IFSC Code of Jammu and Kashmir Bank Limited, Cheeni Chowk Anantnag Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, CHEENI CHOWK ANANTNAG branch, located in ANANTNAG, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0CHEENI. 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 JAKA0CHEENI for Jammu and Kashmir Bank Limited – CHEENI CHOWK ANANTNAG — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, JAKA0CHEENI is the IFSC of Jammu and Kashmir Bank Limited's CHEENI CHOWK ANANTNAG branch. The format is fixed: JAKA = bank code, 0 = reserved, CHEENI = branch identifier.

Branch details at a glance

About the bank

Jammu and Kashmir Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Cheeni Chowk Anantnag branch in Anantnag, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0CHEENI for all electronic settlement.

About this branch

The branch is located at CHEENI CHOWK ANANTNAG. 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 JAKA0CHEENI is used to identify this branch on the RBI payments network.

Why every Jammu and Kashmir Bank Limited 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 CHEENI CHOWK ANANTNAG of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0CHEENI 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 JAKA0CHEENI the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC JAKA0CHEENI

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 JAKA0CHEENI across all three.

How to use IFSC JAKA0CHEENI for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jammu and Kashmir Bank Limited's CHEENI CHOWK ANANTNAG 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 JAKA0CHEENI.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as CHEENI CHOWK ANANTNAG.
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 JAKA0CHEENI

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 Jammu and Kashmir Bank Limited – CHEENI CHOWK ANANTNAG, ensure your bank's portal accepts IFSC JAKA0CHEENI while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited CHEENI CHOWK ANANTNAG (IFSC JAKA0CHEENI)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0CHEENI in your mobile or internet banking app, and the money is credited to the CHEENI CHOWK ANANTNAG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Cheeni Chowk Anantnag

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 JAKA0CHEENI:

• 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 CHEENI CHOWK ANANTNAG is still linked to IFSC JAKA0CHEENI.

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.

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 Jammu and Kashmir Bank Limited's CHEENI CHOWK ANANTNAG branch, the IFSC JAKA0CHEENI 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.

Account types you can open at the Cheeni Chowk Anantnag branch

Once you have an account at Jammu and Kashmir Bank Limited – CHEENI CHOWK ANANTNAG, the IFSC JAKA0CHEENI 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 Cheeni Chowk Anantnag branch can access most of Jammu and Kashmir Bank Limited'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 JAKA0CHEENI

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Jammu and Kashmir Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JAKA0CHEENI and the account number together uniquely identify the Cheeni Chowk Anantnag branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0CHEENI

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHEENI CHOWK ANANTNAG 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 JAKA0CHEENI 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 – CHEENI CHOWK ANANTNAG:

• The IFSC is exactly JAKA0CHEENI 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 CHEENI CHOWK ANANTNAG 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 Cheeni Chowk Anantnag branch

The branch is located at CHEENI CHOWK ANANTNAG, 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 Cheeni Chowk Anantnag branch” — the verified location pin for IFSC JAKA0CHEENI should appear at the top of the results.
2. Confirm the branch is open by calling 193-222552 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 JAKA0CHEENI and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0CHEENI for Jammu and Kashmir Bank Limited – CHEENI CHOWK ANANTNAG, 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.

Working hours

Branch counters at Cheeni Chowk Anantnag 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 JAKA0CHEENI continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0CHEENI belongs to Jammu and Kashmir Bank Limited's CHEENI CHOWK ANANTNAG branch, located at CHEENI CHOWK ANANTNAG in ANANTNAG, 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.