IFSC Code of Jammu and Kashmir Bank Limited, Khan Sahib Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, KHAN SAHIB branch, located in BUDGAM, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0KSAHIB. 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 JAKA0KSAHIB for Jammu and Kashmir Bank Limited – KHAN SAHIB — 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 – KHAN SAHIB is JAKA0KSAHIB. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KSAHIB map to this branch in BUDGAM, JAMMU AND KASHMIR.

Branch details at a glance

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Khan Sahib branch — IFSC JAKA0KSAHIB — extends the bank's services to customers in and around Budgam, Jammu and Kashmir.

About this branch

The branch is located at KHANSAHIB BUDGAM. 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 JAKA0KSAHIB 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 KHAN SAHIB of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0KSAHIB 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 JAKA0KSAHIB 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 JAKA0KSAHIB

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 JAKA0KSAHIB across all three.

How to use IFSC JAKA0KSAHIB 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 KHAN SAHIB 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 JAKA0KSAHIB.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as KHAN SAHIB.
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 JAKA0KSAHIB

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 – KHAN SAHIB, ensure your bank's portal accepts IFSC JAKA0KSAHIB while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited KHAN SAHIB (IFSC JAKA0KSAHIB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0KSAHIB in your mobile or internet banking app, and the money is credited to the KHAN SAHIB branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Khan Sahib

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 JAKA0KSAHIB:

• 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 KHAN SAHIB is still linked to IFSC JAKA0KSAHIB.

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.

UPI payments and IFSC JAKA0KSAHIB

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 – KHAN SAHIB is still mapped to IFSC JAKA0KSAHIB. 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 JAKA0KSAHIB and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khan Sahib branch is mapped to IFSC JAKA0KSAHIB 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 JAKA0KSAHIB.

Products and services

Customers walking into the Khan Sahib 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 JAKA0KSAHIB

MICR & cheque-truncation details

Cheques drawn on the Khan Sahib branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0KSAHIB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC JAKA0KSAHIB

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHAN SAHIB 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 JAKA0KSAHIB 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 JAKA0KSAHIB

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 – KHAN SAHIB, 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: JAKA0KSAHIB.
• 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 Khan Sahib branch

The branch is located at KHANSAHIB BUDGAM, which puts it inside Budgam, the broader Budgam 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 Khan Sahib branch” — the verified location pin for IFSC JAKA0KSAHIB should appear at the top of the results.
2. Confirm the branch is open by calling 195-277226 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 JAKA0KSAHIB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0KSAHIB for Jammu and Kashmir Bank Limited – KHAN SAHIB, 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 Khan Sahib 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 JAKA0KSAHIB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0KSAHIB belongs to Jammu and Kashmir Bank Limited's KHAN SAHIB branch, located at KHANSAHIB BUDGAM 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.