IFSC Code of Jammu and Kashmir Bank Limited, Channi Himmat Jammu Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's CHANNI HIMMAT JAMMU branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code JAKA0POLICE 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 CHANNI HIMMAT JAMMU branch, the IFSC JAKA0POLICE breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and POLICE identifies this particular branch.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Channi Himmat Jammu branch — IFSC JAKA0POLICE — extends the bank's services to customers in and around Jammu, Jammu and Kashmir.

About the Channi Himmat Jammu branch

The Channi Himmat Jammu branch of Jammu and Kashmir Bank Limited is situated at SEC-5, OPP MONICA SUPER MARKET. 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 JAKA0POLICE is used.

Branch details at a glance

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 CHANNI HIMMAT JAMMU branch came to be assigned the code JAKA0POLICE.

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 JAKA0POLICE, money simply cannot be routed to the CHANNI HIMMAT JAMMU branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Jammu and Kashmir Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JAKA0POLICE and the account number together uniquely identify the Channi Himmat Jammu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC JAKA0POLICE

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 JAKA0POLICE across all three.

How to use IFSC JAKA0POLICE for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jammu and Kashmir Bank Limited's CHANNI HIMMAT JAMMU branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC JAKA0POLICE.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as CHANNI HIMMAT JAMMU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC JAKA0POLICE

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 – CHANNI HIMMAT JAMMU, ensure your bank's portal accepts IFSC JAKA0POLICE while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – CHANNI HIMMAT JAMMU, use IMPS. With IFSC JAKA0POLICE and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Channi Himmat Jammu

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 JAKA0POLICE:

• 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 CHANNI HIMMAT JAMMU is still linked to IFSC JAKA0POLICE.

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 JAKA0POLICE

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 – CHANNI HIMMAT JAMMU is still mapped to IFSC JAKA0POLICE. 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 JAKA0POLICE and the beneficiary's account number to complete the transfer.

Account types you can open at the Channi Himmat Jammu branch

Once you have an account at Jammu and Kashmir Bank Limited – CHANNI HIMMAT JAMMU, the IFSC JAKA0POLICE 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 Channi Himmat Jammu 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 JAKA0POLICE

Online banking and IFSC JAKA0POLICE

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHANNI HIMMAT JAMMU 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 JAKA0POLICE 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.

Reaching the branch

The Channi Himmat Jammu branch sits at SEC-5, OPP MONICA SUPER MARKET. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 191-2466558 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 JAKA0POLICE 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 – CHANNI HIMMAT JAMMU:

• The IFSC is exactly JAKA0POLICE 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 CHANNI HIMMAT JAMMU 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 Channi Himmat Jammu 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 JAKA0POLICE continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0POLICE for Jammu and Kashmir Bank Limited – CHANNI HIMMAT JAMMU, 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 address & contact

Frequently asked questions

Summary

The IFSC code JAKA0POLICE belongs to Jammu and Kashmir Bank Limited's CHANNI HIMMAT JAMMU branch, located at SEC-5, OPP MONICA SUPER MARKET in JAMMU, 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.