location pin for IFSC MAHB0001240 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9115566917 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 MAHB0001240 and your account number.

Common mistakes to avoid when using IFSC MAHB0001240

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 – JAMMU BRANCH, 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: MAHB0001240.
• 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.

Working hours

Branch counters at Jammu Branch 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 MAHB0001240 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MAHB0001240 for Bank of Maharashtra – JAMMU BRANCH, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: MAHB0001240 is the IFSC code of Bank of Maharashtra, JAMMU BRANCH branch, in JAMMU, JAMMU AND KASHMIR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.