IFSC Code of Jammu and Kashmir Bank Limited, Zonal Office Kashmir South Two Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's ZONAL OFFICE KASHMIR SOUTH TWO branch in ANANTNAG, JAMMU AND KASHMIR. The branch's IFSC code JAKA0ZOKSOU 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.

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, JAKA0ZOKSOU is the IFSC of Jammu and Kashmir Bank Limited's ZONAL OFFICE KASHMIR SOUTH TWO branch. The format is fixed: JAKA = bank code, 0 = reserved, ZOKSOU = branch identifier.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Zonal Office Kashmir South Two 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, JAKA0ZOKSOU.

About the Zonal Office Kashmir South Two branch

The Zonal Office Kashmir South Two branch of Jammu and Kashmir Bank Limited is situated at INDUSTRIAL AREA BAKSHIABAD BEHIND GPO ANANTNAG 192101. 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 JAKA0ZOKSOU is used.

Branch details at a glance

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 ZONAL OFFICE KASHMIR SOUTH TWO of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0ZOKSOU 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 JAKA0ZOKSOU the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Zonal Office Kashmir South Two branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0ZOKSOU for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC JAKA0ZOKSOU

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 JAKA0ZOKSOU across all three.

NEFT to Jammu and Kashmir Bank Limited, ZONAL OFFICE KASHMIR SOUTH TWO using IFSC JAKA0ZOKSOU

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 JAKA0ZOKSOU, and confirm that the system picks up Jammu and Kashmir Bank Limited – ZONAL OFFICE KASHMIR SOUTH TWO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ZONAL OFFICE KASHMIR SOUTH TWO

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's ZONAL OFFICE KASHMIR SOUTH TWO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0ZOKSOU while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited ZONAL OFFICE KASHMIR SOUTH TWO (IFSC JAKA0ZOKSOU)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0ZOKSOU in your mobile or internet banking app, and the money is credited to the ZONAL OFFICE KASHMIR SOUTH TWO branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Zonal Office Kashmir South Two

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 JAKA0ZOKSOU:

• 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 ZONAL OFFICE KASHMIR SOUTH TWO is still linked to IFSC JAKA0ZOKSOU.

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.

UPI payments and IFSC JAKA0ZOKSOU

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 – ZONAL OFFICE KASHMIR SOUTH TWO is still mapped to IFSC JAKA0ZOKSOU. 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 JAKA0ZOKSOU and the beneficiary's account number to complete the transfer.

Account types you can open at the Zonal Office Kashmir South Two branch

Once you have an account at Jammu and Kashmir Bank Limited – ZONAL OFFICE KASHMIR SOUTH TWO, the IFSC JAKA0ZOKSOU 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 Zonal Office Kashmir South Two branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 193-227340.

• 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 JAKA0ZOKSOU

Digital banking channels

Most day-to-day work that customers used to do at the Zonal Office Kashmir South Two 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 JAKA0ZOKSOU 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.

How to reach the Zonal Office Kashmir South Two branch

The branch is located at INDUSTRIAL AREA BAKSHIABAD BEHIND GPO ANANTNAG 192101, 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 Zonal Office Kashmir South Two branch” — the verified location pin for IFSC JAKA0ZOKSOU should appear at the top of the results.
2. Confirm the branch is open by calling 193-227340 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 JAKA0ZOKSOU and your account number.

Common mistakes to avoid when using IFSC JAKA0ZOKSOU

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Jammu and Kashmir Bank Limited – ZONAL OFFICE KASHMIR SOUTH TWO, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: JAKA0ZOKSOU.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Zonal Office Kashmir South Two branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0ZOKSOU, however, work 24x7.

Verifying IFSC JAKA0ZOKSOU 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 JAKA0ZOKSOU by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 193-227340.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0ZOKSOU belongs to Jammu and Kashmir Bank Limited's ZONAL OFFICE KASHMIR SOUTH TWO branch, located at INDUSTRIAL AREA BAKSHIABAD BEHIND GPO ANANTNAG 192101 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.