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

Below are the complete branch details for Jammu and Kashmir Bank Limited, HIDYAL branch, located in KISHTWAR, JAMMU AND KASHMIR. The IFSC assigned by the Reserve Bank of India to this branch is JAKA0HIDYAL. 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 JAKA0HIDYAL for Jammu and Kashmir Bank Limited – HIDYAL — 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 – HIDYAL is JAKA0HIDYAL. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters HIDYAL 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 Hidyal branch — IFSC JAKA0HIDYAL — extends the bank's services to customers in and around Kishtwar, Jammu and Kashmir.

About this branch

The branch is located at NEAR HIDYAL CHOWK,DISTRICT KISHTWAR,PIN CODE 182204. It serves the Kishtwar 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 JAKA0HIDYAL is used to identify this branch on the RBI payments network.

Why every Jammu and Kashmir Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including HIDYAL of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0HIDYAL is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC JAKA0HIDYAL the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC JAKA0HIDYAL

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 JAKA0HIDYAL across all three.

NEFT to Jammu and Kashmir Bank Limited, HIDYAL using IFSC JAKA0HIDYAL

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 JAKA0HIDYAL, and confirm that the system picks up Jammu and Kashmir Bank Limited – HIDYAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HIDYAL

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's HIDYAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0HIDYAL while initiating the transfer and the credit will appear within minutes.

IMPS to Jammu and Kashmir Bank Limited HIDYAL (IFSC JAKA0HIDYAL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0HIDYAL in your mobile or internet banking app, and the money is credited to the HIDYAL branch account within seconds.

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

All three modes accept the IFSC JAKA0HIDYAL for Jammu and Kashmir Bank Limited – HIDYAL, 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 Hidyal 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 JAKA0HIDYAL

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 – HIDYAL is still mapped to IFSC JAKA0HIDYAL. 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 JAKA0HIDYAL and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Hidyal branch is mapped to IFSC JAKA0HIDYAL 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 JAKA0HIDYAL.

Banking services available

The Hidyal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 199-9419914183.

• 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 JAKA0HIDYAL

MICR & cheque-truncation details

Cheques drawn on the Hidyal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0HIDYAL 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 Hidyal 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 JAKA0HIDYAL 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 – HIDYAL:

• The IFSC is exactly JAKA0HIDYAL 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 HIDYAL 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 Hidyal branch

The branch is located at NEAR HIDYAL CHOWK,DISTRICT KISHTWAR,PIN CODE 182204, which puts it inside Kishtwar, the broader Kishtwar 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 Hidyal branch” — the verified location pin for IFSC JAKA0HIDYAL should appear at the top of the results.
2. Confirm the branch is open by calling 199-9419914183 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 JAKA0HIDYAL and your account number.

Verifying IFSC JAKA0HIDYAL 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 JAKA0HIDYAL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 199-9419914183.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Hidyal 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 JAKA0HIDYAL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0HIDYAL belongs to Jammu and Kashmir Bank Limited's HIDYAL branch, located at NEAR HIDYAL CHOWK,DISTRICT KISHTWAR,PIN CODE 182204 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.