IFSC Code of Jammu and Kashmir Bank Limited, Dorsuma Manigam Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's DORSUMA MANIGAM branch in GANDERBAL, JAMMU AND KASHMIR. The branch's IFSC code JAKA0DORSUM 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 DORSUMA MANIGAM branch, the IFSC JAKA0DORSUM breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and DORSUM 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 Dorsuma Manigam branch in Ganderbal, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0DORSUM for all electronic settlement.

Branch details at a glance

Dorsuma Manigam branch overview

Located at DORSUMA MANIGAM,DISTRICT GANDERBAL,TEHSIL LAR,PIN 191201, the Dorsuma Manigam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0DORSUM 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 DORSUMA MANIGAM branch came to be assigned the code JAKA0DORSUM.

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 JAKA0DORSUM, money simply cannot be routed to the DORSUMA MANIGAM branch electronically.

Account types you can open at the Dorsuma Manigam branch

Once you have an account at Jammu and Kashmir Bank Limited – DORSUMA MANIGAM, the IFSC JAKA0DORSUM 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 Dorsuma Manigam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 194-9906664830.

• 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 JAKA0DORSUM

How to transfer money using IFSC JAKA0DORSUM

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 JAKA0DORSUM across all three.

NEFT to Jammu and Kashmir Bank Limited, DORSUMA MANIGAM using IFSC JAKA0DORSUM

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 JAKA0DORSUM, and confirm that the system picks up Jammu and Kashmir Bank Limited – DORSUMA MANIGAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DORSUMA MANIGAM

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's DORSUMA MANIGAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0DORSUM while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited DORSUMA MANIGAM (IFSC JAKA0DORSUM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0DORSUM in your mobile or internet banking app, and the money is credited to the DORSUMA MANIGAM branch account within seconds.

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

All three modes accept the IFSC JAKA0DORSUM for Jammu and Kashmir Bank Limited – DORSUMA MANIGAM, 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 Dorsuma Manigam 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 JAKA0DORSUM

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 – DORSUMA MANIGAM is still mapped to IFSC JAKA0DORSUM. 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 JAKA0DORSUM and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0DORSUM

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the DORSUMA MANIGAM 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 JAKA0DORSUM 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.

MICR & cheque-truncation details

Cheques drawn on the Dorsuma Manigam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0DORSUM for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – DORSUMA MANIGAM:

• The IFSC is exactly JAKA0DORSUM 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 DORSUMA MANIGAM 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.

How to reach the Dorsuma Manigam branch

The branch is located at DORSUMA MANIGAM,DISTRICT GANDERBAL,TEHSIL LAR,PIN 191201, which puts it inside Ganderbal, the broader Ganderbal 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 Dorsuma Manigam branch” — the verified location pin for IFSC JAKA0DORSUM should appear at the top of the results.
2. Confirm the branch is open by calling 194-9906664830 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 JAKA0DORSUM and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0DORSUM for Jammu and Kashmir Bank Limited – DORSUMA MANIGAM, 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 Dorsuma Manigam 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 JAKA0DORSUM continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0DORSUM belongs to Jammu and Kashmir Bank Limited's DORSUMA MANIGAM branch, located at DORSUMA MANIGAM,DISTRICT GANDERBAL,TEHSIL LAR,PIN 191201 in GANDERBAL, 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.