IFSC Code of Jammu and Kashmir Bank Limited, Fruit Mandi Kulgam Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jammu and Kashmir Bank Limited, FRUIT MANDI KULGAM branch in KULGAM. The 11-digit IFSC JAKA0FMKLGM uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jammu and Kashmir Bank Limited at the FRUIT MANDI KULGAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – FRUIT MANDI KULGAM is JAKA0FMKLGM. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters FMKLGM map to this branch in KULGAM, JAMMU AND KASHMIR.

Branch details at a glance

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 Fruit Mandi Kulgam branch in Kulgam, Jammu and Kashmir is part of this network and uses the IFSC code JAKA0FMKLGM for all electronic settlement.

Fruit Mandi Kulgam branch overview

Located at FRUIT MARKET KULGAM,DISTRICT KULGAM,J AND K PIN CODE 192231, the Fruit Mandi Kulgam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JAKA0FMKLGM is required for all interbank electronic transfers routed through this branch.

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 FRUIT MANDI KULGAM of Jammu and Kashmir Bank Limited — its own 11-character IFSC. The code JAKA0FMKLGM 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 JAKA0FMKLGM 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 JAKA0FMKLGM

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 JAKA0FMKLGM across all three.

How to use IFSC JAKA0FMKLGM 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 FRUIT MANDI KULGAM 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 JAKA0FMKLGM.
4. Confirm the bank name auto-populates as Jammu and Kashmir Bank Limited and the branch as FRUIT MANDI KULGAM.
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 JAKA0FMKLGM

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 – FRUIT MANDI KULGAM, ensure your bank's portal accepts IFSC JAKA0FMKLGM while registering the beneficiary. RTGS is also available 24x7.

IMPS to Jammu and Kashmir Bank Limited FRUIT MANDI KULGAM (IFSC JAKA0FMKLGM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0FMKLGM in your mobile or internet banking app, and the money is credited to the FRUIT MANDI KULGAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Fruit Mandi Kulgam

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 JAKA0FMKLGM:

• 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 FRUIT MANDI KULGAM is still linked to IFSC JAKA0FMKLGM.

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 JAKA0FMKLGM

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 – FRUIT MANDI KULGAM is still mapped to IFSC JAKA0FMKLGM. 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 JAKA0FMKLGM and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Fruit Mandi Kulgam branch is mapped to IFSC JAKA0FMKLGM 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 JAKA0FMKLGM.

Products and services

Customers walking into the Fruit Mandi Kulgam 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 JAKA0FMKLGM

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 JAKA0FMKLGM and the account number together uniquely identify the Fruit Mandi Kulgam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JAKA0FMKLGM

Jammu and Kashmir Bank Limited customers can register for net banking and the bank's official mobile app once their account at the FRUIT MANDI KULGAM 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 JAKA0FMKLGM 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 – FRUIT MANDI KULGAM:

• The IFSC is exactly JAKA0FMKLGM 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 FRUIT MANDI KULGAM 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 Fruit Mandi Kulgam branch sits at FRUIT MARKET KULGAM,DISTRICT KULGAM,J AND K PIN CODE 192231. If you are travelling from outside Kulgam, search for the branch on a maps application using the bank name and locality, or call 193-1260068 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 JAKA0FMKLGM and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC JAKA0FMKLGM for Jammu and Kashmir Bank Limited – FRUIT MANDI KULGAM, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Fruit Mandi Kulgam 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 JAKA0FMKLGM continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0FMKLGM belongs to Jammu and Kashmir Bank Limited's FRUIT MANDI KULGAM branch, located at FRUIT MARKET KULGAM,DISTRICT KULGAM,J AND K PIN CODE 192231 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.