IFSC Code of Indusind Bank, Jawahar Nagar Jammu and Kashmir Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Indusind Bank's JAWAHAR NAGAR JAMMU AND KASHMIR branch in SRINAGAR, JAMMU AND KASHMIR. The branch's IFSC code INDB0002002 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 Indusind Bank – JAWAHAR NAGAR JAMMU AND KASHMIR is INDB0002002. The first four letters INDB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002002 map to this branch in SRINAGAR, JAMMU AND KASHMIR.

Branch details at a glance

Bank profile

Indusind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Jawahar Nagar Jammu and Kashmir branch — IFSC INDB0002002 — extends the bank's services to customers in and around Srinagar, Jammu and Kashmir.

Jawahar Nagar Jammu and Kashmir branch overview

Located at GROUND FLOOR PLOT NO 64 MAIN ROAD JAWAHAR NAGAR DIST SRINAGAR UT OF J AND K 190008, the Jawahar Nagar Jammu and Kashmir branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC INDB0002002 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 Indusind Bank's JAWAHAR NAGAR JAMMU AND KASHMIR branch came to be assigned the code INDB0002002.

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 INDB0002002, money simply cannot be routed to the JAWAHAR NAGAR JAMMU AND KASHMIR branch electronically.

How to transfer money using IFSC INDB0002002

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 INDB0002002 across all three.

How to use IFSC INDB0002002 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's JAWAHAR NAGAR JAMMU AND KASHMIR 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 INDB0002002.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as JAWAHAR NAGAR JAMMU AND KASHMIR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC INDB0002002

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indusind Bank – JAWAHAR NAGAR JAMMU AND KASHMIR, ensure your bank's portal accepts IFSC INDB0002002 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Indusind Bank – JAWAHAR NAGAR JAMMU AND KASHMIR, use IMPS. With IFSC INDB0002002 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Jawahar Nagar Jammu and Kashmir

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC INDB0002002:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at JAWAHAR NAGAR JAMMU AND KASHMIR is still linked to IFSC INDB0002002.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC INDB0002002

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Indusind Bank – JAWAHAR NAGAR JAMMU AND KASHMIR is still mapped to IFSC INDB0002002. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC INDB0002002 and the beneficiary's account number to complete the transfer.

Account types you can open at the Jawahar Nagar Jammu and Kashmir branch

Once you have an account at Indusind Bank – JAWAHAR NAGAR JAMMU AND KASHMIR, the IFSC INDB0002002 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Jawahar Nagar Jammu and Kashmir branch can access most of Indusind Bank'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 INDB0002002

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Indusind Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC INDB0002002 and the account number together uniquely identify the Jawahar Nagar Jammu and Kashmir branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC INDB0002002

Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the JAWAHAR NAGAR JAMMU AND KASHMIR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC INDB0002002 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC INDB0002002

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 Indusind Bank – JAWAHAR NAGAR JAMMU AND KASHMIR, 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: INDB0002002.
• 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 Jawahar Nagar Jammu and Kashmir branch

The branch is located at GROUND FLOOR PLOT NO 64 MAIN ROAD JAWAHAR NAGAR DIST SRINAGAR UT OF J AND K 190008, which puts it inside Srinagar, the broader Srinagar district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Indusind Bank Jawahar Nagar Jammu and Kashmir branch” — the verified location pin for IFSC INDB0002002 should appear at the top of the results.
2. Confirm the branch is open by calling 8493834259 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 INDB0002002 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC INDB0002002 for Indusind Bank – JAWAHAR NAGAR JAMMU AND KASHMIR, 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 banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Jawahar Nagar Jammu and Kashmir branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0002002, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: INDB0002002 is the IFSC code of Indusind Bank, JAWAHAR NAGAR JAMMU AND KASHMIR branch, in SRINAGAR, 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.