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

Below are the complete branch details for Jammu and Kashmir Bank Limited, DRABSHALLA branch, located in KISHTWAR, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0DRABLA. 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 JAKA0DRABLA for Jammu and Kashmir Bank Limited – DRABSHALLA — 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 – DRABSHALLA is JAKA0DRABLA. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters DRABLA map to this branch in KISHTWAR, JAMMU AND KASHMIR.

Branch details at a glance

Bank profile

Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Drabshalla branch — IFSC JAKA0DRABLA — extends the bank's services to customers in and around Kishtwar, Jammu and Kashmir.

Drabshalla branch overview

Located at DRABSHALLA,DODA,J AND K, the Drabshalla branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0DRABLA 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 DRABSHALLA branch came to be assigned the code JAKA0DRABLA.

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 JAKA0DRABLA, money simply cannot be routed to the DRABSHALLA branch electronically.

How to transfer money using IFSC JAKA0DRABLA

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 JAKA0DRABLA across all three.

NEFT to Jammu and Kashmir Bank Limited, DRABSHALLA using IFSC JAKA0DRABLA

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 JAKA0DRABLA, and confirm that the system picks up Jammu and Kashmir Bank Limited – DRABSHALLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DRABSHALLA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's DRABSHALLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0DRABLA while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited DRABSHALLA (IFSC JAKA0DRABLA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0DRABLA in your mobile or internet banking app, and the money is credited to the DRABSHALLA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Drabshalla

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 JAKA0DRABLA:

• 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 DRABSHALLA is still linked to IFSC JAKA0DRABLA.

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 JAKA0DRABLA

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 – DRABSHALLA is still mapped to IFSC JAKA0DRABLA. 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 JAKA0DRABLA and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Drabshalla branch is mapped to IFSC JAKA0DRABLA 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 JAKA0DRABLA.

Products and services

Customers walking into the Drabshalla 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 JAKA0DRABLA

MICR & cheque-truncation details

Cheques drawn on the Drabshalla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0DRABLA for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC JAKA0DRABLA

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the DRABSHALLA 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 JAKA0DRABLA 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.

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 – DRABSHALLA:

• The IFSC is exactly JAKA0DRABLA 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 DRABSHALLA 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 Drabshalla branch sits at DRABSHALLA,DODA,J AND K. If you are travelling from outside Kishtwar, search for the branch on a maps application using the bank name and locality, or call 199-7298004764 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 JAKA0DRABLA and your account number.

Verifying IFSC JAKA0DRABLA 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 JAKA0DRABLA by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 199-7298004764.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Drabshalla 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 JAKA0DRABLA continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0DRABLA belongs to Jammu and Kashmir Bank Limited's DRABSHALLA branch, located at DRABSHALLA,DODA,J AND K in KISHTWAR, 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.