If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, BUGAM branch in KULGAM, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0BOOGAM. 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 BUGAM branch, and detailed step-by-step guides for using the IFSC JAKA0BOOGAM 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.
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 – BUGAM is JAKA0BOOGAM. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BOOGAM map to this branch in KULGAM, JAMMU AND KASHMIR.
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 Bugam branch in Kulgam, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0BOOGAM for all electronic settlement.
About the Bugam branch
The Bugam branch of Jammu and Kashmir Bank Limited is situated at BSINESS UNIT BUGAM,POST OFFICE BUGAM TEHSIL. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code JAKA0BOOGAM is used.
Branch details at a glance
| Bank Name | Jammu and Kashmir Bank Limited |
|---|---|
| Branch | Bugam |
| IFSC Code | JAKA0BOOGAM |
| MICR Code | Refer to cheque leaf |
| Branch Address | BSINESS UNIT BUGAM,POST OFFICE BUGAM TEHSIL |
| City | Kulgam |
| District | Kulgam |
| State | Jammu and Kashmir |
| STD Code | 193 |
| Phone | 1854253 |
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 BUGAM of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0BOOGAM 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 JAKA0BOOGAM the same way you would treat your account number — verify it once and save it carefully for future use.
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 JAKA0BOOGAM and the account number together uniquely identify the Bugam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC JAKA0BOOGAM
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 JAKA0BOOGAM across all three.
NEFT to Jammu and Kashmir Bank Limited, BUGAM using IFSC JAKA0BOOGAM
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 JAKA0BOOGAM, and confirm that the system picks up Jammu and Kashmir Bank Limited – BUGAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC JAKA0BOOGAM
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 – BUGAM, ensure your bank's portal accepts IFSC JAKA0BOOGAM 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 – BUGAM, use IMPS. With IFSC JAKA0BOOGAM 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 JAKA0BOOGAM for Jammu and Kashmir Bank Limited – BUGAM, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – JAKA0BOOGAM | Yes – JAKA0BOOGAM | Yes – JAKA0BOOGAM |
For most retail customers crediting the Bugam 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 JAKA0BOOGAM
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 – BUGAM is still mapped to IFSC JAKA0BOOGAM. 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 JAKA0BOOGAM and the beneficiary's account number to complete the transfer.
Account types you can open at the Bugam branch
Once you have an account at Jammu and Kashmir Bank Limited – BUGAM, the IFSC JAKA0BOOGAM 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 Bugam 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 JAKA0BOOGAM
Digital banking channels
Most day-to-day work that customers used to do at the Bugam 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 JAKA0BOOGAM 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.
Reaching the branch
The Bugam branch sits at BSINESS UNIT BUGAM,POST OFFICE BUGAM TEHSIL. If you are travelling from outside Kulgam, search for the branch on a maps application using the bank name and locality, or call 193-1854253 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 JAKA0BOOGAM and your account number.
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 – BUGAM:
- The IFSC is exactly JAKA0BOOGAM 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 BUGAM 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.
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 Bugam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0BOOGAM, however, work 24x7.
Verifying IFSC JAKA0BOOGAM 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 JAKA0BOOGAM by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 193-1854253.
- Visiting the bank's official branch locator page.
Branch address & contact
Jammu and Kashmir Bank LimitedBugam Branch
BSINESS UNIT BUGAM,POST OFFICE BUGAM TEHSIL
Kulgam, Jammu and Kashmir
Phone: 193-1854253
IFSC: JAKA0BOOGAM
Frequently asked questions
Does Jammu and Kashmir Bank Limited Bugam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 193-1854253 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bugam branch but serve different purposes.
Is IFSC JAKA0BOOGAM valid for NEFT and RTGS?
Yes. IFSC JAKA0BOOGAM is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using JAKA0BOOGAM be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jammu and Kashmir Bank Limited – Bugam reflect within 30 minutes.
What is the phone number of Jammu and Kashmir Bank Limited Bugam branch?
You can reach the branch at 193-1854253 during regular banking hours.
Can I use IFSC JAKA0BOOGAM for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JAKA0BOOGAM to send funds instantly.
Where is Jammu and Kashmir Bank Limited Bugam branch located?
Jammu and Kashmir Bank Limited's Bugam branch is located at BSINESS UNIT BUGAM,POST OFFICE BUGAM TEHSIL, Kulgam, Jammu and Kashmir.
Summary
The IFSC code JAKA0BOOGAM belongs to Jammu and Kashmir Bank Limited's BUGAM branch, located at BSINESS UNIT BUGAM,POST OFFICE BUGAM TEHSIL in KULGAM, 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.
