IFSC Code of Jammu and Kashmir Bank Limited, Nowshehra Uri Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, NOWSHEHRA URI branch, located in BARAMULLA, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0NOWSHE. 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 JAKA0NOWSHE for Jammu and Kashmir Bank Limited – NOWSHEHRA URI — 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 – NOWSHEHRA URI is JAKA0NOWSHE. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters NOWSHE map to this branch in BARAMULLA, JAMMU AND KASHMIR.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Nowshehra Uri branch — IFSC JAKA0NOWSHE — extends the bank's services to customers in and around Baramulla, Jammu and Kashmir.

Branch details at a glance

About the Nowshehra Uri branch

The Nowshehra Uri branch of Jammu and Kashmir Bank Limited is situated at NOWSHEHRA BONIYAR URI 193122. 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 JAKA0NOWSHE 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 NOWSHEHRA URI branch came to be assigned the code JAKA0NOWSHE.

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 JAKA0NOWSHE, money simply cannot be routed to the NOWSHEHRA URI branch electronically.

Products and account variants supported

Every account opened at the Nowshehra Uri branch is mapped to IFSC JAKA0NOWSHE 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 JAKA0NOWSHE.

Products and services

Customers walking into the Nowshehra Uri 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 JAKA0NOWSHE

How to transfer money using IFSC JAKA0NOWSHE

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 JAKA0NOWSHE across all three.

NEFT to Jammu and Kashmir Bank Limited, NOWSHEHRA URI using IFSC JAKA0NOWSHE

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 JAKA0NOWSHE, and confirm that the system picks up Jammu and Kashmir Bank Limited – NOWSHEHRA URI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NOWSHEHRA URI

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's NOWSHEHRA URI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0NOWSHE while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited NOWSHEHRA URI (IFSC JAKA0NOWSHE)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0NOWSHE in your mobile or internet banking app, and the money is credited to the NOWSHEHRA URI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nowshehra Uri

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 JAKA0NOWSHE:

• 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 NOWSHEHRA URI is still linked to IFSC JAKA0NOWSHE.

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 NOWSHEHRA URI branch, the IFSC JAKA0NOWSHE 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.

Digital banking channels

Most day-to-day work that customers used to do at the Nowshehra Uri 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 JAKA0NOWSHE 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.

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 JAKA0NOWSHE and the account number together uniquely identify the Nowshehra Uri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – NOWSHEHRA URI:

• The IFSC is exactly JAKA0NOWSHE 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 NOWSHEHRA URI 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 Nowshehra Uri branch sits at NOWSHEHRA BONIYAR URI 193122. If you are travelling from outside Baramulla, search for the branch on a maps application using the bank name and locality, or call 195-7006770207 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 JAKA0NOWSHE and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0NOWSHE for Jammu and Kashmir Bank Limited – NOWSHEHRA URI, 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 Nowshehra Uri 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 JAKA0NOWSHE continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0NOWSHE is the IFSC code of Jammu and Kashmir Bank Limited, NOWSHEHRA URI 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.