IFSC Code of Jammu and Kashmir Bank Limited, Kb Adda Baramulla Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's KB ADDA BARAMULLA branch in BARAMULLA, JAMMU AND KASHMIR. The branch's IFSC code JAKA0KBADDA 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, JAKA0KBADDA is the IFSC of Jammu and Kashmir Bank Limited's KB ADDA BARAMULLA branch. The format is fixed: JAKA = bank code, 0 = reserved, KBADDA = branch identifier.

Branch details at a glance

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Kb Adda Baramulla branch in Baramulla. 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, JAKA0KBADDA.

About this branch

The branch is located at PARK ROAD, AHMAD SHOPPING COMPLEX. It serves the Baramulla 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 JAKA0KBADDA 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 KB ADDA BARAMULLA of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0KBADDA 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 JAKA0KBADDA the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC JAKA0KBADDA

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 JAKA0KBADDA across all three.

NEFT to Jammu and Kashmir Bank Limited, KB ADDA BARAMULLA using IFSC JAKA0KBADDA

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 JAKA0KBADDA, and confirm that the system picks up Jammu and Kashmir Bank Limited – KB ADDA BARAMULLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KB ADDA BARAMULLA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's KB ADDA BARAMULLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0KBADDA while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited KB ADDA BARAMULLA (IFSC JAKA0KBADDA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0KBADDA in your mobile or internet banking app, and the money is credited to the KB ADDA BARAMULLA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kb Adda Baramulla

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 JAKA0KBADDA:

• 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 KB ADDA BARAMULLA is still linked to IFSC JAKA0KBADDA.

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.

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 KB ADDA BARAMULLA branch, the IFSC JAKA0KBADDA 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 Kb Adda Baramulla branch

Once you have an account at Jammu and Kashmir Bank Limited – KB ADDA BARAMULLA, the IFSC JAKA0KBADDA 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 Kb Adda Baramulla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 195-9906673820.

• 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 JAKA0KBADDA

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 JAKA0KBADDA and the account number together uniquely identify the Kb Adda Baramulla branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0KBADDA

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KB ADDA BARAMULLA 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 JAKA0KBADDA 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 – KB ADDA BARAMULLA:

• The IFSC is exactly JAKA0KBADDA 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 KB ADDA BARAMULLA 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 Kb Adda Baramulla branch sits at PARK ROAD, AHMAD SHOPPING COMPLEX. If you are travelling from outside Baramulla, search for the branch on a maps application using the bank name and locality, or call 195-9906673820 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 JAKA0KBADDA and your account number.

Verifying IFSC JAKA0KBADDA 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 JAKA0KBADDA by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 195-9906673820.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kb Adda Baramulla 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 JAKA0KBADDA continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0KBADDA is the IFSC code of Jammu and Kashmir Bank Limited, KB ADDA BARAMULLA branch, in BARAMULLA, 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.