IFSC Code of Jammu and Kashmir Bank Limited, Hillar Arhama Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's HILLAR ARHAMA branch in ANANTNAG, JAMMU AND KASHMIR. The branch's IFSC code JAKA0HILLAR 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Jammu and Kashmir Bank Limited's HILLAR ARHAMA branch, the IFSC JAKA0HILLAR breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and HILLAR identifies this particular branch.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Hillar Arhama 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, JAKA0HILLAR.

Branch details at a glance

About this branch

The branch is located at HILLAR ARHAMA, OPPOSITE JAMIA MASJID, HILLAR, ANANTNAG, JK- 192201. 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 JAKA0HILLAR 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 HILLAR ARHAMA of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0HILLAR 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 JAKA0HILLAR the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Hillar Arhama branch is mapped to IFSC JAKA0HILLAR on the RBI payments network. The branch generally supports the full retail product catalogue of Jammu and Kashmir Bank Limited, 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 JAKA0HILLAR.

Products and services

Customers walking into the Hillar Arhama 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 JAKA0HILLAR

How to transfer money using IFSC JAKA0HILLAR

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 JAKA0HILLAR across all three.

How to use IFSC JAKA0HILLAR 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 HILLAR ARHAMA 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 JAKA0HILLAR.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as HILLAR ARHAMA.
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 HILLAR ARHAMA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's HILLAR ARHAMA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0HILLAR while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited HILLAR ARHAMA (IFSC JAKA0HILLAR)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0HILLAR in your mobile or internet banking app, and the money is credited to the HILLAR ARHAMA branch account within seconds.

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

All three modes accept the IFSC JAKA0HILLAR for Jammu and Kashmir Bank Limited – HILLAR ARHAMA, 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 Hillar Arhama 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 JAKA0HILLAR

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 – HILLAR ARHAMA is still mapped to IFSC JAKA0HILLAR. 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 JAKA0HILLAR and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0HILLAR

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HILLAR ARHAMA 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 JAKA0HILLAR 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.

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 JAKA0HILLAR and the account number together uniquely identify the Hillar Arhama branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – HILLAR ARHAMA:

• The IFSC is exactly JAKA0HILLAR 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 HILLAR ARHAMA 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 Hillar Arhama branch

The branch is located at HILLAR ARHAMA, OPPOSITE JAMIA MASJID, HILLAR, ANANTNAG, JK- 192201, 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 Hillar Arhama branch” — the verified location pin for IFSC JAKA0HILLAR should appear at the top of the results.
2. Confirm the branch is open by calling 193-9018879171 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 JAKA0HILLAR and your account number.

Verifying IFSC JAKA0HILLAR 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 JAKA0HILLAR by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 193-9018879171.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Hillar Arhama 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 JAKA0HILLAR continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0HILLAR belongs to Jammu and Kashmir Bank Limited's HILLAR ARHAMA branch, located at HILLAR ARHAMA, OPPOSITE JAMIA MASJID, HILLAR, ANANTNAG, JK- 192201 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.