If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, CHAWALGAM branch in KULGAM, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0CHAWAL. 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 CHAWALGAM branch, and detailed step-by-step guides for using the IFSC JAKA0CHAWAL 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 CHAWALGAM branch, the IFSC JAKA0CHAWAL breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and CHAWAL identifies this particular branch.
Branch details at a glance
| Bank Name | Jammu and Kashmir Bank Limited |
|---|---|
| Branch | Chawalgam |
| IFSC Code | JAKA0CHAWAL |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHAWALGAM,DISTRICT KULGAM,J AND K PIN CODE 192231 |
| City | Kulgam |
| District | Kulgam |
| State | Jammu and Kashmir |
| STD Code | 193 |
| Phone | 1095315 |
Bank profile
Jammu and Kashmir Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chawalgam branch — IFSC JAKA0CHAWAL — extends the bank's services to customers in and around Kulgam, Jammu and Kashmir.
About this branch
The branch is located at CHAWALGAM,DISTRICT KULGAM,J AND K PIN CODE 192231. It serves the Kulgam 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 JAKA0CHAWAL 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 CHAWALGAM of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0CHAWAL 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 JAKA0CHAWAL 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 JAKA0CHAWAL
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 JAKA0CHAWAL across all three.
How to use IFSC JAKA0CHAWAL 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 CHAWALGAM 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC JAKA0CHAWAL.
- Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as CHAWALGAM.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to CHAWALGAM
If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's CHAWALGAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0CHAWAL while initiating the transfer and the credit will appear within minutes.
IMPS to Jammu and Kashmir Bank Limited CHAWALGAM (IFSC JAKA0CHAWAL)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0CHAWAL in your mobile or internet banking app, and the money is credited to the CHAWALGAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Chawalgam
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 JAKA0CHAWAL:
- 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 CHAWALGAM is still linked to IFSC JAKA0CHAWAL.
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 JAKA0CHAWAL
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 – CHAWALGAM is still mapped to IFSC JAKA0CHAWAL. 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 JAKA0CHAWAL and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chawalgam branch is mapped to IFSC JAKA0CHAWAL 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 JAKA0CHAWAL.
Products and services
Customers walking into the Chawalgam 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 JAKA0CHAWAL
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 JAKA0CHAWAL and the account number together uniquely identify the Chawalgam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC JAKA0CHAWAL
Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHAWALGAM 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 JAKA0CHAWAL 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 JAKA0CHAWAL
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 – CHAWALGAM, 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:
JAKA0CHAWAL. - 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.
How to reach the Chawalgam branch
The branch is located at CHAWALGAM,DISTRICT KULGAM,J AND K PIN CODE 192231, which puts it inside Kulgam, the broader Kulgam district, and the state of Jammu and Kashmir. To plan your visit:
- Open Google Maps on your phone and search for “Jammu and Kashmir Bank Limited Chawalgam branch” — the verified location pin for IFSC JAKA0CHAWAL should appear at the top of the results.
- Confirm the branch is open by calling 193-1095315 before stepping out, especially around public holidays.
- 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 JAKA0CHAWAL and your account number.
Verifying IFSC JAKA0CHAWAL 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 JAKA0CHAWAL by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 193-1095315.
- Visiting the bank's official branch locator page.
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 Chawalgam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0CHAWAL, however, work 24x7.
Branch address & contact
Jammu and Kashmir Bank LimitedChawalgam Branch
CHAWALGAM,DISTRICT KULGAM,J AND K PIN CODE 192231
Kulgam, Jammu and Kashmir
Phone: 193-1095315
IFSC: JAKA0CHAWAL
Frequently asked questions
Where is Jammu and Kashmir Bank Limited Chawalgam branch located?
Jammu and Kashmir Bank Limited's Chawalgam branch is located at CHAWALGAM,DISTRICT KULGAM,J AND K PIN CODE 192231, Kulgam, Jammu and Kashmir.
Can I use IFSC JAKA0CHAWAL for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC JAKA0CHAWAL to send funds instantly.
Does Jammu and Kashmir Bank Limited Chawalgam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 193-1095315 to confirm.
Is IFSC JAKA0CHAWAL the same for all accounts at Chawalgam branch?
Yes. The IFSC JAKA0CHAWAL is shared by every account held at Jammu and Kashmir Bank Limited's Chawalgam branch. Only the account number changes from customer to customer.
Is IFSC JAKA0CHAWAL valid for NEFT and RTGS?
Yes. IFSC JAKA0CHAWAL is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Jammu and Kashmir Bank Limited Chawalgam branch?
The IFSC code of Jammu and Kashmir Bank Limited, Chawalgam branch is JAKA0CHAWAL. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Jammu and Kashmir Bank Limited Chawalgam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JAKA0CHAWAL, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using JAKA0CHAWAL be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jammu and Kashmir Bank Limited – Chawalgam reflect within 30 minutes.
Final notes
To recap: JAKA0CHAWAL is the IFSC code of Jammu and Kashmir Bank Limited, CHAWALGAM branch, in KULGAM, JAMMU AND KASHMIR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
