IFSC Code of Jammu and Kashmir Bank Limited, Karol Bagh Delhi Branch, Delhi

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's KAROL BAGH DELHI branch in DELHI, DELHI. The branch's IFSC code JAKA0KAROLE 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Jammu and Kashmir Bank Limited's KAROL BAGH DELHI branch, the IFSC JAKA0KAROLE breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and KAROLE identifies this particular branch.

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 Karol Bagh Delhi branch in Delhi, Delhi is part of this network and uses the IFSC code JAKA0KAROLE for all electronic settlement.

Branch details at a glance

Karol Bagh Delhi branch overview

Located at GURDUWARA ROAD, 6/32-33,NEAR JESSA RAM HOSPITAL, KAROL BAGH, the Karol Bagh Delhi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0KAROLE is required for all interbank electronic transfers routed through this branch.

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 KAROL BAGH DELHI branch came to be assigned the code JAKA0KAROLE.

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 JAKA0KAROLE, money simply cannot be routed to the KAROL BAGH DELHI branch electronically.

Account types you can open at the Karol Bagh Delhi branch

Once you have an account at Jammu and Kashmir Bank Limited – KAROL BAGH DELHI, the IFSC JAKA0KAROLE 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 Karol Bagh Delhi 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 JAKA0KAROLE

How to transfer money using IFSC JAKA0KAROLE

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 JAKA0KAROLE across all three.

NEFT to Jammu and Kashmir Bank Limited, KAROL BAGH DELHI using IFSC JAKA0KAROLE

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 JAKA0KAROLE, and confirm that the system picks up Jammu and Kashmir Bank Limited – KAROL BAGH DELHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JAKA0KAROLE

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 – KAROL BAGH DELHI, ensure your bank's portal accepts IFSC JAKA0KAROLE while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited KAROL BAGH DELHI (IFSC JAKA0KAROLE)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0KAROLE in your mobile or internet banking app, and the money is credited to the KAROL BAGH DELHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karol Bagh Delhi

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 JAKA0KAROLE:

• 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 KAROL BAGH DELHI is still linked to IFSC JAKA0KAROLE.

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 JAKA0KAROLE

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 – KAROL BAGH DELHI is still mapped to IFSC JAKA0KAROLE. 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 JAKA0KAROLE and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Karol Bagh Delhi 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 JAKA0KAROLE 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 & cheque-truncation details

Cheques drawn on the Karol Bagh Delhi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0KAROLE for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC JAKA0KAROLE

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 – KAROL BAGH DELHI, 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: JAKA0KAROLE.
• 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 Karol Bagh Delhi branch

The branch is located at GURDUWARA ROAD, 6/32-33,NEAR JESSA RAM HOSPITAL, KAROL BAGH, which puts it inside Delhi, the broader Delhi district, and the state of Delhi. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Karol Bagh Delhi branch” — the verified location pin for IFSC JAKA0KAROLE should appear at the top of the results.
2. Confirm the branch is open by calling 11-28756066 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 JAKA0KAROLE and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0KAROLE for Jammu and Kashmir Bank Limited – KAROL BAGH DELHI, 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 Karol Bagh Delhi 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 JAKA0KAROLE continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0KAROLE is the IFSC code of Jammu and Kashmir Bank Limited, KAROL BAGH DELHI branch, in DELHI, DELHI. 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.