IFSC Code of Jammu and Kashmir Bank Limited, Hridwar Branch, Uttarakhand

Below are the complete branch details for Jammu and Kashmir Bank Limited, HRIDWAR branch, located in HARIDWAR, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0HARDWR. 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 JAKA0HARDWR for Jammu and Kashmir Bank Limited – HRIDWAR — 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, JAKA0HARDWR is the IFSC of Jammu and Kashmir Bank Limited's HRIDWAR branch. The format is fixed: JAKA = bank code, 0 = reserved, HARDWR = branch identifier.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Hridwar branch in Haridwar. 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, JAKA0HARDWR.

About this branch

The branch is located at ACHARAYA CHANDRA CHOWK, RANIPUR MORH, OPPOSITE CITY HOSPITAL, HARIDWAR, UTTARAKHAND, PIN-249401. It serves the Haridwar 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 JAKA0HARDWR is used to identify this branch on the RBI payments network.

Branch details at a glance

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 HRIDWAR of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0HARDWR 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 JAKA0HARDWR the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Hridwar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0HARDWR for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC JAKA0HARDWR

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 JAKA0HARDWR across all three.

NEFT to Jammu and Kashmir Bank Limited, HRIDWAR using IFSC JAKA0HARDWR

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 JAKA0HARDWR, and confirm that the system picks up Jammu and Kashmir Bank Limited – HRIDWAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HRIDWAR

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's HRIDWAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0HARDWR while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited HRIDWAR (IFSC JAKA0HARDWR)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0HARDWR in your mobile or internet banking app, and the money is credited to the HRIDWAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Hridwar

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 JAKA0HARDWR:

• 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 HRIDWAR is still linked to IFSC JAKA0HARDWR.

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 JAKA0HARDWR

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 – HRIDWAR is still mapped to IFSC JAKA0HARDWR. 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 JAKA0HARDWR and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Hridwar branch is mapped to IFSC JAKA0HARDWR 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 JAKA0HARDWR.

Banking services available

The Hridwar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 133-4223388.

• 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 JAKA0HARDWR

Digital banking channels

Most day-to-day work that customers used to do at the Hridwar 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 JAKA0HARDWR 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.

How to reach the Hridwar branch

The branch is located at ACHARAYA CHANDRA CHOWK, RANIPUR MORH, OPPOSITE CITY HOSPITAL, HARIDWAR, UTTARAKHAND, PIN-249401, which puts it inside Haridwar, the broader Haridwar district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Hridwar branch” — the verified location pin for IFSC JAKA0HARDWR should appear at the top of the results.
2. Confirm the branch is open by calling 133-4223388 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 JAKA0HARDWR 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 – HRIDWAR:

• The IFSC is exactly JAKA0HARDWR 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 HRIDWAR 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 Hridwar 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 JAKA0HARDWR continue to work without interruption.

Verifying IFSC JAKA0HARDWR from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm JAKA0HARDWR by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 133-4223388.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0HARDWR is the IFSC code of Jammu and Kashmir Bank Limited, HRIDWAR branch, in HARIDWAR, UTTARAKHAND. 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.