IFSC Code of Jammu and Kashmir Bank Limited, Upper Gummat Jammu Branch, Jammu and Kashmir

Below are the complete branch details for Jammu and Kashmir Bank Limited, UPPER GUMMAT JAMMU branch, located in JAMMU, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0GUMMAT. 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 JAKA0GUMMAT for Jammu and Kashmir Bank Limited – UPPER GUMMAT 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, JAKA0GUMMAT is the IFSC of Jammu and Kashmir Bank Limited's UPPER GUMMAT JAMMU branch. The format is fixed: JAKA = bank code, 0 = reserved, GUMMAT = branch identifier.

About the bank

Jammu and Kashmir Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Upper Gummat Jammu branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0GUMMAT for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at UPPER GUMMAT BAZAAR. 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 JAKA0GUMMAT 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 UPPER GUMMAT JAMMU branch came to be assigned the code JAKA0GUMMAT.

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 JAKA0GUMMAT, money simply cannot be routed to the UPPER GUMMAT JAMMU branch electronically.

Products and account variants supported

Every account opened at the Upper Gummat Jammu branch is mapped to IFSC JAKA0GUMMAT 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 JAKA0GUMMAT.

Products and services

Customers walking into the Upper Gummat 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 JAKA0GUMMAT

How to transfer money using IFSC JAKA0GUMMAT

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 JAKA0GUMMAT across all three.

NEFT to Jammu and Kashmir Bank Limited, UPPER GUMMAT JAMMU using IFSC JAKA0GUMMAT

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 JAKA0GUMMAT, and confirm that the system picks up Jammu and Kashmir Bank Limited – UPPER GUMMAT JAMMU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC JAKA0GUMMAT

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Jammu and Kashmir Bank Limited – UPPER GUMMAT JAMMU, ensure your bank's portal accepts IFSC JAKA0GUMMAT while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – UPPER GUMMAT JAMMU, use IMPS. With IFSC JAKA0GUMMAT and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC JAKA0GUMMAT for Jammu and Kashmir Bank Limited – UPPER GUMMAT JAMMU, 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 Upper Gummat Jammu 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.

UPI payments and IFSC JAKA0GUMMAT

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 – UPPER GUMMAT JAMMU is still mapped to IFSC JAKA0GUMMAT. 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 JAKA0GUMMAT and the beneficiary's account number to complete the transfer.

Online banking and IFSC JAKA0GUMMAT

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UPPER GUMMAT 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 JAKA0GUMMAT 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 Upper Gummat Jammu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0GUMMAT for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC JAKA0GUMMAT

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 – UPPER GUMMAT 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: JAKA0GUMMAT.
• 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 Upper Gummat Jammu branch

The branch is located at UPPER GUMMAT BAZAAR, 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 Upper Gummat Jammu branch” — the verified location pin for IFSC JAKA0GUMMAT should appear at the top of the results.
2. Confirm the branch is open by calling 191-2579643 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 JAKA0GUMMAT and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0GUMMAT for Jammu and Kashmir Bank Limited – UPPER GUMMAT JAMMU, 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 Upper Gummat Jammu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0GUMMAT, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0GUMMAT belongs to Jammu and Kashmir Bank Limited's UPPER GUMMAT JAMMU branch, located at UPPER GUMMAT BAZAAR 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.