IFSC Code of Jammu and Kashmir Bank Limited, Ghou Manhassan Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, GHOU MANHASSAN branch in JAMMU. The 11-digit IFSC JAKA0GHOUMA uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jammu and Kashmir Bank Limited at the GHOU MANHASSAN location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – GHOU MANHASSAN is JAKA0GHOUMA. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GHOUMA map to this branch in JAMMU, JAMMU AND KASHMIR.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Ghou Manhassan branch in Jammu. 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, JAKA0GHOUMA.

Branch details at a glance

About the Ghou Manhassan branch

The Ghou Manhassan branch of Jammu and Kashmir Bank Limited is situated at GHOU MANHASSAN, NEAR FISHRIES DEPARTMENT, VPO-GHOU MANHASSAN, DISTRICT-JAMMU, JK, PIN-181206. 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 JAKA0GHOUMA is used.

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 GHOU MANHASSAN of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0GHOUMA 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 JAKA0GHOUMA the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ghou Manhassan branch

Once you have an account at Jammu and Kashmir Bank Limited – GHOU MANHASSAN, the IFSC JAKA0GHOUMA 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 Ghou Manhassan 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 JAKA0GHOUMA

How to transfer money using IFSC JAKA0GHOUMA

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 JAKA0GHOUMA across all three.

How to use IFSC JAKA0GHOUMA 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 GHOU MANHASSAN 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 JAKA0GHOUMA.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as GHOU MANHASSAN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GHOU MANHASSAN

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's GHOU MANHASSAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0GHOUMA while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited GHOU MANHASSAN (IFSC JAKA0GHOUMA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0GHOUMA in your mobile or internet banking app, and the money is credited to the GHOU MANHASSAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ghou Manhassan

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 JAKA0GHOUMA:

• 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 GHOU MANHASSAN is still linked to IFSC JAKA0GHOUMA.

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.

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 GHOU MANHASSAN branch, the IFSC JAKA0GHOUMA 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 JAKA0GHOUMA

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GHOU MANHASSAN 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 JAKA0GHOUMA 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 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 JAKA0GHOUMA and the account number together uniquely identify the Ghou Manhassan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GHOU MANHASSAN:

• The IFSC is exactly JAKA0GHOUMA 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 GHOU MANHASSAN 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 Ghou Manhassan branch

The branch is located at GHOU MANHASSAN, NEAR FISHRIES DEPARTMENT, VPO-GHOU MANHASSAN, DISTRICT-JAMMU, JK, PIN-181206, 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 Ghou Manhassan branch” — the verified location pin for IFSC JAKA0GHOUMA should appear at the top of the results.
2. Confirm the branch is open by calling 191-2644229 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 JAKA0GHOUMA and your account number.

Verifying IFSC JAKA0GHOUMA 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 JAKA0GHOUMA by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 191-2644229.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ghou Manhassan 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 JAKA0GHOUMA continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0GHOUMA belongs to Jammu and Kashmir Bank Limited's GHOU MANHASSAN branch, located at GHOU MANHASSAN, NEAR FISHRIES DEPARTMENT, VPO-GHOU MANHASSAN, DISTRICT-JAMMU,… 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.