IFSC Code of Jammu and Kashmir Bank Limited, Udheywala Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, UDHEYWALA branch in JAMMU. The 11-digit IFSC JAKA0UDHWAL 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 UDHEYWALA 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 – UDHEYWALA is JAKA0UDHWAL. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UDHWAL map to this branch in JAMMU, JAMMU AND KASHMIR.

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Udheywala branch — IFSC JAKA0UDHWAL — extends the bank's services to customers in and around Jammu, Jammu and Kashmir.

Branch details at a glance

Udheywala branch overview

Located at UDHEYWALA DISTRICT JAMMU PIN CODE 180018, the Udheywala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0UDHWAL is required for all interbank electronic transfers routed through this branch.

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 UDHEYWALA branch came to be assigned the code JAKA0UDHWAL.

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 JAKA0UDHWAL, money simply cannot be routed to the UDHEYWALA branch electronically.

Account types you can open at the Udheywala branch

Once you have an account at Jammu and Kashmir Bank Limited – UDHEYWALA, the IFSC JAKA0UDHWAL 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 Udheywala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 191-2555766.

• 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 JAKA0UDHWAL

How to transfer money using IFSC JAKA0UDHWAL

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 JAKA0UDHWAL across all three.

NEFT to Jammu and Kashmir Bank Limited, UDHEYWALA using IFSC JAKA0UDHWAL

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 JAKA0UDHWAL, and confirm that the system picks up Jammu and Kashmir Bank Limited – UDHEYWALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UDHEYWALA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's UDHEYWALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0UDHWAL 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 – UDHEYWALA, use IMPS. With IFSC JAKA0UDHWAL 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 Udheywala

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 JAKA0UDHWAL:

• 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 UDHEYWALA is still linked to IFSC JAKA0UDHWAL.

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 JAKA0UDHWAL

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 – UDHEYWALA is still mapped to IFSC JAKA0UDHWAL. 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 JAKA0UDHWAL and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0UDHWAL

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UDHEYWALA 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 JAKA0UDHWAL 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 JAKA0UDHWAL and the account number together uniquely identify the Udheywala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC JAKA0UDHWAL

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 – UDHEYWALA, 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: JAKA0UDHWAL.
• 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.

How to reach the Udheywala branch

The branch is located at UDHEYWALA DISTRICT JAMMU PIN CODE 180018, 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 Udheywala branch” — the verified location pin for IFSC JAKA0UDHWAL should appear at the top of the results.
2. Confirm the branch is open by calling 191-2555766 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 JAKA0UDHWAL and your account number.

Verifying IFSC JAKA0UDHWAL 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 JAKA0UDHWAL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 191-2555766.
• Visiting the bank's official branch locator page.

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 Udheywala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0UDHWAL, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0UDHWAL belongs to Jammu and Kashmir Bank Limited's UDHEYWALA branch, located at UDHEYWALA DISTRICT JAMMU PIN CODE 180018 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.