IFSC Code of Jammu and Kashmir Bank Limited, Kanidajan Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, KANIDAJAN branch, located in BUDGAM, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0KANIDA. 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 JAKA0KANIDA for Jammu and Kashmir Bank Limited – KANIDAJAN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, JAKA0KANIDA is the IFSC of Jammu and Kashmir Bank Limited's KANIDAJAN branch. The format is fixed: JAKA = bank code, 0 = reserved, KANIDA = branch identifier.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Kanidajan branch in Budgam. 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, JAKA0KANIDA.

About this branch

The branch is located at KANIDAJAN,DISTRICT BUDGAM,J AND K PIN 191112. It serves the Budgam 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 JAKA0KANIDA is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KANIDAJAN branch came to be assigned the code JAKA0KANIDA.

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 JAKA0KANIDA, money simply cannot be routed to the KANIDAJAN branch electronically.

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 JAKA0KANIDA and the account number together uniquely identify the Kanidajan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JAKA0KANIDA

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 JAKA0KANIDA across all three.

How to use IFSC JAKA0KANIDA 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 KANIDAJAN 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 JAKA0KANIDA.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as KANIDAJAN.
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 KANIDAJAN

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's KANIDAJAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0KANIDA while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – KANIDAJAN, use IMPS. With IFSC JAKA0KANIDA and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC JAKA0KANIDA for Jammu and Kashmir Bank Limited – KANIDAJAN, 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 Kanidajan 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.

UPI payments and IFSC JAKA0KANIDA

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 – KANIDAJAN is still mapped to IFSC JAKA0KANIDA. 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 JAKA0KANIDA and the beneficiary's account number to complete the transfer.

Account types you can open at the Kanidajan branch

Once you have an account at Jammu and Kashmir Bank Limited – KANIDAJAN, the IFSC JAKA0KANIDA 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 Kanidajan branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 195-7041096.

• 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 JAKA0KANIDA

Online banking and IFSC JAKA0KANIDA

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KANIDAJAN 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 JAKA0KANIDA 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.

Reaching the branch

The Kanidajan branch sits at KANIDAJAN,DISTRICT BUDGAM,J AND K PIN 191112. If you are travelling from outside Budgam, search for the branch on a maps application using the bank name and locality, or call 195-7041096 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 JAKA0KANIDA and your account number.

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 – KANIDAJAN:

• The IFSC is exactly JAKA0KANIDA 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 KANIDAJAN 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.

Working hours

Branch counters at Kanidajan 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 JAKA0KANIDA continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0KANIDA for Jammu and Kashmir Bank Limited – KANIDAJAN, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0KANIDA belongs to Jammu and Kashmir Bank Limited's KANIDAJAN branch, located at KANIDAJAN,DISTRICT BUDGAM,J AND K PIN 191112 in BUDGAM, 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.