IFSC Code of Jammu and Kashmir Bank Limited, Arakhoshipora Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, ARAKHOSHIPORA branch, located in ANANTNAG, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0ARAKHO. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case JAKA0ARAKHO for Jammu and Kashmir Bank Limited – ARAKHOSHIPORA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Jammu and Kashmir Bank Limited – ARAKHOSHIPORA is JAKA0ARAKHO. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters ARAKHO map to this branch in ANANTNAG, JAMMU AND KASHMIR.

Branch details at a glance

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Arakhoshipora branch in Anantnag. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, JAKA0ARAKHO.

About this branch

The branch is located at ARAKHUSHIPORA. It serves the Anantnag region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Jammu and Kashmir Bank Limited. The IFSC JAKA0ARAKHO is used to identify this branch on the RBI payments network.

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 Jammu and Kashmir Bank Limited's ARAKHOSHIPORA branch came to be assigned the code JAKA0ARAKHO.

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 JAKA0ARAKHO, money simply cannot be routed to the ARAKHOSHIPORA branch electronically.

How to transfer money using IFSC JAKA0ARAKHO

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 JAKA0ARAKHO across all three.

NEFT to Jammu and Kashmir Bank Limited, ARAKHOSHIPORA using IFSC JAKA0ARAKHO

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 JAKA0ARAKHO, and confirm that the system picks up Jammu and Kashmir Bank Limited – ARAKHOSHIPORA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ARAKHOSHIPORA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's ARAKHOSHIPORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0ARAKHO while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – ARAKHOSHIPORA, use IMPS. With IFSC JAKA0ARAKHO 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 JAKA0ARAKHO for Jammu and Kashmir Bank Limited – ARAKHOSHIPORA, 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 Arakhoshipora 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.

UPI payments and IFSC JAKA0ARAKHO

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 Jammu and Kashmir Bank Limited – ARAKHOSHIPORA is still mapped to IFSC JAKA0ARAKHO. 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 JAKA0ARAKHO and the beneficiary's account number to complete the transfer.

Account types you can open at the Arakhoshipora branch

Once you have an account at Jammu and Kashmir Bank Limited – ARAKHOSHIPORA, the IFSC JAKA0ARAKHO 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.

Banking services available

The Arakhoshipora branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 193-1027694.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC JAKA0ARAKHO

MICR & cheque-truncation details

Cheques drawn on the Arakhoshipora branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0ARAKHO for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC JAKA0ARAKHO

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ARAKHOSHIPORA 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 JAKA0ARAKHO 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Jammu and Kashmir Bank Limited – ARAKHOSHIPORA:

• The IFSC is exactly JAKA0ARAKHO with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Jammu and Kashmir Bank Limited as the bank name and ARAKHOSHIPORA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Arakhoshipora branch

The branch is located at ARAKHUSHIPORA, which puts it inside Anantnag, the broader Anantnag district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Arakhoshipora branch” — the verified location pin for IFSC JAKA0ARAKHO should appear at the top of the results.
2. Confirm the branch is open by calling 193-1027694 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 JAKA0ARAKHO and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0ARAKHO for Jammu and Kashmir Bank Limited – ARAKHOSHIPORA, 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 Arakhoshipora branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0ARAKHO, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0ARAKHO is the IFSC code of Jammu and Kashmir Bank Limited, ARAKHOSHIPORA branch, in ANANTNAG, 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.