IFSC Code of Jammu and Kashmir Bank Limited, Friends Colony Paloura Branch, Jammu and Kashmir

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's FRIENDS COLONY PALOURA branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code JAKA0FCPALO 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.

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, JAKA0FCPALO is the IFSC of Jammu and Kashmir Bank Limited's FRIENDS COLONY PALOURA branch. The format is fixed: JAKA = bank code, 0 = reserved, FCPALO = branch identifier.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Friends Colony Paloura branch — IFSC JAKA0FCPALO — extends the bank's services to customers in and around Jammu, Jammu and Kashmir.

Branch details at a glance

About this branch

The branch is located at PATTA PALOURA. It serves the Jammu 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 JAKA0FCPALO 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 FRIENDS COLONY PALOURA of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0FCPALO 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 JAKA0FCPALO the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Friends Colony Paloura branch is mapped to IFSC JAKA0FCPALO 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 JAKA0FCPALO.

Products and services

Customers walking into the Friends Colony Paloura 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 JAKA0FCPALO

How to transfer money using IFSC JAKA0FCPALO

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 JAKA0FCPALO across all three.

NEFT to Jammu and Kashmir Bank Limited, FRIENDS COLONY PALOURA using IFSC JAKA0FCPALO

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 JAKA0FCPALO, and confirm that the system picks up Jammu and Kashmir Bank Limited – FRIENDS COLONY PALOURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to FRIENDS COLONY PALOURA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's FRIENDS COLONY PALOURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0FCPALO while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited FRIENDS COLONY PALOURA (IFSC JAKA0FCPALO)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0FCPALO in your mobile or internet banking app, and the money is credited to the FRIENDS COLONY PALOURA branch account within seconds.

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

All three modes accept the IFSC JAKA0FCPALO for Jammu and Kashmir Bank Limited – FRIENDS COLONY PALOURA, 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 Friends Colony Paloura 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 FRIENDS COLONY PALOURA branch, the IFSC JAKA0FCPALO 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.

Online banking and IFSC JAKA0FCPALO

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the FRIENDS COLONY PALOURA 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 JAKA0FCPALO 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 Friends Colony Paloura branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0FCPALO 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 – FRIENDS COLONY PALOURA:

• The IFSC is exactly JAKA0FCPALO 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 FRIENDS COLONY PALOURA 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 Friends Colony Paloura branch

The branch is located at PATTA PALOURA, 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 Friends Colony Paloura branch” — the verified location pin for IFSC JAKA0FCPALO should appear at the top of the results.
2. Confirm the branch is open by calling 191-2555914 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 JAKA0FCPALO and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0FCPALO for Jammu and Kashmir Bank Limited – FRIENDS COLONY PALOURA, 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 Friends Colony Paloura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0FCPALO, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: JAKA0FCPALO is the IFSC code of Jammu and Kashmir Bank Limited, FRIENDS COLONY PALOURA 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.