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

Below are the complete branch details for Jammu and Kashmir Bank Limited, KHIRAM branch, located in ANANTNAG, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0KHIRAM. 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 JAKA0KHIRAM for Jammu and Kashmir Bank Limited – KHIRAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 KHIRAM branch, the IFSC JAKA0KHIRAM breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and KHIRAM identifies this particular branch.

Branch details at a glance

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Khiram branch — IFSC JAKA0KHIRAM — extends the bank's services to customers in and around Anantnag, Jammu and Kashmir.

About the Khiram branch

The Khiram branch of Jammu and Kashmir Bank Limited is situated at KHIRAM,NEAR DARGAH SHARIF, BLOCK-DACHNIPORA, TEHSIL-SRIGUPHWARA, DISTRICT-ANANTNAG, PIN-192401. 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 JAKA0KHIRAM is used.

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 KHIRAM branch came to be assigned the code JAKA0KHIRAM.

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 JAKA0KHIRAM, money simply cannot be routed to the KHIRAM branch electronically.

How to transfer money using IFSC JAKA0KHIRAM

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 JAKA0KHIRAM across all three.

How to use IFSC JAKA0KHIRAM 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 KHIRAM 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 JAKA0KHIRAM.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as KHIRAM.
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 JAKA0KHIRAM

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 – KHIRAM, ensure your bank's portal accepts IFSC JAKA0KHIRAM while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited KHIRAM (IFSC JAKA0KHIRAM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0KHIRAM in your mobile or internet banking app, and the money is credited to the KHIRAM branch account within seconds.

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

All three modes accept the IFSC JAKA0KHIRAM for Jammu and Kashmir Bank Limited – KHIRAM, 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 Khiram 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 JAKA0KHIRAM

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 – KHIRAM is still mapped to IFSC JAKA0KHIRAM. 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 JAKA0KHIRAM and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khiram branch is mapped to IFSC JAKA0KHIRAM 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 JAKA0KHIRAM.

Banking services available

The Khiram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 193-9906499688.

• 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 JAKA0KHIRAM

MICR & cheque-truncation details

Cheques drawn on the Khiram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0KHIRAM for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Khiram 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 JAKA0KHIRAM 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.

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 – KHIRAM:

• The IFSC is exactly JAKA0KHIRAM 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 KHIRAM 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.

Reaching the branch

The Khiram branch sits at KHIRAM,NEAR DARGAH SHARIF, BLOCK-DACHNIPORA, TEHSIL-SRIGUPHWARA, DISTRICT-ANANTNAG, PIN-192401. If you are travelling from outside Anantnag, search for the branch on a maps application using the bank name and locality, or call 193-9906499688 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC JAKA0KHIRAM and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0KHIRAM for Jammu and Kashmir Bank Limited – KHIRAM, 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 Khiram 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 JAKA0KHIRAM continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0KHIRAM is the IFSC code of Jammu and Kashmir Bank Limited, KHIRAM 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.