IFSC Code of Jammu and Kashmir Bank Limited, Allah Bishnah Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's ALLAH BISHNAH branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code JAKA0AALLAH 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.

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 – ALLAH BISHNAH is JAKA0AALLAH. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters AALLAH map to this branch in JAMMU, JAMMU AND KASHMIR.

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 Allah Bishnah branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0AALLAH for all electronic settlement.

About the Allah Bishnah branch

The Allah Bishnah branch of Jammu and Kashmir Bank Limited is situated at PO-VILLAGE ALLAH, TEHSIL-BISHNAH, DISTRICT-JAMMU, PIN-181131. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JAKA0AALLAH is used.

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 ALLAH BISHNAH branch came to be assigned the code JAKA0AALLAH.

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 JAKA0AALLAH, money simply cannot be routed to the ALLAH BISHNAH branch electronically.

How to transfer money using IFSC JAKA0AALLAH

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 JAKA0AALLAH across all three.

NEFT to Jammu and Kashmir Bank Limited, ALLAH BISHNAH using IFSC JAKA0AALLAH

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 JAKA0AALLAH, and confirm that the system picks up Jammu and Kashmir Bank Limited – ALLAH BISHNAH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ALLAH BISHNAH

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's ALLAH BISHNAH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0AALLAH while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited ALLAH BISHNAH (IFSC JAKA0AALLAH)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0AALLAH in your mobile or internet banking app, and the money is credited to the ALLAH BISHNAH branch account within seconds.

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

All three modes accept the IFSC JAKA0AALLAH for Jammu and Kashmir Bank Limited – ALLAH BISHNAH, 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 Allah Bishnah 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 JAKA0AALLAH

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 – ALLAH BISHNAH is still mapped to IFSC JAKA0AALLAH. 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 JAKA0AALLAH and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Allah Bishnah branch is mapped to IFSC JAKA0AALLAH 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 JAKA0AALLAH.

Products and services

Customers walking into the Allah Bishnah 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 JAKA0AALLAH

MICR & cheque-truncation details

Cheques drawn on the Allah Bishnah branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0AALLAH for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Allah Bishnah 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 JAKA0AALLAH 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.

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 – ALLAH BISHNAH:

• The IFSC is exactly JAKA0AALLAH 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 ALLAH BISHNAH 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 Allah Bishnah branch

The branch is located at PO-VILLAGE ALLAH, TEHSIL-BISHNAH, DISTRICT-JAMMU, PIN-181131, which puts it inside Jammu, the broader Jammu 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 Allah Bishnah branch” — the verified location pin for IFSC JAKA0AALLAH should appear at the top of the results.
2. Confirm the branch is open by calling 192-272952 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 JAKA0AALLAH and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0AALLAH for Jammu and Kashmir Bank Limited – ALLAH BISHNAH, 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 Allah Bishnah 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 JAKA0AALLAH continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0AALLAH is the IFSC code of Jammu and Kashmir Bank Limited, ALLAH BISHNAH branch, in JAMMU, JAMMU AND KASHMIR. 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.