IFSC Code of Jammu and Kashmir Bank Limited, Pouni Chak Jammu Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, POUNI CHAK JAMMU branch, located in JAMMU, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0POCHAK. 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 JAKA0POCHAK for Jammu and Kashmir Bank Limited – POUNI CHAK JAMMU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, JAKA0POCHAK is the IFSC of Jammu and Kashmir Bank Limited's POUNI CHAK JAMMU branch. The format is fixed: JAKA = bank code, 0 = reserved, POCHAK = branch identifier.

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Pouni Chak 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, JAKA0POCHAK.

Branch details at a glance

About this branch

The branch is located at VILLAGE POUNI CHAK,P.O AKALPUR,JAMMU,JK,PIN CODE-180002. 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 JAKA0POCHAK is used to identify this branch on the RBI payments network.

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 POUNI CHAK JAMMU branch came to be assigned the code JAKA0POCHAK.

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 JAKA0POCHAK, money simply cannot be routed to the POUNI CHAK JAMMU branch electronically.

Account types you can open at the Pouni Chak Jammu branch

Once you have an account at Jammu and Kashmir Bank Limited – POUNI CHAK JAMMU, the IFSC JAKA0POCHAK 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.

Banking services available

The Pouni Chak Jammu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 191-8612086.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC JAKA0POCHAK

How to transfer money using IFSC JAKA0POCHAK

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 JAKA0POCHAK across all three.

How to use IFSC JAKA0POCHAK 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 POUNI CHAK 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 JAKA0POCHAK.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as POUNI CHAK JAMMU.
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 POUNI CHAK JAMMU

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's POUNI CHAK JAMMU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0POCHAK while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – POUNI CHAK JAMMU, use IMPS. With IFSC JAKA0POCHAK 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 Pouni Chak 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 JAKA0POCHAK:

• 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 POUNI CHAK JAMMU is still linked to IFSC JAKA0POCHAK.

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 JAKA0POCHAK

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 – POUNI CHAK JAMMU is still mapped to IFSC JAKA0POCHAK. 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 JAKA0POCHAK and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Pouni Chak Jammu 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 JAKA0POCHAK 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.

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 JAKA0POCHAK and the account number together uniquely identify the Pouni Chak Jammu 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 – POUNI CHAK JAMMU:

• The IFSC is exactly JAKA0POCHAK 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 POUNI CHAK 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.

How to reach the Pouni Chak Jammu branch

The branch is located at VILLAGE POUNI CHAK,P.O AKALPUR,JAMMU,JK,PIN CODE-180002, 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 Pouni Chak Jammu branch” — the verified location pin for IFSC JAKA0POCHAK should appear at the top of the results.
2. Confirm the branch is open by calling 191-8612086 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 JAKA0POCHAK and your account number.

Verifying IFSC JAKA0POCHAK 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 JAKA0POCHAK by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 191-8612086.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Pouni Chak 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 JAKA0POCHAK continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0POCHAK belongs to Jammu and Kashmir Bank Limited's POUNI CHAK JAMMU branch, located at VILLAGE POUNI CHAK,P.O AKALPUR,JAMMU,JK,PIN CODE-180002 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.