IFSC Code of Jammu and Kashmir Bank Limited, Whitefield Bengaluru Branch, Karnataka

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's WHITEFIELD BENGALURU branch in BENGALURU, KARNATAKA. The branch's IFSC code JAKA0WHITEF 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, JAKA0WHITEF is the IFSC of Jammu and Kashmir Bank Limited's WHITEFIELD BENGALURU branch. The format is fixed: JAKA = bank code, 0 = reserved, WHITEF = branch identifier.

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 Whitefield Bengaluru branch in Bengaluru, Karnataka is part of this network and uses the IFSC code JAKA0WHITEF for all electronic settlement.

About the Whitefield Bengaluru branch

The Whitefield Bengaluru branch of Jammu and Kashmir Bank Limited is situated at B-36,DYAVASANDRA INDUSTRIAL ESTATE MAHADEVAPURA,BENGALURU,POST OFFICE MAHADEVAPURA,TEHSIL BENGALURU SOUTH,DISTRICT BANGALORE PIN 560048 LANDMARK NEAR BESCOM OFFICE WHITEFIELD. 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 JAKA0WHITEF 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 WHITEFIELD BENGALURU branch came to be assigned the code JAKA0WHITEF.

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 JAKA0WHITEF, money simply cannot be routed to the WHITEFIELD BENGALURU branch electronically.

How to transfer money using IFSC JAKA0WHITEF

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 JAKA0WHITEF across all three.

How to use IFSC JAKA0WHITEF 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 WHITEFIELD BENGALURU 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 JAKA0WHITEF.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as WHITEFIELD BENGALURU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC JAKA0WHITEF

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jammu and Kashmir Bank Limited – WHITEFIELD BENGALURU, ensure your bank's portal accepts IFSC JAKA0WHITEF while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited WHITEFIELD BENGALURU (IFSC JAKA0WHITEF)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0WHITEF in your mobile or internet banking app, and the money is credited to the WHITEFIELD BENGALURU branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Whitefield Bengaluru

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 JAKA0WHITEF:

• 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 WHITEFIELD BENGALURU is still linked to IFSC JAKA0WHITEF.

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 WHITEFIELD BENGALURU branch, the IFSC JAKA0WHITEF 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 Whitefield Bengaluru branch

Once you have an account at Jammu and Kashmir Bank Limited – WHITEFIELD BENGALURU, the IFSC JAKA0WHITEF 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 Whitefield Bengaluru 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 JAKA0WHITEF

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 JAKA0WHITEF and the account number together uniquely identify the Whitefield Bengaluru branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0WHITEF

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the WHITEFIELD BENGALURU 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 JAKA0WHITEF 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 JAKA0WHITEF

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 – WHITEFIELD BENGALURU, 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: JAKA0WHITEF.
• 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 Whitefield Bengaluru branch

The branch is located at B-36,DYAVASANDRA INDUSTRIAL ESTATE MAHADEVAPURA,BENGALURU,POST OFFICE MAHADEVAPURA,TEHSIL BENGALURU SOUTH,DISTRICT BANGALORE PIN 560048 LANDMARK NEAR BESCOM OFFICE WHITEFIELD, which puts it inside Bengaluru, the broader Bengaluru South district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Whitefield Bengaluru branch” — the verified location pin for IFSC JAKA0WHITEF should appear at the top of the results.
2. Confirm the branch is open by calling 91-8750385511 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 JAKA0WHITEF and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0WHITEF for Jammu and Kashmir Bank Limited – WHITEFIELD BENGALURU, 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 Whitefield Bengaluru 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 JAKA0WHITEF continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0WHITEF is the IFSC code of Jammu and Kashmir Bank Limited, WHITEFIELD BENGALURU branch, in BENGALURU, KARNATAKA. 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.