If you are searching for the IFSC code of Jammu and Kashmir Bank Limited, YOUNUS WAHIPORA branch in KUPWARA, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is JAKA0YOUNUS. 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 YOUNUS WAHIPORA branch, and detailed step-by-step guides for using the IFSC JAKA0YOUNUS 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 – YOUNUS WAHIPORA is JAKA0YOUNUS. The first four letters JAKA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters YOUNUS map to this branch in KUPWARA, JAMMU AND KASHMIR.
Branch details at a glance
| Bank Name | Jammu and Kashmir Bank Limited |
|---|---|
| Branch | Younus Wahipora |
| IFSC Code | JAKA0YOUNUS |
| MICR Code | Refer to cheque leaf |
| Branch Address | TEHSIL-HANDWARA |
| City | Kupwara |
| District | Kupwara |
| State | Jammu and Kashmir |
| STD Code | 91 |
| Phone | 9596396682 |
About Jammu and Kashmir Bank Limited
Jammu and Kashmir Bank Limited operates a wide network of branches across India, including the Younus Wahipora branch in Kupwara. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, JAKA0YOUNUS.
About the Younus Wahipora branch
The Younus Wahipora branch of Jammu and Kashmir Bank Limited is situated at TEHSIL-HANDWARA. 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 JAKA0YOUNUS 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 YOUNUS WAHIPORA branch came to be assigned the code JAKA0YOUNUS.
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 JAKA0YOUNUS, money simply cannot be routed to the YOUNUS WAHIPORA branch electronically.
How to transfer money using IFSC JAKA0YOUNUS
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 JAKA0YOUNUS across all three.
NEFT to Jammu and Kashmir Bank Limited, YOUNUS WAHIPORA using IFSC JAKA0YOUNUS
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 JAKA0YOUNUS, and confirm that the system picks up Jammu and Kashmir Bank Limited – YOUNUS WAHIPORA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to YOUNUS WAHIPORA
If you need to transfer ₹2 lakh or more in one go to an account at Jammu and Kashmir Bank Limited's YOUNUS WAHIPORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JAKA0YOUNUS while initiating the transfer and the credit will appear within minutes.
IMPS to Jammu and Kashmir Bank Limited YOUNUS WAHIPORA (IFSC JAKA0YOUNUS)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC JAKA0YOUNUS in your mobile or internet banking app, and the money is credited to the YOUNUS WAHIPORA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC JAKA0YOUNUS for Jammu and Kashmir Bank Limited – YOUNUS WAHIPORA, 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 – JAKA0YOUNUS | Yes – JAKA0YOUNUS | Yes – JAKA0YOUNUS |
For most retail customers crediting the Younus Wahipora 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 YOUNUS WAHIPORA branch, the IFSC JAKA0YOUNUS 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.
Products and account variants supported
Every account opened at the Younus Wahipora branch is mapped to IFSC JAKA0YOUNUS 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 JAKA0YOUNUS.
Banking services available
The Younus Wahipora branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9596396682.
- 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 JAKA0YOUNUS
MICR & cheque-truncation details
Cheques drawn on the Younus Wahipora branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC JAKA0YOUNUS for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Younus Wahipora 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 JAKA0YOUNUS 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 – YOUNUS WAHIPORA:
- The IFSC is exactly JAKA0YOUNUS 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 YOUNUS WAHIPORA 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 Younus Wahipora branch sits at TEHSIL-HANDWARA. If you are travelling from outside Kupwara, search for the branch on a maps application using the bank name and locality, or call 91-9596396682 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 JAKA0YOUNUS and your account number.
Verifying IFSC JAKA0YOUNUS 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 JAKA0YOUNUS by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9596396682.
- 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 Younus Wahipora branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JAKA0YOUNUS, however, work 24x7.
Branch address & contact
Jammu and Kashmir Bank LimitedYounus Wahipora Branch
TEHSIL-HANDWARA
Kupwara, Jammu and Kashmir
Phone: 91-9596396682
IFSC: JAKA0YOUNUS
Frequently asked questions
How do I add Jammu and Kashmir Bank Limited Younus Wahipora as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC JAKA0YOUNUS, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Jammu and Kashmir Bank Limited Younus Wahipora branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9596396682 to confirm.
Is IFSC JAKA0YOUNUS valid for NEFT and RTGS?
Yes. IFSC JAKA0YOUNUS is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC JAKA0YOUNUS the same for all accounts at Younus Wahipora branch?
Yes. The IFSC JAKA0YOUNUS is shared by every account held at Jammu and Kashmir Bank Limited's Younus Wahipora branch. Only the account number changes from customer to customer.
What is the phone number of Jammu and Kashmir Bank Limited Younus Wahipora branch?
You can reach the branch at 91-9596396682 during regular banking hours.
Where is Jammu and Kashmir Bank Limited Younus Wahipora branch located?
Jammu and Kashmir Bank Limited's Younus Wahipora branch is located at TEHSIL-HANDWARA, Kupwara, Jammu and Kashmir.
How quickly will an NEFT transfer using JAKA0YOUNUS be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Jammu and Kashmir Bank Limited – Younus Wahipora reflect within 30 minutes.
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 Younus Wahipora branch but serve different purposes.
Summary
The IFSC code JAKA0YOUNUS belongs to Jammu and Kashmir Bank Limited's YOUNUS WAHIPORA branch, located at TEHSIL-HANDWARA in KUPWARA, 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.
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