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

Use this page as a one-stop reference for everything related to Jammu and Kashmir Bank Limited's YARIPORA branch in KULGAM, JAMMU AND KASHMIR. The branch's IFSC code JAKA0YARPUR 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.

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 YARIPORA branch, the IFSC JAKA0YARPUR breaks down as follows: JAKA identifies the bank, 0 is the reserved character, and YARPUR identifies this particular branch.

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 Yaripora branch — IFSC JAKA0YARPUR — extends the bank's services to customers in and around Kulgam, Jammu and Kashmir.

About the Yaripora branch

The Yaripora branch of Jammu and Kashmir Bank Limited is situated at YARIPORA,KULGAM ANANTNAG J AND K. 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 JAKA0YARPUR is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Jammu and Kashmir Bank Limited's YARIPORA branch came to be assigned the code JAKA0YARPUR.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC JAKA0YARPUR, money simply cannot be routed to the YARIPORA branch electronically.

How to transfer money using IFSC JAKA0YARPUR

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 JAKA0YARPUR across all three.

NEFT to Jammu and Kashmir Bank Limited, YARIPORA using IFSC JAKA0YARPUR

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 JAKA0YARPUR, and confirm that the system picks up Jammu and Kashmir Bank Limited – YARIPORA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to YARIPORA

If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's YARIPORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0YARPUR while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jammu and Kashmir Bank Limited – YARIPORA, use IMPS. With IFSC JAKA0YARPUR 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 JAKA0YARPUR for Jammu and Kashmir Bank Limited – YARIPORA, 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 Yaripora 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.

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 YARIPORA branch, the IFSC JAKA0YARPUR 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 Yaripora branch

Once you have an account at Jammu and Kashmir Bank Limited – YARIPORA, the IFSC JAKA0YARPUR 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 Yaripora 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 JAKA0YARPUR

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 JAKA0YARPUR and the account number together uniquely identify the Yaripora branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Yaripora 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 JAKA0YARPUR 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 – YARIPORA:

• The IFSC is exactly JAKA0YARPUR 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 YARIPORA 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 Yaripora branch sits at YARIPORA,KULGAM ANANTNAG J AND K. If you are travelling from outside Kulgam, search for the branch on a maps application using the bank name and locality, or call 193-9697883131 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 JAKA0YARPUR and your account number.

Verifying IFSC JAKA0YARPUR 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 JAKA0YARPUR by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 193-9697883131.
• 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 Yaripora branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0YARPUR, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JAKA0YARPUR belongs to Jammu and Kashmir Bank Limited's YARIPORA branch, located at YARIPORA,KULGAM ANANTNAG J AND K 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.