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

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's KULEED branch in KISHTWAR, JAMMU AND KASHMIR. The branch's IFSC code JAKA0KULEED is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, JAKA0KULEED is the IFSC of Jammu and Kashmir Bank Limited's KULEED branch. The format is fixed: JAKA = bank code, 0 = reserved, KULEED = branch identifier.

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 Kuleed branch — IFSC JAKA0KULEED — extends the bank's services to customers in and around Kishtwar, Jammu and Kashmir.

About this branch

The branch is located at KULEED. 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 JAKA0KULEED 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 KULEED of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0KULEED 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 JAKA0KULEED 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 JAKA0KULEED

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 JAKA0KULEED across all three.

How to use IFSC JAKA0KULEED for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Jammu and Kashmir Bank Limited's KULEED branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC JAKA0KULEED.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as KULEED.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC JAKA0KULEED

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 – KULEED, ensure your bank's portal accepts IFSC JAKA0KULEED 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 – KULEED, use IMPS. With IFSC JAKA0KULEED 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 Kuleed

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 JAKA0KULEED:

• 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 KULEED is still linked to IFSC JAKA0KULEED.

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.

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 KULEED branch, the IFSC JAKA0KULEED 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 Kuleed branch

Once you have an account at Jammu and Kashmir Bank Limited – KULEED, the IFSC JAKA0KULEED 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 Kuleed branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 199-5259030.

• 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 JAKA0KULEED

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 JAKA0KULEED and the account number together uniquely identify the Kuleed branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0KULEED

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KULEED 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 JAKA0KULEED 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.

Common mistakes to avoid when using IFSC JAKA0KULEED

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 – KULEED, 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: JAKA0KULEED.
• 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.

Reaching the branch

The Kuleed branch sits at KULEED. If you are travelling from outside Kishtwar, search for the branch on a maps application using the bank name and locality, or call 199-5259030 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 JAKA0KULEED and your account number.

Verifying IFSC JAKA0KULEED 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 JAKA0KULEED by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 199-5259030.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kuleed 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 JAKA0KULEED continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0KULEED belongs to Jammu and Kashmir Bank Limited's KULEED branch, located at KULEED 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.