IFSC Code of Jammu and Kashmir Bank Limited, Industrial Estate Ghatti Branch, Jammu and Kashmir

If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, INDUSTRIAL ESTATE GHATTI branch in KATHUA, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0IEGHAT. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the INDUSTRIAL ESTATE GHATTI branch, and detailed step-by-step guides for using the IFSC JAKA0IEGHAT across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Jammu and Kashmir Bank Limited's INDUSTRIAL ESTATE GHATTI branch, the IFSC JAKA0IEGHAT breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and IEGHAT identifies this particular branch.

Branch details at a glance

About Jammu and Kashmir Bank Limited

Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Industrial Estate Ghatti branch in Kathua. 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, JAKA0IEGHAT.

About this branch

The branch is located at INDUSTRAIL ESTATE GHATTI POST OFFICE BARNOTE,KATHUA,JK .NEAR BIOTECH PARK GHATTI. It serves the Kathua 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 JAKA0IEGHAT 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 INDUSTRIAL ESTATE GHATTI branch came to be assigned the code JAKA0IEGHAT.

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 JAKA0IEGHAT, money simply cannot be routed to the INDUSTRIAL ESTATE GHATTI branch electronically.

How to transfer money using IFSC JAKA0IEGHAT

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 JAKA0IEGHAT across all three.

NEFT to Jammu and Kashmir Bank Limited, INDUSTRIAL ESTATE GHATTI using IFSC JAKA0IEGHAT

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 JAKA0IEGHAT, and confirm that the system picks up Jammu and Kashmir Bank Limited – INDUSTRIAL ESTATE GHATTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to INDUSTRIAL ESTATE GHATTI

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's INDUSTRIAL ESTATE GHATTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0IEGHAT while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited INDUSTRIAL ESTATE GHATTI (IFSC JAKA0IEGHAT)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0IEGHAT in your mobile or internet banking app, and the money is credited to the INDUSTRIAL ESTATE GHATTI branch account within seconds.

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

All three modes accept the IFSC JAKA0IEGHAT for Jammu and Kashmir Bank Limited – INDUSTRIAL ESTATE GHATTI, 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 Industrial Estate Ghatti 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.

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 INDUSTRIAL ESTATE GHATTI branch, the IFSC JAKA0IEGHAT 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.

Account types you can open at the Industrial Estate Ghatti branch

Once you have an account at Jammu and Kashmir Bank Limited – INDUSTRIAL ESTATE GHATTI, the IFSC JAKA0IEGHAT 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 Industrial Estate Ghatti 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 JAKA0IEGHAT

MICR & cheque-truncation details

Cheques drawn on the Industrial Estate Ghatti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0IEGHAT for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Industrial Estate Ghatti 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 JAKA0IEGHAT 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.

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 – INDUSTRIAL ESTATE GHATTI:

• The IFSC is exactly JAKA0IEGHAT 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 INDUSTRIAL ESTATE GHATTI 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.

Reaching the branch

The Industrial Estate Ghatti branch sits at INDUSTRAIL ESTATE GHATTI POST OFFICE BARNOTE,KATHUA,JK .NEAR BIOTECH PARK GHATTI. If you are travelling from outside Kathua, search for the branch on a maps application using the bank name and locality, or call 7889640336 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC JAKA0IEGHAT and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0IEGHAT for Jammu and Kashmir Bank Limited – INDUSTRIAL ESTATE GHATTI, 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.

Working hours

Branch counters at Industrial Estate Ghatti 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 JAKA0IEGHAT continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0IEGHAT belongs to Jammu and Kashmir Bank Limited's INDUSTRIAL ESTATE GHATTI branch, located at INDUSTRAIL ESTATE GHATTI POST OFFICE BARNOTE,KATHUA,JK .NEAR BIOTECH PARK GHATTI in KATHUA, 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.