IFSC Code of Jammu and Kashmir Bank Limited, Nsm Patta Bohri Jammu Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, NSM PATTA BOHRI JAMMU branch, located in JAMMU, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0ENSMCE. 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 JAKA0ENSMCE for Jammu and Kashmir Bank Limited – NSM PATTA BOHRI JAMMU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – NSM PATTA BOHRI JAMMU is JAKA0ENSMCE. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters ENSMCE 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 Nsm Patta Bohri Jammu 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, JAKA0ENSMCE.

About the Nsm Patta Bohri Jammu branch

The Nsm Patta Bohri Jammu branch of Jammu and Kashmir Bank Limited is situated at NSM COLLEGE OF EDUCATION,PATTA BOHRI. 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 JAKA0ENSMCE is used.

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 NSM PATTA BOHRI JAMMU of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0ENSMCE 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 JAKA0ENSMCE the same way you would treat your account number — verify it once and save it carefully for future use.

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 JAKA0ENSMCE and the account number together uniquely identify the Nsm Patta Bohri 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 JAKA0ENSMCE

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 JAKA0ENSMCE across all three.

NEFT to Jammu and Kashmir Bank Limited, NSM PATTA BOHRI JAMMU using IFSC JAKA0ENSMCE

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 JAKA0ENSMCE, and confirm that the system picks up Jammu and Kashmir Bank Limited – NSM PATTA BOHRI JAMMU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NSM PATTA BOHRI JAMMU

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's NSM PATTA BOHRI JAMMU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0ENSMCE while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited NSM PATTA BOHRI JAMMU (IFSC JAKA0ENSMCE)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0ENSMCE in your mobile or internet banking app, and the money is credited to the NSM PATTA BOHRI JAMMU branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nsm Patta Bohri 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 JAKA0ENSMCE:

• 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 NSM PATTA BOHRI JAMMU is still linked to IFSC JAKA0ENSMCE.

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 JAKA0ENSMCE

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 – NSM PATTA BOHRI JAMMU is still mapped to IFSC JAKA0ENSMCE. 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 JAKA0ENSMCE and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Nsm Patta Bohri Jammu branch is mapped to IFSC JAKA0ENSMCE 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 JAKA0ENSMCE.

Products and services

Customers walking into the Nsm Patta Bohri 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 JAKA0ENSMCE

Online banking and IFSC JAKA0ENSMCE

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NSM PATTA BOHRI 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 JAKA0ENSMCE 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.

How to reach the Nsm Patta Bohri Jammu branch

The branch is located at NSM COLLEGE OF EDUCATION,PATTA BOHRI, 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 Nsm Patta Bohri Jammu branch” — the verified location pin for IFSC JAKA0ENSMCE should appear at the top of the results.
2. Confirm the branch is open by calling 191-2503740 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 JAKA0ENSMCE and your account number.

Common mistakes to avoid when using IFSC JAKA0ENSMCE

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Jammu and Kashmir Bank Limited – NSM PATTA BOHRI JAMMU, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: JAKA0ENSMCE.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Nsm Patta Bohri 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 JAKA0ENSMCE continue to work without interruption.

Verifying IFSC JAKA0ENSMCE 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 JAKA0ENSMCE by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 191-2503740.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0ENSMCE belongs to Jammu and Kashmir Bank Limited's NSM PATTA BOHRI JAMMU branch, located at NSM COLLEGE OF EDUCATION,PATTA BOHRI 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.