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

Below are the complete branch details for Jammu and Kashmir Bank Limited, BHAGWA branch, located in DODA, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0BHAGWA. 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 JAKA0BHAGWA for Jammu and Kashmir Bank Limited – BHAGWA — 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, JAKA0BHAGWA is the IFSC of Jammu and Kashmir Bank Limited's BHAGWA branch. The format is fixed: JAKA = bank code, 0 = reserved, BHAGWA = 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 Bhagwa branch in Doda, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0BHAGWA for all electronic settlement.

About this branch

The branch is located at BHAGWA DODA. It serves the Doda 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 JAKA0BHAGWA 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 BHAGWA of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0BHAGWA 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 JAKA0BHAGWA 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 JAKA0BHAGWA

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 JAKA0BHAGWA across all three.

NEFT to Jammu and Kashmir Bank Limited, BHAGWA using IFSC JAKA0BHAGWA

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 JAKA0BHAGWA, and confirm that the system picks up Jammu and Kashmir Bank Limited – BHAGWA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JAKA0BHAGWA

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 – BHAGWA, ensure your bank's portal accepts IFSC JAKA0BHAGWA while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited BHAGWA (IFSC JAKA0BHAGWA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0BHAGWA in your mobile or internet banking app, and the money is credited to the BHAGWA branch account within seconds.

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

All three modes accept the IFSC JAKA0BHAGWA for Jammu and Kashmir Bank Limited – BHAGWA, 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 Bhagwa 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.

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 BHAGWA branch, the IFSC JAKA0BHAGWA 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 Bhagwa branch

Once you have an account at Jammu and Kashmir Bank Limited – BHAGWA, the IFSC JAKA0BHAGWA 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 Bhagwa 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 JAKA0BHAGWA

MICR & cheque-truncation details

Cheques drawn on the Bhagwa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0BHAGWA for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC JAKA0BHAGWA

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHAGWA 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 JAKA0BHAGWA 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 JAKA0BHAGWA

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 – BHAGWA, 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: JAKA0BHAGWA.
• 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.

Reaching the branch

The Bhagwa branch sits at BHAGWA DODA. If you are travelling from outside Doda, search for the branch on a maps application using the bank name and locality, or call 199-7298004733 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 JAKA0BHAGWA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0BHAGWA for Jammu and Kashmir Bank Limited – BHAGWA, 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 banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Bhagwa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0BHAGWA, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0BHAGWA belongs to Jammu and Kashmir Bank Limited's BHAGWA branch, located at BHAGWA DODA in DODA, 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.