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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, ZIRIPORA branch in ANANTNAG. The 11-digit IFSC JAKA0EZIRIP uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jammu and Kashmir Bank Limited at the ZIRIPORA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 ZIRIPORA branch, the IFSC JAKA0EZIRIP breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and EZIRIP 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 Ziripora branch — IFSC JAKA0EZIRIP — extends the bank's services to customers in and around Anantnag, Jammu and Kashmir.

About this branch

The branch is located at BIJBEHARA. 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 JAKA0EZIRIP 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 ZIRIPORA branch came to be assigned the code JAKA0EZIRIP.

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 JAKA0EZIRIP, money simply cannot be routed to the ZIRIPORA branch electronically.

How to transfer money using IFSC JAKA0EZIRIP

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 JAKA0EZIRIP across all three.

NEFT to Jammu and Kashmir Bank Limited, ZIRIPORA using IFSC JAKA0EZIRIP

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 JAKA0EZIRIP, and confirm that the system picks up Jammu and Kashmir Bank Limited – ZIRIPORA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ZIRIPORA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's ZIRIPORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0EZIRIP 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 – ZIRIPORA, use IMPS. With IFSC JAKA0EZIRIP 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 JAKA0EZIRIP for Jammu and Kashmir Bank Limited – ZIRIPORA, 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 Ziripora 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 JAKA0EZIRIP

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 – ZIRIPORA is still mapped to IFSC JAKA0EZIRIP. 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 JAKA0EZIRIP and the beneficiary's account number to complete the transfer.

Account types you can open at the Ziripora branch

Once you have an account at Jammu and Kashmir Bank Limited – ZIRIPORA, the IFSC JAKA0EZIRIP 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 Ziripora 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 JAKA0EZIRIP

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 JAKA0EZIRIP and the account number together uniquely identify the Ziripora branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0EZIRIP

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ZIRIPORA 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 JAKA0EZIRIP 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 – ZIRIPORA:

• The IFSC is exactly JAKA0EZIRIP 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 ZIRIPORA 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 Ziripora branch

The branch is located at BIJBEHARA, 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 Ziripora branch” — the verified location pin for IFSC JAKA0EZIRIP should appear at the top of the results.
2. Confirm the branch is open by calling 193-2234806 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 JAKA0EZIRIP and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0EZIRIP for Jammu and Kashmir Bank Limited – ZIRIPORA, 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 Ziripora branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0EZIRIP, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0EZIRIP belongs to Jammu and Kashmir Bank Limited's ZIRIPORA branch, located at BIJBEHARA 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.