IFSC Code of Jammu and Kashmir Bank Limited, Main Market Sumbal Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, MAIN MARKET SUMBAL branch, located in BANDIPORA, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0MMSUMB. 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 JAKA0MMSUMB for Jammu and Kashmir Bank Limited – MAIN MARKET SUMBAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Jammu and Kashmir Bank Limited – MAIN MARKET SUMBAL is JAKA0MMSUMB. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MMSUMB map to this branch in BANDIPORA, JAMMU AND KASHMIR.

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 Main Market Sumbal branch in Bandipora, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0MMSUMB for all electronic settlement.

About the Main Market Sumbal branch

The Main Market Sumbal branch of Jammu and Kashmir Bank Limited is situated at MAIN MARKET SUMBAL,DISTRICT BANDIPORA,J AND K PIN 193501. 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 JAKA0MMSUMB 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 MAIN MARKET SUMBAL branch came to be assigned the code JAKA0MMSUMB.

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 JAKA0MMSUMB, money simply cannot be routed to the MAIN MARKET SUMBAL branch electronically.

How to transfer money using IFSC JAKA0MMSUMB

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 JAKA0MMSUMB across all three.

How to use IFSC JAKA0MMSUMB 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 MAIN MARKET SUMBAL 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 JAKA0MMSUMB.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as MAIN MARKET SUMBAL.
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 MAIN MARKET SUMBAL

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's MAIN MARKET SUMBAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0MMSUMB while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited MAIN MARKET SUMBAL (IFSC JAKA0MMSUMB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0MMSUMB in your mobile or internet banking app, and the money is credited to the MAIN MARKET SUMBAL branch account within seconds.

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

All three modes accept the IFSC JAKA0MMSUMB for Jammu and Kashmir Bank Limited – MAIN MARKET SUMBAL, 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 Main Market Sumbal 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.

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 MAIN MARKET SUMBAL branch, the IFSC JAKA0MMSUMB 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 Main Market Sumbal branch

Once you have an account at Jammu and Kashmir Bank Limited – MAIN MARKET SUMBAL, the IFSC JAKA0MMSUMB 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 Main Market Sumbal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 195-4230728.

• 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 JAKA0MMSUMB

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 JAKA0MMSUMB and the account number together uniquely identify the Main Market Sumbal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0MMSUMB

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MAIN MARKET SUMBAL 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 JAKA0MMSUMB 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.

Common mistakes to avoid when using IFSC JAKA0MMSUMB

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 – MAIN MARKET SUMBAL, 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: JAKA0MMSUMB.
• 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.

How to reach the Main Market Sumbal branch

The branch is located at MAIN MARKET SUMBAL,DISTRICT BANDIPORA,J AND K PIN 193501, which puts it inside Bandipora, the broader Bandipora 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 Main Market Sumbal branch” — the verified location pin for IFSC JAKA0MMSUMB should appear at the top of the results.
2. Confirm the branch is open by calling 195-4230728 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 JAKA0MMSUMB and your account number.

Verifying IFSC JAKA0MMSUMB 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 JAKA0MMSUMB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 195-4230728.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Main Market Sumbal 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 JAKA0MMSUMB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0MMSUMB belongs to Jammu and Kashmir Bank Limited's MAIN MARKET SUMBAL branch, located at MAIN MARKET SUMBAL,DISTRICT BANDIPORA,J AND K PIN 193501 in BANDIPORA, 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.